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HDFC Ergo Car Insurance
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HDFC Ergo Car Insurance
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HDFC Ergo Car Insurance

HDFC ERGO General Insurance Company Ltd., a joint venture between HDFC Ltd. and ERGO International AG, which is the main insurance body of Munich Re Group. It provides a wide range of motor, health travel insurance products. Customers can buy liability, marine, and property insurance products. Currently, the organization operates in 71 cities; it has 80 branch offices and around 1,100 staff members. The company is rated 'iAAA' by ICRA Limited. It also has the ISO certification for its claim services, policy issuance & customer servicing.

Importance Of HDFC ERGO Motor Insurance

Motor insurance policy by HDFC ERGO provides complete coverage to your vehicle. It ensures that your hard-earned savings remain secure and do not bear the losses if your vehicle meets an accident, is stolen or undergoes any mishap on the road.

The motor insurance at HDFC ERGO provides cashless claim services with over 1600 plus certified garages across India. When your vehicle comes on the road, it becomes prone to theft, damage, loss and other such incidents. Hence a motor insurance becomes necessary to protect your vehicle from all unwanted incidents.

Why HDFC ERGO Motor Insurance

In India, having a motor insurance policy is a mandatory thing; you don’t have any choice in it. It is advisable for all vehicle owners to buy a motor insurance plan before they take their vehicle on the road. Some people think that since they didn't have any kind of claim in the previous year, so they need not renew their policy again. This is wrong. It is simple yet effective as motor insurance offers coverage against accidents, theft and general damages among other. There are many reasons that tell you the importance of having a motor insurance. We have listed some of them for you:-

Serious Accidents: There are several days and moments when you must be tired, exhausted and distracted while driving and that results in a crash before you could understand anything it already leaves a bad impact. It might not be your fault, but being prepared for the same in advance can help you a lot. Without a valid motor insurance, you have to pay for the entire repairing cost of the vehicle from your pocket and that can be costly. On the other hand, with a valid motor insurance, it will be easier for you to go for repairing without worrying too much about the money.

Post-Accident Healthcare: While searching for a motor insurance plan, you must think that what you would do if you need medical attention after an accident and you don’t have the disposable funds to get quality treatment. A motor insurance will assist you with clearing your medical bills in such situations. It becomes all the more important if you do not own a health insurance policy.

Minor Collisions: Motor insurance policies are also useful for the smaller collisions that leave you with a cracked windshield or a damaged bumper. Those who own a vehicle knows that the car repairing is really expensive. You can even file a claim for minor injuries also.

Theft and Vandalism: There are a few ways to keep away the danger of auto theft. We don’t know what can happen in future. Those cars, which are installed with anti-thefts devices are hard to steal but still not impossible. Theft can take place anytime, to protect yourself from the same, you must have a valid motor insurance policy with yourself. It will help you to deal with such situation easily. It is advisable to go with an adequate motor insurance so that chance of rejection will be less.

Key Benefits of HDFC ERGO Car Insurance

Enjoy cashless claim service at over 3400+ authorized network garages.

  • A network of authorized garages located across India.


  • Offers No Claim Bonus.

  • Special discounts Automobile Association’s member.

Accidental Cover /Customer Support

  • You will get compulsory personal accident cover (owner/driver of the vehicle) for up to Rs 2 lakhs against Permanent total Disability & Accidental Death.

  • This can be extended to the named or unnamed passengers of the vehicle

  • The dedicated customer care team make sure that all your queries get clear on time

HDFC ERGO Motor Insurance Plans

HDFC ERGO Motor insurance is offering a wide range of effective plans. You just need to pick out the best one for yourself. The wide range of products offer great coverage along with attractive befits also.

Private Car Insurance

It is a financial safeguard for a large variety of conditions; car insurance becomes one of the most important things when you buy a car. Car insurance will provide coverage to your car against natural disasters, theft, accident, etc.


  • 24*7 Support

    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an e-mail

  • Zero Documentation

    You need not go through lengthy procedures for buying online car insurance policy

  • Trusted by Millions

    With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.

  • Fair and transparent claim settlement policies

    HDFC ERGO Motor Insurance claims are settled with utmost transparency.

Commercial vehicles Insurance

HDFC ERGO provides vehicle insurance policies for Commercial Vehicles for almost all types of vehicles such as Goods Carrying Vehicles-Private and Public Carrier, Trailers, Passenger Carrying Vehicles, Miscellaneous and Special Types of vehicles – Mobile Rig, Shovels, Grabs, Tractor, and Excavator etc.


  • Round the Clock Support

    24x7 Claim Assistance

  • Cashless claim service

    You can avail cashless claim service with over 5000+ authorized network of garages across India.

  • Buy online for added convenience

    Wherever you go, use your mobile app for instant buying.

  • Instant Policy

    Thanks to paperless documentation and quick approval, you can download your policy document on successful payment of premium.

Add-on Covers for HDFC ERGO Car Insurance

Depreciation Cover

Several add-on plans offer the facility of zero depreciation. Zero Depreciation Claim offers protection and no claim bonus will be there.

Third Party Cover

You will get third party liability cover in case of any injury or death to the third party.

Personal Accident Cover

It offers protection to you against Permanent total Disability & Accidental Death.

The cover also extends to the named or unnamed passengers of the vehicle up to the vehicle’s seating capacity and a driver.

Inclusion & Exclusion in HDFC ERGO Car Insurance


  • Offers protection against damages that occur because of fire, explosion, lightning, natural calamities (flood, earthquake, landslide, etc.).

  • You will be liable to get the coverage against damages which is caused because of theft, burglary, house break-in, terrorism, malicious acts, etc.

  • It will also provide coverage against transit by rail, road, air, inland waterways or lift.


  • Damage caused by routine wear & tear, aging of the vehicle.

  • Damage occurs by the person driving the vehicle without a valid license

  • Any loss of damage that occurs in India

  • Electrical/mechanical breakdown of the vehicle, depreciation or any consequential loss.

Benefits Of Applying HDFC Ergo Motor Insurance Online

It is always good to buy something from the comfort of your home without compromising on quality. HDFC ERGO is one of such platforms that offers an online platform and allows the customer to take the benefit of saving money and time as well. By looking for the right car insurance plans online, you will be able to get the best one for you easily. It will allow you to make payment through debit card/credit card, net banking, etc and takes care of your personal security.

Additionally, allows you to take the benefits of HDFC ERGO Motor Insurance online-

Easy Application Process Easy application process, you just need to fill the basic details along with the minimal documentation. The process id faster and easy.
Ready Support HDFC ERGO is providing effective customer support. It will be a one call away to provide the needful assistance and clear all your queries.
24x7 Coverage HDFC ERGO is offering 24*7 coverage. It will always be there to provide the needful assistance.With online renewal, ready e-copy of the policy is issued for you to print out, and of course, stay insured without any breaks.
Unmatched Security The online application process is very easy and quick, and also 100% secure. Thus, your investment will be safe and will provide required safety at the time of coverage.

Documents Required At the time of filing Claim

  • Before filing a claim with Future Generali, a few things are very important to keep in mind in regards to the claim procedure.

  • Below is the list of documents required when you make a claim.

  • Copy of the car insurance policy.

  • Duly filled claim form and claim intimation letter

  • Copy of Driving License.

  • Original/Copy of the Registration Certificate

  • Invoices for both reimbursement and cashless claims, along with proof of cash receipt.

  • Copy of F.I.R if there was damage to a third party property/person.

  • The survey report issued by an authorized surveyor.

  • An estimation of repairs of the work carried out at the garage.

Claim Settlement

  • Inform Cholamandalam MS instantly on their toll-free number 1800-200-5544

  • File a claim with duly signed Claim Form

  • Copy of Driving License, RC book, the Policy document

  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in an accident)

  • Original Repair Estimate Bill

  • In case of cashless service, you have to provide Invoice receipt

  • In case of reimbursement you have to submit estimate bill, original invoice, and payment receipt

HDFC Ergo Car Insurance - Faq's

1. How much coverage does HDFC ERGO car insurance provider?

HDFC ERGO offers coverage for private cars depends upon the price of the car and the Insured Declared Value. Claims can be easily made through cashless methods and policies can be availed instantly through the HDFC ERGO website.

2. Does HDFC ERGO have an option to renew premiums online?

Yes, HDFC ERGO is offering the renewal option using their bank accounts or credit cards. Transfers from another insurance company to HDFC ERGO motor insurance can also be done while taking care of full benefits.

3. How is no claim bonus handled with HDFC ERGO car insurance?

At the time of renewing policies, the customer can easily get no claim bonus based on the no claim history. You can get 20 percent off discount easily but that varies from insurer to insurer. You can also transfer your no claim bonus amounts from you previous policies to HDFC ERGO car insurance.

4. Should a cover note be availed?

HDFC is providing the facility for temporarily insuring your car while it is in the procedure of registration. It is basically valid for 60 days after which a package policy comes into effect.

5. What type of cars does HDFC ERGO insure?

HDFC ERGO motor offers complete protection to your new and used cars.

Contact Address

HDFC ERGO General Insurance Company Ltd.
6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai - 400 059
Tel : 022-6638 3600 Fax : 022-6638 3699
E-mail: healthclaims(at)hdfcergo(dot)com

Customer Reviews

April 7, 2018


Its been 2 years since i have taken this policy from HDFC ERGO.T hey give a good policy coverage amount.

April 6, 2018


I am happy with the coverage value of HDFC ERGO car insurance policy. I am paying a premium of 7500 per year. My claim experience was good with HDFC ERGO.

April 3, 2018


The service is good and give an expeditious response. I always make payment through online and my experience was a really good user-friendly website.Its always best to have insurance for the car as it got multiple benefits for future use.


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