6 Reasons why HDFC ERGO's car insurance should be your first choice
- Upto 70% off on premium : Maximize your savings with discounts on the Own Damage (OD) Premium that may sound unbelievable.
- 8000+ cashless garages : No matter where you are their wide network of cashless garages are at your service anywhere across India.
- Overnight Repair Service : In the case of an unfortunate accident, it is just a matter of dusk to dawn and your car will be back in shape ready for use, thanks to their network of automobile repairers.
- Affordable Car Insurance : Premium starting as low around ₹2,100…Easy on your pocket with all rounded coverage! Need we say more?
- 24x7 Roadside assistance : Stranded in the middle of nowhere with a flat tyre or after a minor accident? Help is just a call away!
- Get Instant Car Insurance Quote for your New and Used cars: Ditch the endless paperwork and arduous procedures, and get instant quote for your car within a few clicks. HDFC Ergo simplifies car insurance for you!!
The perfect companion to your car insurance - Add On Covers
HDFC Ergo offers a comprehensive set of add ons for their customers to choose from while availing Motor Insurance…these include Zero Depreciation, No Claim Bonus Protection, Emergency Assistance, Return to Invoice, Engine and Gear Box Protector, Downtime Protection...A look at these below:
Zero Depreciation Cover - Insurance for Vehicle
A car’s value starts spiralling south as soon as it exits the showroom. But don’t be disheartened, a zero-depreciation add on cover will be saviour in such a scenario. This add on cover will help protect your finances in case of a claim due to physical damages to your car. It is recommended for new and premium cars since it helps to decrease the expenditures involving losses.
No Claim Bonus Protection - Car Insurance Renewal
We all like being rewarded for doing the right thing, and a no claim bonus is just that, your reward for being a good driver and having a claim free year. However, even a single claim, no matter how small it is may reduce your NCB to zero. But, by opting for a NCB protection cover with your car insurance policy, you can continue to retain the benefits earned for a longer time.
Emergency Assistance Cover - Car Insurance Claim
It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that a friend in need. With 24X7 emergency assistance services like refuelling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your car suddenly breaks down in the middle of nowhere.
Return to Invoice - Insurance Policy of Car
Your car getting damaged beyond repair or stolen would be your worst nightmare come true. But not all is bleak, the return to invoice add on is particularly helpful to recover financial losses when your car is damaged beyond repair. With this cover, you can get the original invoice value of your car including road tax and registration fees which you paid while purchasing the insurance policy in case of a total loss. It allows you to bridge the gap between the declared insurance value and the actual invoice value of the car.
Engine and Gearbox Protector
Your car engine is the heart of your car and it is crucial to take utmost care of it. But just caring for engine is not enough, it needs ample protection too, the engine getting damaged due to any reason can spell big spends that will in turn burn a hole in your pocket. The engine protect cover becomes crucial to safeguard this vital part of your car from prospective damages and the resultant repair costs that can be steep.
Loss of Use – Downtime Protection
Accidents and breakdowns occur unannounced leaving you with a car in the garage and without any mode of transport. And while your car insurance covers the repairs, the additional cost of commuting by a cab or alternative transport can leave your wallet lighter. This cover aids you with a pre-decided daily amount to offset any inconveniences faced by you while your car undergoes repair.
Make a Claim the Quick and Easy way
Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries...
| Step 1 - Register for car insurance claim |
Ditch the paperwork! Register your claim and share required documents online. |
| Step 2 - Digital Inspection or Self Inspection by surveyor |
One can opt for self-inspection or an app enabled digital inspection by a surveyor or workshop partner. |
| Step 3 - Track Insurance Claim status |
Relax and keep track of your claim status through the claim tracker. |
| Step 4 - Settle when claim is approved |
Take it easy while your claim is approved and settled with the network garage! With their 8000+ cashless garages pan India, worrying about cash to fix your car is a thing of the past! |
HDFC Ergo Comprehensive Car Policy Inclusions and Exclusions
What is covered?
Accidents
Been in a car accident? Keep calm, we cover damages your car sustains in an accident.
Fire & Explosion
We won't let a fire or an explosion burn your finances to ashes, be rest assured your car is covered.
Theft
Your car getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.
Natural Calamities
Calamities can wreak havoc and your car is not immune to them, but your finances are!
Personal Accident
Your safety is our priority, in case of injuries due to a car accident we cover your treatment charges.
Third Party Liability
We cover damages to a third party property or injuries sustained by a third party person through our third party insurance feature.
What is Not Covered?
Depreciation
The policy does not cover general wear and tear or depreciation in the value of your car.
Electrical & Mechanical Breakdown
Electrical or mechanical breakdowns of any nature are uncovered.
Illegal Driving
Driving under the influence of drugs or alcohol or not possessing a valid driving license is neither cool nor covered.
