HDFC ERGO Car Insurance

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HDFC ERGO Car Insurance

"HDFC ERGO car insurance is a comprehensive motor insurance plan offered by HDFC ERGO General Insurance Company. The insurance company is a joint venture between HDFC Bank and ERGO of the Munich Re Group. With over 6800+ cashless garages, HDFC ERGO provides a wide range of car insurance plans such as comprehensive car insurance, standalone own damage, long term comprehensive car insurance and third party liability car insurance. The latest service provided by HDFC ERGO is jumpstarting your car. In case your car has not been utilised due to the lockdown, you can avail the HDFC ERGO JumpStart service to restart your vehicle."

Key Features of HDFC ERGO Car Insurance

  • Instant renewal – Instant paperless renewal
  • Additional Discount if the policyholder is above age 35
  • Claim Assistance 24/7 claim assistance

Its Simple and Instant


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Key Benefits of HDFC ERGO Car Insurance

HDFC ERGO Private Car Insurance Coverage

HDFC ERGO insurance policy for car covers Own Damage Car insurance and Third-party liability insurance, additionally you can also, opt for long-term policy for 3 years which would help you as a car owner at the time when needed – in case of an accident or mishaps.

Types of Coverage

Own Damage: HDFC ERGO two insurance policy will protect you against any loss or damage to the car and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Earthquake, flood, storm, landslide, rockslide
  • Burglary, theft, riot, strike, malicious act
  • Accident by external means, terrorist activity
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air

Third Party or Liability: This policy is mandatory by the Motor Vehicle Act 1988, it is provided by HDFC ERGO. This policy is protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Personal Accident Cover:Coverage of 2 lakhs for the owner-driver of the vehicle while travelling, mounting or dismounting from the Car. Optional personal accident covers for co-passengers is also available at premium of 100/person with a sum insured of 2 Lakhs for each.

Legal Liability cover for Paid Driver at a premium of Rs. 50.

Add-on Features of HDFC ERGO Car Insurance

Zero or Nil Depreciation Cover: Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyre(s) and tube(s).

No Claim Bonus Protection: With every year the No-Claim Bonus keeps increasing from 20% for the first no-claim year up to 50% for the 5th year. But if in case you make a claim in a single year, this may reduce to zero. To avoid this HDFC ERGO offers No Claim Bonus Protection as an add-on cover.

This add-on cover helps you retain the same ‘No Claim Bonus’ even after claim.

Key Benefits

  • You save substantial amount on premium
  • NCB is retained even if claim is lodged

Conditions - Maximum only up to 3 claims subjected to:

  • Damages to Windshield Glass
  • Loss to parked vehicle by external means
  • Loss to parked vehicle due to flood, earthquake, AOG perils

Cost of Consumables Cover - This add-on element covers expenses incurred due to accident, mishaps or any other loss on the consumable items to the car insured and / or to its accessories, as per the policies wording.

The claim is accepted only if the consumables are damaged or replaced due to the Fire, explosion, self-ignition or lightning, earthquake, flood, storm, landslide, rockslide, burglary, theft, riot, strike, malicious act, etc. or any other perils as mentioned in policy wordings.

Engine & Gear Box Cover - Engine protection cover expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to:

  • Engine Parts
  • Differential Parts
  • Gear Box Parts

Key Benefits - Stay protected if you are driving your vehicle through water logged area. Covers expenditure incurred due to damage to internal Engine and Gear box parts

Conditions -The claim will be approved if the damages occur due to the flood, storm, landslide, rockslide, etc. and any other perils mentioned under the Own Damage section of policy.

Emergency Assistance Cover - Many times while commuting or travelling you may experience unpleasant event such as, flat tyre/s or running out of fuel. This cover helps you with such emergency breakdowns. This way you can plan any road trip or commute without worrying about the unpleasant events.

On road repair for minor breakdowns, change of flat tyre, emergency fuel, towing facility till the nearest garage.

Below is the list for your reference:

  • On site minor repair
  • Battery jump start
  • Duplicate key
  • Tyre change
  • Locked/Lost keys
  • Fuel delivery
  • Emptying of the Fuel type
  • Towing and Removal of the covered vehicle

Return to Invoice Cover - You can add this valuable cover to make sure in case car gets stolen or completely damaged, you get the depreciated value Insured Declared Value (IDV) of your car under the standard policy.

If you choose this add-on cover, you get the invoice value of the car along with the registration fees, road tax, and insurance.


  • If the insured vehicle is recovered within the 90 days of theft
  • The claim won’t be admissible until the final investigation report in case of theft is issued police authorities.

Its Simple and Instant

Discounts offered by HDFC ERGO Car Insurance

HDFC ERGO General Insurance offers many attractive discounts that the policyholder can avail.

No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.

No. Of Years Discount
One claim-free year
Two consecutive claim-free years
Three consecutive claim-free years
Four consecutive claim-free years
Five consecutive claim-free years

Other Discounts: HDFC ERGO General Insurance offers other discounts provided you are a member of any recognized Automobile Association of India

Exclusions of HDFC ERGO Car Insurance

  • General Ageing, wear and tear
  • Damage by a person driving without a valid driving license
  • Mechanical or Electrical breakdown, failure
  • Damage by a person driving under the influence of Liquor/Alcohol/Drugs
  • Depreciation, any consequential loss
  • Loss /Damage attributable to War /Mutiny /Nuclear risks
  • Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Loss /Damage, outside India

How to Claim for HDFC ERGO Car Insurance

Contact Details:

  • Website:
  • Email:
  • Toll-Free Number: 022/0120-6234 6234

Required steps and supporting documents:

a) In case of Car Accident claim

  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt

In case of Car Theft Claim

  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  • 1. The first things to make a claim is to call on HDFC ERGO General Insurance’s Toll-Free Helpline number – 022/0120-6234 6234
  • 2. Take appointment with the surveyor and take your vehicle to any of HDFC ERGO General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • 3. Company confirms liability
  • 4. If possible, opt for cashless garage facility, the company will settle the repair bills directly with the garage up to the amount payable
  • 5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
  • 6. Vehicle Delivery

Its Simple and Instant

Review of HDFC ERGO Car Insurance

HDFC ERGO is backed with more than 6800+ garage networks and 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. With an extensive network of cashless garages, prompt and seamless customer service, that claims to have 99% claim settlement ration for car, you should consider HDFC ERGO for your car insurance.

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