HDFC ERGO General Insurance

Buy HDFC ERGO motor insurance plans instantly with our 100% digital buy process. Benefit from the cashless and doorstep vehicle repairing services.

Buy motor insurance policies that offer comprehensive coverage for your vehicles against own damage and third-party liabilities. Premiums for car insurance start at Rs. 2,094* and for two-wheeler insurance at Rs. 538*. With a record of 90.4% claim settlement ratio, HDFC ERGO offers a hassle-free online claim settlement process.

HDFC ERGO General Insurance Company Limited is a joint venture between HDFC and ERGO international AG. The company offers a wide range of general insurance including motor, health, travel, personal accident cover and more.

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Step-by-step guide to buy HDFC ERGO General Insurance policies

  • Step 1

    Step 1

    Open our online application form.
    Click here to insure your private car.
    Click here to insure your two-wheeler.

  • Step 2

    Step 2

    Enter the vehicle type, registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.

  • Step 3

    Step 3

    Choose the IDV, NCB value, optional add-on covers, and plan type to get a list of relevant insurance policies. You need to update your current expiry date of the insurance policy here.

  • Step 4

    Step 4

    Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on Next to proceed.

  • Step 5

    Step 5

    Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.

  • Step 6

    Step 6

    Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.

  • Step 7

    Step 7

    Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment processed successfully.

    You can also access your policy details through the My Account section within 5-7 days after purchase.

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Documents required to buy the policies

You need to provide the following details to buy the HDFC ERGO motor insurance policies on Bajaj Finance Insurance Mall.

  • Registration number of the vehicle being insured
  • Registration Certificate (RC)
  • Valid driver’s licence
  • Pollution Under Control (PUC) certificate
  • Valid 10-digit mobile number
  • Name and e-mail ID of the applicant
  • Residential address and PIN code of the applicant
  • Previous policy details of the vehicle

How to raise a cashless claim

To claim the benefits of cashless claims at HDFC ERGO network garages, follow these steps:

  • Step 1 - Contact HDFC ERGO

    Step 1 - Contact HDFC ERGO

    Visit the insurer’s official website or the HDFC ERGO app. Click on ‘Claim Now’ to register your claim request. You can also call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free). Alternatively, you can write an email to the customer care team at HDFC ERGO.

  • Step 2 – Fill the claim form

    Step 2 – Fill the claim form

    Fill in the claim form with purpose of the claim. In case of accident, fill in the details along with required documents like FIR and the evidence copies of the accident. The insurer will send a surveyor to assess the vehicle damage and suggest a list of nearest network garages.

  • Step 3 – Select any of the network garages

    Step 3 – Select any of the network garages

    You can either drive your vehicle to the network garage or choose the towing service provided by the insurer.

  • Step 4 – Bill settled between HDFC ERGO and the garage

    Step 4 – Bill settled between HDFC ERGO and the garage

    The garage will repair the car and settle the bill directly with HDFC ERGO.

    You will have to pay the balance (deductibles) amount to the garage.

How to raise a reimbursement claim

Follow these steps to get reimbursement on your vehicle repair charges.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Visit the insurer’s official website or the HDFC ERGO app. Click on ‘Claim Now’ to register your claim request. You can also call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free). Alternatively, you can write an email to the customer care team at HDFC ERGO.

  • Step 2 - Repair your car at any of your preferred garages

    Step 2 - Repair your car at any of your preferred garages

    You can repair your vehicle at any of your preferred garages, pay the bills, and keep the invoices.

  • Step 3 - Submit the required documents

    Step 3 - Submit the required documents

    Upload the reimbursement claim form, the invoices, and the other necessary documents on the HDFC Ergo website or app.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    HDFC ERGO will review your claim and verify the documents to process the reimbursement as per the policy's terms and conditions.

Documents required for raising claim requests

Here is the list of documents that you need to raise a cashless and reimbursement claim request with HDFC ERGO General Insurance.

  • Copy of the car’s registration certificate (RC)
  • Copy of your driving licence
  • Policy number
  • Description of the incident and photographs of the vehicle (if possible)
  • FIR in case of theft, injuries to any third party or damage to their property
  • Original bills of car repairs (in case of reimbursement claim)

Contact HDFC ERGO General Insurance

For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:

  • Write an email at:
  • Call HDFC ERGO General at: 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free).

Frequently asked questions

What is the claim settlement ratio of HDFC ERGO?

HDFC ERGO General Insurance has a claim settlement ratio of 90.4%. The insurer offers a completely online claim settlement process.

How do I register a car Insurance claim with HDFC ERGO?

You can raise a claim with HDFC ERGO General Insurance in two ways.

  • Cashless claim facility: To avail of this benefit, get your vehicle repaired at any of the insurer’s network garages. The insurer will directly deal with the network garage and settle the bills accordingly.
  • Reimbursement claim facility: If you wish to get your vehicle repaired at any of your preferred garages, then you can apply for reimbursement. HDFC ERGO will verify the claim details and documents submitted and accordingly reimburse the amount. You will receive the payment in your registered bank account.
How do I make corrections to my HDFC ERGO policy documents?

Contact HDFC ERGO customer services to make any changes to your policy document. Call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free).

How much time does HDFC ERGO take to settle a claim?

HDFC ERGO General Insurance usually takes 15-30 days to settle the claims. The duration depends on the type of claim request made and the time taken to assess the request. For instance, a simple repair claim settlement may take around three days to get settled.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.