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 ERGO International AG & HDFC Ltd. 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.

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 protection to your vehicle and third-party liability. The plan is available at a pocket-friendly price with the cashless feature. 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 benefit. In this feature, the insurance company will pay for all the treatment expenses to ensure that you stay healthy.
  • No Claim Bonus
    For every claimless year, the company will provide no claim bonus. It will range from 5% to 50% (depending upon the insured).
  • Add-on Covers
    In this plan, all of effective add-ons are available at a nominal premium along with huge returns.

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.
  • 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 offers cover against natural calamities that includes earthquake, landslides, riots and much more. It also provides financial assistance against man-made calamities.

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 a longer period of time (not just for 1 year). This plan will offer protection to your vehicle in case of fire, earthquake, theft, etc. Moreover, it also offers cover against any third party liability in terms of death, bodily injury and 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. It is structured to offer cover against all man-made and natural calamities.
  • Third-party liability
    If your vehicle causes damage to a third person, the plan will offer complete coverage to deal with the legal liabilities. You can also buy third-party coverage as a separate policy.
  • Personal Accidents
    In the case of car accident injuries, the plan will take care of the treatment expenses and ensure that you are fit & healthy to perform your duties. 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. Examples of add-on covers include Zero Depreciation cover, Loss of Use-Downtime Protection, etc.
  • Limitless Claims
    HDFC ERGO allows its customers to file a limitless claim with this car insurance plan.
  • Save up to 70 Percent
    There is no need to shell out premiums as this option is in your sight now. This discount will boost your savings.

Third-Party Liability Insurance

HDFC ERGO Third-Party Liability Insurance

You need third-party liability insurance to drive legally on the roads of India. The main objective of this plan is to clear all your liabilities on your behalf. Unfortunately, it doesn’t offer coverage to the owner’s vehicle.

What Third-Party Liability Insurance Covers?

  • Personal Accident Cover
    This feature will offer personal accident cover for the owner/driver of the car. 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 will look after all third-party liabilities. It will be active 24*7 to entertain your queries.
  • 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
    If the need arises, this plan offers overnight repair services. With the same, you don’t have to wait for days to get your car repair.
  • 24*7 Assistance
    The team of HDFC ERGO is available 24 hours a day to assist you with your queries. You can contact them anytime to get the required assistance.
  • Paperless
    With the introduction of the online portal, papers can retire and all the documentation can be done via the internet.

Benefits of Choosing/Renewing HDFC ERGO Car Insurance Online

Quality shopping from home is a dream come true. 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 one 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

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

Cashless Services

The company carries effective car insurance policies that are liable to offer cashless services via 6800+ network garages. With the same, you don't have to pay a single penny from your pocket for the repairs.

Online Buying Option

Online Buying Option

Today, people look for convenience when they buy a product/service. Keeping this in mind, the company launched its own online portal which can be used to purchase/renew policies. Finally, buying a car policy is just a click away.

Wide Range Of Insurance Policies

Wide Range Of Insurance Policies

The company offers a wide range of car insurance policies at budget prices. Customer can choose the best among the lot. From third-party liability cover to comprehensive cover, all are available at HDFC Ergo General Insurance Company.

Unmatched Security

Unmatched Security

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

Easy Application Process

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.

Inclusions and Exclusions of HDFC ERGO Car Insurance

HDFC ERGO Car Insurance offers multiple plans and they all carry a list of inclusions and exclusions which are stated below:-


  1. It offers protection against damages that occur because of fire, explosion, lightning, natural calamities (flood/earthquake/landslide/others), etc.
  2. You will be liable to get the coverage against damages which are 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 or aging of the vehicle.
  2. Damage occurs by the person driving the vehicle without a valid license.
  3. Any loss of damage that occurs outside India.
  4. Electrical/mechanical breakdown of the vehicle, depreciation or any consequential loss.

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:-

  • No 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.
  • Protection of No Claim Bonus: 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 your ‘No Claim Bonus’. With this protection, this will not happen.
  • 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, your car won’t start because of 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.
  • Downtime Claim: When your car is on a date with a 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.

Which Factors Can Have An Affect On Car Insurance Premium?

Years Added To Your Car

There is a simple logic in the car industry. With each year added to your car, its market value will decrease accordingly. Why? You have to blame depreciation for that.

Association With Security Systems

If your car is full of security gadgets, the insurer will make a note of it and make some deductions in the premium.

Type Of Fuel

A premium for a car running on CNG/Diesel is more than that of a petrol car.

Role Of The Coverage

Comprehensive car insurance takes care of more risks so, its premium will be higher than third-party insurance.

How to renew HDFC ERGO insurance?

  • Scroll up to our quote section which is pasted at the top of this page.
  • Fill all the necessary details and click on ‘Continue’.
  • Go through the quotes and select the one which suits you the best.
  • Make the payment.
  • If you face any issue, feel free to have a chat with our experts.

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 proud to offer an easy and worry-free claim process. The company is dedicated to providing ease to its customers with all the services (whether it is an innovative plan or a smooth claim process). The company is offering multiple forms to file a claim as well.

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. Log on to or call toll-free number to locate a network garage.
  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 daily updates through SMS/Emails.
  6. Once the repairs are done, you have to pay your share of the claim. The network garage will take care of the rest.
  7. You will get a computation sheet of claims with a 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.
  3. 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 30-12-2019