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HDFC Ergo Car Insurance
  • Easy Online Buy & Renewal Option
  • 6800+ Network Garages
  • Cashless Service Available
  • 24*7 Assistance Support
  • Wider Range of Policy

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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 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.

6800+ Network Garages

6800+ Network Garages

The company has tie-ups with 6800 garages that enure to provide cashless service to you without any hassles.

24*7 Assistance

24*7 Assistance

It offers hassle-free support to customers whenever required. It will always be there to provide the needful assistance in the hour of need.

Minimum Documentation

The company doesn't use the old-time-consuming paperwork technique. It offers a paperless process to buy car insurance easily.


Key Benefits of HDFC ERGO General Insurance

Online Buying Option

Online Buying Option

The company has come out with a wide range of effective online car insurance policies that do not ask you to visit the insurance company’s office. You can buy the same easily from the comfort of your home through the online portal which makes the entire process easier for you.

Wide Range Of Insurance Policies

Wide Range Of Insurance Policies

Unlike other portals, the company offers a wide range of car insurance policies which caters to different needs of customers and that too at affordable prices. From third-party liability cover to comprehensive covers, all are available at HDFC Ergo General Insurance Company. It also deals in customized plans.

Customer Support

Customer Support

To assist customers from starting to end, the company’s support system is always there. It has a dedicated team of experts to provide the needful assistance to its customers for a seamless process.

Cashless Services

Cashless Services

The company carries effective car insurance policies that are liable to offer cashless services through network garages. With the same, you don't have to pay a single penny from your pockets for the repair of your vehicle.


Types of HDFC ERGO Car Insurance Plans

HDFC ERGO General Insurance Company is a one-stop solution for all your car insurance needs. The company is offering multiple car insurance products to cater to the different needs of customers. Below is the list of such effective car insurance solutions.

  • Single Year Comprehensive Car Insurance
  • Stand-Alone Damage Cover
  • Long Term Comprehensive Car Insurance
  • Third-Party Liability Insurance

Single Year Comprehensive Car Insurance

HDFC ERGO Single Year Comprehensive Car Insurance

It is a comprehensive cover that offers complete cover to your vehicle and third-party liability as well. The plan is available at an affordable price with the cashless feature as well. It also comes out with effective add on options to enhance the cover.

What does Comprehensive Car Insurance cover?

  • Cover against Accidents-
    The plan is liable to offer coverage against accidents. It will provide the necessary cover to deal with all the damage that occurs because of an accident. It will always be there as a helping hand in the hour of need.
  • Fire & Explosion Cover
    It is true that fire & explosion can cause huge losses to your vehicle. To deal with all such damages, this effective feature of the plan will help you. It will cover partial and whole damage to the vehicle caused due to any fire and explosion incident.
  • Calamities
    The plan is also liable to offer cover against natural and man-made calamities. Calamities such as earthquakes, floods, landslides and much more will get the required cover in the hour of need.
  • Third-party liability cover
    The plan is not limited to the insured’s coverage, it will also provide the required cover to the third party liability if the damages occur due to the insured. This feature offers complete coverage to the third-party liability.

Key Benefits of Single Year Comprehensive Car Insurance

  • Personal Accident Cover
    One of the benefits of choosing this insurance policy is the personal accident cover that other insurers offer as an add on. Under this feature of the plan, the insurance company will pay for all the treatment to ensure that you stay healthy and lively.
  • No Claim Bonus
    For every claimless year, the company will provide no claim bonus. It will range from 5 % to 50 percent depends upon the insured.
  • Add on Covers
    The plan has come out with multiple add on covers options. All of effective add on are available at a nominal premium and the returns are huge.

Stand-Alone Damage Cover

HDFC ERGO Stand-Alone Damage Cover

It is a private car insurance policy that offers coverage to your beloved vehicle. All your car's own damage expenses will be liable to get the cover under this plan. It will provide an overnight repair service. The motto of this plan is to protect your car's own risks.

What Stand-Alone Damage Covers?

  • Accidents
    The plan is completely designed in a way to offer coverage against accidents. The plan make sure to cover all such accidents.
  • Cover against Theft
    The plan is also liable to offer cover against theft of your insured vehicle. It will be there in case of a misplaced vehicle to provide the required financial cover.
  • Calamities
    The plan also offers cover against natural calamities that includes earthquake, landslides, riots and much more. The cover is not limited to natural calamities, it also provides the required financial cover against man-made calamities as well.

Key Benefits of Stand-Alone Damage Cover

  • Save up to 70 percent premium
    The plan comes out with a 70 percent discount on the premium that may help you to save more.
  • Overnight car repair service
    Along with the effective car insurance cover, the plan is also liable to offer overnight car repair service that provides huge comfort to customers.
  • Limitless claims
    The plan doesn't limit your claims frequency. The plan allows you to offer limitless claims. You can register the claim through a simple online platform.

Long Term Comprehensive Car Insurance

HDFC ERGO Long Term Comprehensive Car Insurance

As discussed above, you will get all the benefits of comprehensive car insurance under the same but it will be for the long term not for 1 year only. This plan will offer protection to your vehicle in case of any fire, damage, earthquake, theft, etc. Moreover, it also offers cover against any third party liability in terms of death, bodily injury and third party property damage.

What Long Term Comprehensive Car Insurance Covers?

  • Accidents
    There is no doubt in saying that accidents are uncertain. This plan will be there to offer cover against all damages that takes place because of an accident. The plan is designed in a way that can offer cover against almost all man-made and natural calamities.
  • Third-party liability
    In the case where your vehicle accident caused damages to a third person, this plan will offer complete coverage to deal with all legal liabilities. You can also buy third-party coverage as a separate policy.
  • Personal Accidents
    In case of injuries that occur because of any car accidents, the plan will offer coverage against the entire cost of treatments and ensure that you stay healthy and lively. The plan also offers coverage to the co-passengers with a slight change in the premiums.

Key Benefits of Long Term Comprehensive Car Insurance

  • Multiple Add-on Covers
    The plan has come out with multiple options of add on covers that you can buy by paying an additional nominal premium. The options of add on covers ranging from Zero Depreciation cover to Loss of Use-Downtime Protection.
  • Limitless Claims
    HDFC Ergo is allowing customers to file a limitless claim with this car insurance plan. The company promotes drive safely and cautiously but it also not limit you when it comes to filing any claim.
  • Save up to 70 Percent
    You don’t have to pay heavy premiums, as this option has come out with up to 70 percent discount for you. These discounts will help you a lot in saving more.

Third-Party Liability Insurance

HDFC ERGO Third-Party Liability Insurance

Third-party liability insurance is basically an important insurance policy to drive legally on the roads of India. The plan is there to clear all your liabilities on your behalf. It will not provide coverage to the owner’s vehicle.

What Third-Party Liability Insurance Covers?

  • Personal Accident Cover
    Under this feature of the policy, you will be liable to get against personal accident cover for owner-driver. But for the same, the insured must have a valid driving license. You can skip this cover as well if you are already insured with any other personal accident cover.
  • Third-Party Liability
    This feature is responsible for all third party liabilities. It will be there to assist you with the necessary assistance in the hour of need.
  • Third-Party Property Damage
    This feature of the plan is liable to cover up to Rs. 7.5 lacs towards third party property damages.

Key Benefits of Third-Party Liability Insurance

  • Overnight Car-Repair Service
    The plan offers overnight repair services in case of need. With the same, you don’t have to wait for weeks to get your car repair.
  • 24*7 Assistance
    The team of HDFC ERGO is 24*7 there to assist you with your queries. You can contact them anytime to get the required assistance.
  • Paperless
    The company does not stick to old age heavy paperwork, with online transactions it makes you boundless and free.

Benefits of Choosing HDFC ERGO Car Insurance Online

It is always good to buy something from the comfort of your home without compromising on quality. HDFC ERGO is one such platform that allows customers 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 easily. With multiple options, it will become easier for you to grab the best one for yourself. It will save you from hefty paperwork and allows you to make payment through debit card/credit card, net banking, etc and take care of your personal security.

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

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

Inclusion and Exclusion of HDFC ERGO Car Insurance

HDFC ERGO Car Insurance offers multiple plans but all plans do carry some basic inclusion and exclusion stated below


  1. It offers protection against damages that occur because of fire, explosion, lightning, natural calamities (flood, earthquake, landslide, etc.).
  2. You will be liable to get the coverage against damages which is caused because of theft, burglary, house break-in, terrorism, malicious acts, etc.
  3. It will also provide coverage against transit by rail, road, air, inland waterways or lift.


  1. Damage caused by routine wear & tear, aging of the vehicle.
  2. Damage occurs by the person driving the vehicle without a valid license
  3. Any loss of damage that occurs in India
  4. Electrical/mechanical breakdown of the vehicle, depreciation or any consequential loss.

HDFC ERGO Car Insurance Premium Samples

Reg. YearCar Model VariantPremium
2019Honda City1.3 LXI Petrol (1343cc)Rs.17527
2019HONDA BRIO1.2 V MANUAL TRANSMISSION Petrol (1198cc)Rs.13905
2019MARUTI BALENO HATCHBACKDelta 1.2 Petrol (1197cc)Rs.20722
2019MARUTI CELERIOLXI AMT (998 cc)Rs.11973
2019MARUTI Vitara BrezzaLDi (1248 cc)Rs.21264

HDFC ERGO Motor Insurance Claim Process

The company is offering an easy and hassle-free claim process. The company is stick to provide ease to its customers with all the services whether it is innovative plans or a smooth claim process. The company is offering multiple forms to file a claim.

Cashless Network Garages Claim Process

For the cashless claim, the entire process is quite easier. You just have to follow the below-mentioned steps:-

  1. Locate a network garage on site of or call on toll-free number
  2. Drive your vehicle to the nearest network garage.
  3. The surveyor will access all damages and losses
  4. Fill the claim form with basic details and provide associated documents
  5. You will get all updates through SMS/Emails at every stage
  6. Once your car is ready, you must pay your share of the claim and the rest would be covered by the network garage
  7. Get the claims computation sheet with the entire break of records.

Reimbursement /Non-Network Garages Claim Process

  1. Intimate a claim through an app or a call
  2. The surveyor will access all the damages/loss
  3. Now submit the duly signed claim form along with the required documents.
  4. On receiving all documents, the claim would be processed
  5. You will get an update through SMS/Emails on every stage of the claim.
  6. Payment would be made through NEFT if opted, or through Cheque

HDFC Ergo Car Insurance - Faqs

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.

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.

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

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.

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

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Last updated on 13-11-2019