HDFC ERGO Car Insurance, starting at Rs. 2,094*
Product highlights
Key features and benefits of the policy
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Features and benefits of HDFC ERGO Car Insurance plan
Safeguard your car with HDFC ERGO Car Insurance. Explore its benefits!
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Lower premiums
HDFC ERGO Car Insurance policy offers comprehensive coverage at low premiums. For example, third-party car insurance comes at Rs. 2,094*.
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Cashless service across 6,700+ garages
Get your car repaired at any of the specialised HDFC ERGO cashless network garages across India without paying any cash.
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Doorstep delivery
After repairing your car at the cashless garage, get it delivered to your doorstep for free within three working days.
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No Claim Bonus add-on cover
This add-on cover helps you keep your No Claim Bonus discount intact even if you raise a claim request in a policy period.
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Zero depreciation add-on cover
HDFC ERGO covers the depreciation of car parts so that you can claim for insurance without any deductions for depreciation.
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Personal accident cover
HDFC ERGO offers up to Rs. 15 lakh to the insured owner-driver in case of accidental injuries, disabilities, or death.
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Engine protection add-on cover
HDFC ERGO covers the repair/replacement cost of the car's engine. In a city with a lot of rainfall, this is an add-on you must carry.
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24x7 roadside assistance
Get 24x7 roadside assistance with this add-on cover. Call HDFC ERGO at their roadside assistance number mentioned in the policy.
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Downtime protection
You get compensation for transportation for the time when your car gets repaired at the shop.
Eligibility criteria and documents required
Anyone who fulfils the below criteria can buy HDFC ERGO Car Insurance Policy. Also, keep the below-mentioned basic information handy to buy the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle insured should have a valid registration number and certificate
Documents required
No documents required to buy the policy. Only provide the basic information while buying the policy:
- Car registration number
- Mobile number
- Residential PIN code
- Previous policy details
Step-by-step guide to buy this policy
01:15
How to apply for HDFC ERGO Car Insurance
Watch the video to know the steps to apply online and get secured in minutes.
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Step 1
Click on 'Get Quote’ button on this page to visit the online application form.
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Step 2
Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
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Step 3
Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance plans. You need to update your current policy expiry date here.
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Step 4
Choose HDFC ERGO Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
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Step 5
Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
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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.
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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.
Key inclusions and exclusions
Here is a quick look at the inclusions and exclusions under the HDFC ERGO Car Insurance policy:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Third-party liabilities | Covers damages caused to a third person’s body, property, or vehicle. |
| Accidental damage | Covers damages caused due to accidents. |
| Fire damage | Covers damages caused to the car due to fire explosion, self-ignition, or lightning. |
| Theft | You get coverage if the car gets stolen. |
| Natural and man-made calamities | Covers damages caused to the car due to both natural and man-made calamities. |
| Key exclusions | Description |
|---|---|
| Location | Does not cover any loss or damage caused to your car outside the geographical limits of India. |
| Pre-existing damages | Does not cover any damages that occurred before buying this car insurance policy. |
| Normal wear and tear | Does not cover repair or replacement costs of car parts that get damaged over time due to regular usage. |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with HDFC ERGO Car Insurance.
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Step 1 - Contact the insurer
Visit the official website of HDFC ERGO or 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 department of HDFC ERGO.
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Step 2 - Locate your nearest network garage
After registering the claim, take the car to an HDFC ERGO network garage near you. In some cases, a crew may come to take your vehicle for repairs at the network garage.
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Step 3 – Get estimated repair cost and coverage
A surveyor along with a mechanic will determine the repair cost and the coverage amount based on the applicable terms and conditions. You will get an idea about the coverage you may receive based on the estimates derived during the evaluation of damages.
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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
To reimburse your car repairing bills with HDFC ERGO Car Insurance, follow these steps.
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Step 1 - Contact the insurer
Visit the official website of HDFC ERGO or 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 department of HDFC ERGO.
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Step 2 – Repair your car at any of your preferred garages
Get your vehicle repaired at your preferred garage, pay the bills, and keep the invoices.
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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.
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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 a claim request
Here is the list of documents that you need to raise a claim request with HDFC ERGO Car 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)
Frequently asked questions
Go to the ‘My Account’ section on Bajaj Finance Insurance Mall to know the details if you have bought the HDFC ERGO policy from Bajaj Finance. You can access the policy details within 5-7 days after purchase in the ‘My Account’ section.
You can also visit HDFC ERGO’s customer support portal or download the app. Log in to your account on the HDFC ERGO app and click on ‘My Policies’ to know the policy status.
HDFC ERGO offers a comprehensive car insurance policy on Bajaj Finance Insurance Mall. Bajaj Finance recently partnered with HDFC ERGO to offer an all-inclusive car insurance policy to its customers at an affordable premium. You can avail of the HDFC ERGO Car Insurance policy that gives coverage for damages caused to the insured vehicle and third party.
You can also choose to buy a third-party car insurance policy on the HDFC ERGO website or app.
HDFC ERGO does not cover any losses or damages caused to your car outside the geographical limits of India. Any damages caused to the car before buying the policy will also not get covered in the car insurance policy. The policy does not cover damages caused to the car over time due to regular usage. Read the policy terms and conditions to know the exclusions in detail.
The coverage amount depends on the Insured Declared Value (IDV) of the vehicle. If you have modified any parts of the vehicle and wish to secure those parts, you can increase the coverage amount at a higher premium. Also, if you choose to get add-on covers on the policy, your premium and coverage will increase likewise.
