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HDFC ERGO Car Insurance

HDFC ERGO General Insurance Company Ltd. (IRDA Reg. No 125) is a collaboration between HDFC Ltd., India’s renowned Housing Finance Company and ERGO International AG, the prime insurance entity of Munich Re Group. The Company offers the entire range of general insurance products right from Motor, Health, Travel, Home and Personal Accident in the retail sphere and customized products like Property, Marine and Liability Insurance in the corporate arena.

A car is a prized possession; often it is a significant milestone in many people’s lives. HDFC ERGO Car Insurance ensures that you and your vehicle stay safe and secure while on the roads. It guarantees a comprehensive protection for your car in every way. From personal loss to theft to the damage to any third party, you are covered for all crises with extensive coverage.

What’s on offer?

HDFC ERGO Car Insurance provides comprehensive coverage in the following ways -

  • Third Party Liability Cover Against

    • Legal liability due to permanent injury and/or death of a third party
    • Legal liability due to damage to the property belonging to any third party
  • Own Damage Cover Protects Against the Loss Due to

    • Accident by external means
    • Burglary, House Breaking Theft
    • Fire, Explosion, Self-Ignition, Lightning
    • Terrorism, Riots, Strikes, Malicious Acts
    • Transit by road, rail, inland waterways, air or lift
    • Earthquake, Flood, Storm, Landslide or Rockslide
  • Personal Accident Cover for Owner-Driver

This mandatory cover provides financial protection for an amount of Rs.2 lakhs in case of Permanent Total Disability (PTD) and accidental death. It also includes the named and unnamed passengers up to the seating capacity of the vehicle and paid driver.

Optional Coverage

The best part about insuring your car with HDFC ERGO car insurance is the optional coverage it offers for complete protection. Below are few of the features available.

  • Named Person Personal Accident Cover: The person who is named in the policy since its inception will be shielded with personal accident cover apart from the cleaner or paid driver who have a mention in the plan. Unnamed Person Accident Cover – This option will provide a personal accident cover to any individual apart from the cleaner or paid driver.

  • Electrical Fittings Cover: This option is selected at the time of purchasing the comprehensive policy depending on your particular need. It provides exclusive coverage for your car accessories such as fog lights, stereos, etc.

  • CNG Kit Cover: You can choose this cover at the time of purchasing the policy. It is, however, compulsory to declare that your vehicle has a CNG kit installed.

  • Voluntary Deductible: With this option a fixed percentage of claimable expenses will be paid by the insured individual. Non-Electrical Accessories Cover – It will provide cover for accessories like alloy wheels and seat covers and can opt while buying the policy.

  • Personal Accident Cover For Paid Driver, Cleaner & Conductor: This option will provide personal accident cover to a paid driver, cleaner, and conductor.

Significant Add-on Covers:

HDFC ERGO Car Insurance offers Five variants of car insurance plan based on the benefits and add-ons on offer. They are – Silver, Gold, Platinum, Titanium & Diamond. To supplement the coverage provided by the basic car insurance policy, HDFC ERGO offers add-on features at an extra premium.

Below are listed some, and each is offered as a part of different plan variant. To know what add-on you can opt for while choosing the appropriate plan variant, please refer the policy wordings.

  • Zero depreciation or Bumper to Bumper Cover: This benefit shields the vehicle from the depreciated or reduced value of car parts (this includes the glass, fiber, plastic, etc.). The depreciated value is anywhere between 5 - 50% and is liable right after the car drives out of the showroom. Thus, with this add-on cover, the out of pocket expenses of the insured are saved to a large extent at the time of claim.

  • Emergency Assistance Coverage: This is an add-on benefit offered under Private Car Insurance. This benefit entitles you for on-site minor car repairs, battery jump start, fuel delivery, assistance with lost or stolen key, and so on within 50 km from the breakdown point up to nearest vendor (a place where a possible assistance is available) or city.

  • Return to Invoice: With this benefit, the insured gets an invoice price along with road tax and registration cost in the case the car is stolen or suffers a total loss due to a major accident.

  • No-Claim Bonus Protection: This add-on cover offers coverage for the no-claim bonus which is the premium discount that you earn after every claim free year. Usually, the no-claim discount is lost after any claim however, with this add-on it is protected even after raising a claim in a year.

Discounts Offered

HDFC ERGO car insurance offers the below discounts that can significantly trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on your claim-free driving history
  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium
  • Membership of AAI: Membership of any Automobile Association of India wins brownie points regarding the rebate on the premium.
  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.
  • Age-specific Discount: If you are between 35 – 45 years, you are entitled to a discount of 5% on your own damage premium. Similarly, someone between the age 46-60 years can ask for a 10% rebate.
  • Occupation Discount: If you are one of those with certain occupations such as a fully qualified and practicing Chartered Accountant or serving in defense and paramilitary services or employed by Central / State Government departments, you are allowed for an additional discount of 5%.

Be Cautious About Exclusions

Here’s what your car insurance will not cover..

While HDFC ERGO car insurance policy is well designed to protect you against any financial liabilities involving your vehicle, there are certain scenarios that the insurance company will not pay.

  • General aging and wear and tear of the car
  • Damages caused by driving without a valid driving license
  • Mechanical or Electrical breakdown
  • Damage caused while driving under the influence of Liquor/Alcohol/Drugs
  • Depreciation or any consequential loss
  • Loss or Damage due to War or Mutiny or Nuclear risks
  • Damage to tyres and tubes except in the case where the vehicle also requires repairs. In this case, the liability of the company shall be limited to 50% of the cost of replacement
  • Loss or Damage outside India

Need to Claim? Here’s how to..

  • Intimate the claim on HDFC ERGO’s Toll-Free No. 1800 2 700 700
  • For cashless service, you need to get your car repaired at a garage within the network of HDFC ERGO Car Insurance
  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurer

Coverfox Review:

HDFC ERGO is backed by quality service with quick solutions. With useful add-ons on offers, the car insurance plan provides comprehensive coverage to protect your vehicle in case of any accident. Also, with the number of discounts on offer, it is definitely worth the money spent. With an extensive network of cashless garages and prompt and seamless customer service, you should consider HDFC ERGO car insurance if you are looking for complete peace of mind and value for your money spent on premium.

Talk to a Car Insurance Advisor

Understand all the benefits of HDFC ERGO car insurance plans

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