HDFC Ergo Car Insurance
hdfc ergo car insurance
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HDFC ERGO Car Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd. & ERGO International AG, which is the main insurance body of Munich Re Group. It provides a wide range of motor, health, and travel insurance products. Customers can buy liability, marine, and property insurance products as well. The company is rated as 'iAAA' by ICRA Limited. It also has the ISO certification for its claim services, policy issuance & customer servicing. The company has spread its branches in more than 106 cities. Among all products, car insurance is the most demanded one. The company is offering multiple car insurance products for the convenience of customers.


Claim ratio


Third-party liability cover

Up to 7.5 lakhs

Network garages


Table Data updated on 05-11-2020

How To Renew Your HDFC ERGO Car Insurance?

You can renew your policy through or by visiting HDFC ERGO General Insurance Company's website. Let's find out more about them.

Renewal via

  • Scroll up to the 'Compare Car insurance Quotes Online' section, which is listed at the top of this page.
  • Provide details of your vehicle and click on the tab 'Get Quotes'. You also have the option to click on 'Proceed without car number' and fill the details to visit the quotes section.
  • Choose the HDFC ERGO Car Insurance plan that you want to renew.
  • Make payment via different payment modes.
  • You will get the policy document over the email.

Renewal via HDFC ERGO General Insurance Website

  • Visit the official website of the HDFC ERGO General Insurance Company.
  • Scroll down and click on the tab 'Renew'.
  • Submit basic details such as policy number, phone number, or e-mail address.
  • Click on the tab 'Renew Now'
  • Check the details of your plan.
  • Make the payment using different payment methods.
  • You will get the policy documents on your email.

Key Features and Benefits of HDFC ERGO Car Insurance

HDFC ERGO is one such platform that allows customers to take the benefit of saving money and time. With multiple options, it will become easier for you to grab the best plan for yourself. It will save you from the hefty paperwork and allow you to pay via debit card/credit card/net banking/others with no risk to your financial security. Other benefits are listed below:-

Customer Support

To assist customers from start to end, the company's support system is always on high alert. It has a dedicated team of experts to provide the needful assistance (24*7) to its customers to achieve a seamless process.

Cashless Services

The company offers cashless services via 6800+ network garages. With the same, you don't have to pay a single penny from your pocket for the repairs.

Wide Range of Insurance Policies

The company offers a wide range of car insurance policies at budget prices. Customers can choose the best as per their needs. From third-party liability cover to comprehensive cover, all are available at HDFC ERGO General Insurance Company.

Unmatched Security

The online application process is very quick and 100% secure. Thus, your investment will be safe and it also provides the required safety at the time of coverage.

Easy Application Process

The process is faster & easier than ever. You just have to fill out the necessary details, submit the required documents and you are just a step away from buying your policy.

HDFC ERGO Car Insurance Premium Calculation

To enjoy the coverage and benefits of car insurance policy, you have to pay a premium that will keep your policy active for the chosen tenure. To know how much you have to pay to insure your car, you can use the car insurance premium calculator.

You can also use the below-mentioned formula to calculate the same.

Premium = Own Damage Premium – (No claim bonus + discounts) + Liability Premium as Fixed by the IRDAI + Cost of Add-ons

Premium Samples

Car Model



Zero Dep cover*

Estimated Premium*

Honda Amaze S CVT (1199cc)





Maruti Baleno Alpha 1.2 (1197cc)





Volkswagen POLO 1.0 Highline (999cc)





Fiat 500 Lounge (1248cc)





Table Data updated on 05-11-2020

The values are calculated on the basis of the city (Hyderabad) and year of registration (2020).

Add-ons Covers: HDFC ERGO

Today, people are inclined to those parties who offer extra protection to the insured and his/her vehicle. HDFC is one of them. They keep their promise of extra protection via add-on covers. Here is a list for your understanding:-

  • Zero Depreciation Claim: The logic behind buying a policy is to get a full claim. No cuts whatsoever. No depreciation claim can make this possible. With this, you don't have to worry about depreciation cuts.
  • No Claim Bonus Protection: Unfortunately, we have no control over the accidents. In other words, you never know what can happen while you go out for a drive. Sometimes, it's not your fault. But still, you lose the 'No Claim Bonus' when you apply for a claim. With this protection, this will not happen as it will protect your bonus.
  • Protection of Gearbox & Engine: In time, your car will meet a few obstacles that may hamper the performance of its engine/gearbox. This coverage stands guard to look after the internal damages without giving you grey hairs.
  • Emergency Assistance Coverage: Life is uncertain and an emergency can strike without notice. This coverage will offer assistance in situations where your car's tyre is punctured or your car won't start because of a low battery, etc.
  • Key Replacement Claim: We live busy lives and it can become difficult to keep track of a few things (including your car keys). But there is no need to worry. This claim will cover its replacement charges (if they are lost/stolen).
  • Downtime Claim: When your car is in the garage, you have to look for other alternatives for your daily commute. This claim will offer an allowance (cash) to pay the bills of an alternate mode of transportation.
  • Cost of Consumables Items: It covers all the consumables used in the car including non-reusable consumables such as nuts, bolts, etc.

HDFC ERGO Car Insurance Claim Process

The company is proud to offer an easy and worry-free claim process. It offers ease to its customers with all the services (whether it is an innovative plan or a smooth claim process).

Cashless Network Garages Claim Process

There is an easy process to file a cashless claim. So, just sit back, relax and follow the below-mentioned steps:-

  1. Visit or call on the toll-free number to locate the nearest network garage.
  2. Take your car to the network garage.
  3. The company will appoint a surveyor who will access all damages and losses.
  4. Submit a claim form with basic details and provide the required documents.
  5. You will receive daily updates through SMS/Emails.
  6. You might have to pay a part of the claim. The network garage will take care of the rest.
  7. You will receive a computation sheet of claims with a break of records.

Reimbursement/Non-Network Garages Claim Process

  1. Visit the official website of the HDFC ERGO General Insurance to register the claim.
  2. Scroll down and click on 'Claim'.
  3. Click on the tab 'Car Insurance'.
  4. Click on 'Register claim'
  5. Submit policy number/phone number or email ID.
  6. Click on the tab 'Go'.
  7. You will receive an OTP for verification on a registered email address/phone number.
  8. The surveyor will access all the damages.
  9. Submit the duly signed claim form along with the required documents.
  10. On receiving all documents, the claim would be processed.
  11. You will get an update through SMS/Emails on every stage of the claim.
  12. Payment would be made through NEFT or cheque.

Note- You can also register a claim through SMS or call.

What Are The Required Documents To File HDFC ERGO Car Insurance Claim?

  • Claim form
  • RC of the car & original keys
  • Copy of driving license
  • Policy documents (original)
  • FIR (in case of theft)
  • PAN card, registration certificate, and driving license.

Contact Details

HDFC ERGO General Insurance Company

Tollfree: 022 6234 6234 / 0120 6234 6234

Email id: preauth[at]hdfcergo[dot]com

Registered Address: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg,

Churchgate, Mumbai - 400020 Insurance Web Aggregator

Contact number: 1800-4200-269

Email id:

Registered Address: PolicyX.Com Insurance Web Aggregator Private Limited

1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.


1. What type of cars does HDFC ERGO insure?

It insures all types of cars whether new or old.

2. What is excluded from the HDFC ERGO Car Insurance policy?

Below are the few things that an HDFC ERGO car insurance policy does not cover-

  • Damage caused by routine wear & tear or ageing of the vehicle.
  • Damage occurs by the person driving the vehicle without a valid license.
  • Any loss or damage that occurs outside India.
  • Electrical/mechanical breakdown of the vehicle, depreciation, or any consequential loss.

3. What happens when I wish to renew my expired HDFC ERGO car insurance policy?

You have to download the HDFC ERGO Motor Self Inspection application (from play store or app store). On the app itself, you need to submit your reference/policy number. Later, you have to submit the required documents on the app. Once the company approves the documents, you will receive a payment link on your phone number. Once you are done with the payment, you will receive a copy of the policy on your registered email address.

4. What happens to the No Claim Bonus while renewing an HDFC ERGO expired car insurance policy?

No Claim Bonus is valid up to 90 days from the last expiry date. If you have not renewed within 90 days, then it will become 0% and no benefit shall be passed on to the renewed policy.

5. How can I make changes in my HDFC ERGO car insurance policy details after receiving the policy documents?

You can make changes in your policy details via visiting You have to go to the 'HELP' section on the website and place a request.

Last updated on Aug 2022