You pay the same as if you were to buy directly from the insurance company
We're on your side - representing you at the insurance company for claims and what not
PolicyX.com WeCare Initiative - A portion of your premium goes for education of underprivileged - Know More
Portfolio Planning - All our policyholders get one time portfolio planning services through our certified planners for free
HDFC, which is now synonym of ‘home’ in India and ERGO which is a global renown leader in non-life insurance solutions, their joint venture HDFC ERGO General Insurance was established in 2002 and at present a leading name in the insurance market. HDFC ERGO General Insurance Company provides numerous the insurance plans for the diverse requirements of human beings like, Health Insurance Plans, Travel Insurance Plans, Personal Accidental Plans and Home insurance plans which are absolutely beneficially being functioned in over 109 branches in 89 cities with a transparency for the customers with a guaranteed proper assistance.
It's never late to secure your family because we have no clue that what is next moment holding in its fist. A home is your one-time investment for your loved ones. Your home has witnessed uncountable happy, sad stories of your life and you have your endlessness affection and love for your home. No matter how much messy it was all day, at the end all you need is your home, you get peace and where all your worries disappear without any delay. So this is your responsibility to keep your stress buster and loving place safe and secure. There are so many insurances nowadays and one secures his/her health and his/her family’s health with a health insurance, then why not you think about securing the health of your home with a Home Insurance Policy?
Since its foundation, HDFC ERGO General Insurance Company Limited has won several awards for its services.
The company has been rated iAAA by ICRA which indicates the firm’s highest paying ability.
HDFC ERGO General Insurance was awarded Best Insurance Company in Private Sector - General by the World HRD Congress at ABP NEWS - Banking, Financial Services & Insurance Awards 2014.
Awarded as the Best General Insurance Company in India by International Alternative Investment Review (IAIR) in 2013 and 2014
HDFC ERGO Home insurance plans, secure your home from major risks like natural or man-made disasters. HDFC ERGO Home Insurance offer plans which cover the risk and loss related to flood, fire, burglary, and theft. Your valuable possession will also be secured under the insurance plan by HDFC ERGO Home Insurance. You can customize your insurance plan with the further ad on as they have the flexible system as per the requirement of the customer. If security systems are installed in the house, a policy holder can avail discount up to 25% + additional discounts as per the choice of plan. They provide you a healthy and wise choice to choose between two plans:-
1. Coverage against Fire together with some other Perils A) Building and B) Contents.
2. Burglary and Housebreaking
Those individuals who reside in a house or flat. The external wall should be made up of burnt bricks; stones, concrete blocks, and roof should be of tiles, RBC or ACC of the building/house.
Those that are living as a tenant or home owners can opt for the content Home insurance policy for fire and burglary.
An Authorized member of any housing society‘s managing committee can avail a policy that covers and secure general utilities and society buildings.
House owner can avail the multi-year policy of HDFC ERGO home Insurance only where the coverage for building (section 1 A) is mandatory.
Not everything is included in the policy so you need to be well aware of your home insurance policy before buying it. Few things that are excluded from the policy are as follows-
Any loss or damage to the property that is caused due to any type of war or communal riots is not covered in the home insurance plan.
Damage to the property caused by pollution or negligence of the owner or policy holder will not be covered.
The gradual destruction of the buildings that result in a major flaw cannot be covered in the policy.
Loss or damage to the property due to radioactive reactions or some nuclear perils is not to be covered.
One needs to refer to the Policy Wordings of HDFC ERGO Home Insurance for a detailed list of exclusions as you should be aware of your policy for avoiding any further future misconception.
HDFC ERGO General insurance offers three easy modes for the premium payment-
i) You can sign an auto debit mandate while you are buying a policy. Premium amount of the policy will be automatically deducted from your bank account on due date.
ii) You can pay by cash or cheque at the bank
iii) You can pay your premium directly by online payment
HDFC ERGO offers an auto renewal of the policy if you have signed an auto debit mandate. Otherwise, you can renew your policy but log into the online portal with your valid login details. You can pay to be new banking or debit /credit card. You can print your e-payment receipt easily for further use from there.
FIR will be mandatory for Malicious Damage Riot and Strike Terrorism, Burglary, Theft. But at the same is not needed for flood, storm, lightning, subsidence, earthquake, Impact Damage due to Aircraft Losses. So it depends on the nature of the loss.
There are different factors on which your premium amount depends, some of them are-
1. Built up area of the property, per square feet
2. Policy period selection
3. Market value of the content and valuables
4. Construction cost of building in your area/locality
The following type of properties are not covered by the insurance policy-
Office cum residents
Each and every ‘kutcha’ construction
Property which is under construction
Today, the Finance Minister Arun Jaitley presented the Union Budget of 2018-2019 in the parliament. The Union Budget 2018-19 refer to be the last budget of NDA government before the general elections that would take place in the last year. It is the first budget after several but big reforms…
The post Top Highlights of Union Budget 2018 appeared first on .
While the whole world, including India, had their eyes glued to their television sets waiting for the American presidential candidacy results, the Indian Prime Minister Narendra Modi, had different plans entirely. When people in India were awaiting the speeches of Donald Trump and Hillary Clinton, Narendra Modi took the microphone…
The post Demonetization – The Big Game, and its effect on Insurance Industry appeared first on .
When you purchase a home insurance policy, you are not just insuring your house made of bricks and mortar, but you are insuring your home, made with love, dreams, hard work and insight. It may be catastrophic when something happens to it. Choosing from the Best Home Insurance Policies of…
The post Choose Amongst the Best Policies For Home Insurance This 2017 appeared first on .
The Lok Sabha, on 8 August, passed the long overdue Constitution (122nd Amendment) Bill to roll out the Goods and Services Tax (GST), with 443 lawmakers voting in favour of the legislation, and AIADMK MPs staging a walkout after registering their opposition. The passage of the bill marked a historic…
The post GST and its Impact on Insurance appeared first on .
In an age where celebrities have taken steps to insure their most valuable assets – from a smile to a hip, it makes it vital that a necessity like one’s home to be insured. What do you think is the definition of home? Some would say that home is where…
The post 5 Best Home Insurance Companies in India appeared first on .