HDFC ERGO Car Insurance

HDFC ERGO General Insurance Company Limited was established in 2002 as a joint venture between HDFC Ltd and ERGO International AG, part of the Munich Re Group. The company is licensed by the Insurance Regulatory and Development Authority of India (IRDAI) with Registration No. 146, dated 9 July 2010.

Over the years, HDFC ERGO has been recognised with multiple industry accolades such as Best General Insurance Company in India, Gold Shield ICAI Awards, Best Customer Experience Award of the Year (Financial Sector), ISO certifications, and SKOCH Order-of-Merit for excellence in customer service and operational quality.

Here are the main types of car insurance policies offered by HDFC ERGO Car Insurance:

1. HDFC ERGO’s Third-Party Car Insurance

This is the minimum legal requirement under the Motor Vehicles Act and protects you against third-party liabilities for injury, death or damage to another person’s property caused by your car. Third-party car policy by HDFR ERGO does not cover damage to your own vehicle but ensures you comply with Indian law.

2. HDFC ERGO’s Comprehensive Car Insurance

The most popular and complete policy by HDFC ERGO that combines third-party liability cover with own damage protection for your car against accidents, fire, theft, natural calamities, man-made disasters and other insurable perils. HDFC ERGO’s comprehensive plan is flexible and can be customised with add-on covers.

3. HDFC ERGO’s Standalone Own Damage (OD) Cover

If you already hold a third-party policy, you can opt for this standalone OD policy by HDFC ERGO, which covers only the insured vehicle’s own damages due to accidents, theft, fire, flood, earthquake and other risks, without the bundled third-party cover.

Here are the key features of HDFC ERGO Car Insurance policies, offering comprehensive coverage, add-on options, and convenient digital services for a hassle-free experience.

Here are the key benefits of buying an HFC ERGO car insurance policy:

• Budget-Friendly Protection That Works for You

HDFC ERGO offers flexible car insurance plans with premiums starting from ₹2,094*. Opting for a comprehensive policy also lets you earn a No Claim Bonus of up to 50%, rewarding you for claim-free driving. With an easy-to-use premium calculator, estimating your insurance cost is quick and simple on Coverfox.

• Cashless Repairs, Wherever the Road Takes You

Unexpected breakdowns or accidents don’t need to disrupt your journey. With access to 12,200+ cashless garages across India, HDFC ERGO ensures repairs without upfront payments. Plus, 24×7 Roadside Assistance means help is always available when you need it most.

• HDFC ERGO’s Overnight Vehicle Repair Service

Minor damages or breakdowns no longer mean missed workdays. HDFC ERGO’s Overnight Vehicle Repair facility takes care of eligible repairs while you rest, so your car is ready by morning and your routine stays on track.

• Simple, Digital Claims Experience

Filing a claim is straightforward and fully online. You can register claims digitally, download claim forms, and track claim status easily, ensuring a smooth and transparent claims journey through HDFC ERGO.

• Trusted by Millions of Car Owners

With 3.2 crore+ happy customers, HDFC ERGO has built strong trust through consistent service and reliable support, making it a preferred choice when you buy or renew car insurance through Coverfox.

Here are the add-ons offered by HDFC ERGO to customise your car insurance policy:

1. Zero Depreciation Cover

HDFC ERGO offers unlimited Zero Depreciation claims, ensuring no depreciation deduction on replaced parts during every eligible claim, leading to higher claim payouts.

2. No Claim Bonus (NCB) Protection

This add-on protects your accumulated NCB even after a claim and allows you to move to the next NCB slab, helping reduce future premiums.

3. Roadside Assistance

Provides 24×7 emergency support, including towing, flat-tyre assistance, battery jumpstart, fuel delivery, and on-spot minor repairs across India.

4. Cost of Consumables Cover

Covers consumables such as engine oil, brake fluid, coolant, grease, and nuts & bolts, which are otherwise excluded from standard claims.

5. Tyre Secure Cover

Pays for the repair or replacement of tyres and tubes damaged due to puncture, cuts, bulges, or bursts arising from accidental impact.

6. EMI Protector

If your car is under accidental repairs for over 30 days, HDFC ERGO pays the vehicle EMI as defined in the policy, easing financial burden.

7. Return to Invoice (RTI)

In cases of total loss or theft, this add-on reimburses the original invoice value of the car, including registration and road tax, instead of the depreciated IDV.

8. Engine Protection Cover

Covers engine and gearbox damage caused by water ingress or oil leakage, commonly during floods, risks excluded under standard policies.

9. Downtime Protection

Reimburses daily commute expenses, such as cab costs, while your insured car is under repair at an authorised garage.

10. Loss of Personal Belongings

Covers loss of personal items like laptops, mobiles, clothing, and essential documents kept inside the vehicle.

11. Pay As You Drive Cover

Designed for low-usage vehicles—if you drive under 10,000 km, you can receive up to 25% benefit on the own-damage premium at policy end.

12. EMI Protector Plus

Enhanced EMI coverage where HDFC ERGO pays:

• 50% of the first EMI if repair takes 6–15 days
• 100% of the first EMI if repair exceeds 15 days
• Second and third EMIs if repairs extend beyond 30 and 60 days, respectively

In the HDFC ERGO car insurance policy, the following things will be covered:

• Damage to your car due to road accidents, collisions, overturning, or impact

• Loss or damage caused by fire, explosion, lightning, self-ignition, or burglary

• Theft of the insured vehicle, including total loss cases

• Protection against natural calamities such as floods, cyclones, earthquakes, landslides, storms, and inundation

• Coverage for man-made events like riots, strikes, vandalism, or malicious acts

• Third-party liability cover for injury, death, or property damage caused by your car

• Personal Accident cover up to ₹15 lakh for the owner-driver.

• Access to 12,200+ cashless garages for hassle-free repairs

• Option to enhance coverage with HDFC ERGO add-ons, including unlimited zero-depreciation claims, engine protection, return to invoice, and roadside assistance

The process to buy car insurance from HDFC ERGO is simple and can be done through Coverfox:

1. Click on the Car insurance tab from the Retail insurance tab on top of this page.

2. Enter your Car details

3. Click on Get Quotes

4. A list of insurers' plans will be shown

5. From the drop-down list, select HDFC ERGO as insurer

6. Choose a suitable plan and pay the fees

7. After payment and verification, your policy will be instantly emailed to you.

HDFC ERGO has a huge network of garages, over 12,200, for making cashless claims. To find a specific network garage, you can visit https://www.hdfcergo.com/locators/cashless-garages-networks and find the updated network garage list.

WhatsApp Support

• Send “Hi” to 8169 500 500

Policy Servicing (Claims, Renewal & Policy Queries)

• 022 6158 2020

• 011 6158 2020

Buy a New Policy

• 022 6242 6242

Offices Address

Registered & Corporate Office

6th Floor, Leela Business Park, Andheri–Kurla Road, Marol, Andheri East, Mumbai – 400059

Customer Service Address

D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai – 400078

Email Support

• General Queries: care@hdfcergo.com
• Pre-authorisation Issues: preauth@hdfcergo.com
• Travel Claims: travelclaims@hdfcergo.com

Digital Support Options

• HELP section on HDFC ERGO website
• HDFC ERGO mobile app
• Live chat with chatbot DIA
• WhatsApp support at 8169 500 500

International & Special Assistance

• 80008290829 (use country code)
• USA Toll-Free: 1855 756 9989
• India Landline: 022 6158 2020

Senior Citizens & Persons with Disabilities

• 022 6158 2026 (24×7, chargeable)

Disclaimer: The details presented on this page are for informational purposes only, directly taken from the HDFC ERGO official website. Any coverage or plan details are subject to change as per policy. Refer to your policy document for exact coverage and the official website for any updates.