HDFC Ergo Car Insurance

HDFC Ergo Car Insurance: Your Road Companion

A car insurance policy provides coverage for losses to your vehicle caused by unanticipated incidents. It encompasses fire, burglary, theft, natural disasters, and man-made calamities such as riots, terrorism, and vandalism. Natural disasters such as floods and earthquakes can cause significant damage to your car, resulting in high repair costs. As a result, having car insurance is a good idea.

Indian highways are known for their high accident rates, which puts your car at risk of serious damage and drains your bank account. You can protect yourself from financial damage brought on by any such occurrence by getting auto insurance coverage. It’s also crucial to remember that operating a vehicle without current third-party auto insurance entails paying hefty fines to the RTO. Consequently, it is wise to secure your vehicle by purchasing or renewing auto insurance online.

But for total vehicle security, purchasing a comprehensive auto insurance coverage is advised. Additionally, you may personalize your comprehensive auto insurance coverage by choosing add-on benefits like engine gearbox protection, zero depreciation, emergency roadside help, and no claim bonus protection, among many others. For electric vehicles, you may also select add-on covers that offer covering for electric motors, accessories, and protection for your battery charger.

Choose between stand-alone own-damage, third-party, or comprehensive insurance with knowledge, and make sure you purchase or renew your auto insurance as soon as possible. A network of over 6700 cashless garages is available through HDFC ERGO, which provides the best car insurance coverage at reasonable costs.


Good news for owners of electric vehicles (EVs) from HDFC ERGO! With our insurance for electric cars, we’re launching new add-ons that are designed especially for EVs. These extras include coverage for your electric motor, protection for your battery charger and its accessories, and a special zero depreciation claim for the battery charger. You can protect your electric vehicle (EV) from potential battery damage brought on by unforeseen circumstances like floods or fires by including these coverages in your insurance policy. It makes sense to protect your electric motor and batteries, which form the foundation of your EV. You can easily add any or all three of these add-ons to your comprehensive or stand-alone own damage coverage. The optional battery charger accessories provide defense against fire and natural disaster damage, such as earthquakes and floods. The electric motor cover makes sure that the motor and other parts of your EV are covered in the event of damage. You will receive reimbursement for any depreciation upon replacing the battery, including the detachable battery, charger, and accessories, under the terms of the zero depreciation claim for the battery charger. Choose these add-on coverages to personalize your electric car insurance policy and drive with confidence. Don’t miss this opportunity.

Key Features of HDFC ERGO’s Car Insurance

Key Features Benefits
Third Party Damages Covers personal accidents, third party injuries, and property damages
Own Damage Cover Covers accidents, fire & explosion, theft, and calamities
No Claim Bonus Up to 50%
Car Insurance Premium Starts at Rs. 2,094*
Personal Accident Cover Up to Rs. 15 Lakhs*
Cashless Garages 6700+ all across India
Add-on Covers 8+ Add-on Covers

How to Calculate Car Insurance Premium

Understanding how a car insurance policy’s premium is determined is essential when purchasing or renewing one. Here’s how to calculate your auto insurance rate step-by-step.

  1. Step 1: Go to the HDFC ERGO website and select the vehicle insurance option. You can proceed by clicking on “get a quote” after entering the vehicle registration number in the box at the top of the page. If your current HDFC ERGO auto insurance policy has expired, you can still continue without a car number by clicking on renew HDFC ERGO auto insurance.
  2. Step 2: You will be prompted to enter the make and model of your car after selecting “get a quote” or “continue without the car number.”
  3. Step 3: A comprehensive car insurance plan and third-party auto insurance are the options you have to select from.
  4. Step 4: Provide information regarding the dates of expiration, no claim bonus received, and claims made under your most recent insurance policy. Enter your email address and mobile number.
  5. Step 5: Your auto insurance premium is now visible. If you’ve selected a comprehensive plan, you may further personalize it by choosing add-ons such as return to invoice, emergency support, 0% depreciation, and more.

Using the HDFC ERGO website, calculating auto insurance premiums is simple and straightforward. For your convenience, you may also use our calculator for auto insurance premiums.

Why Should You Buy HDFC ERGO’s Car Insurance Policy

  • Easy on your pocket: Our premium, with several choice offerings, is priced at ₹2094*. We provide reasonable premiums with the highest possible benefits. For instance, selecting a comprehensive auto insurance coverage allows you incentives such as a 50% no-claim bonus. Additionally, figuring out how much your auto insurance premium should be is simple using our premium calculator.
  • Cashless Assistance: The bump in the road? You may finally stop worrying about money when you are stranded in the middle of nowhere and need to get your automobile restored. Help is never too far away thanks to our extensive network of 6700+ cashless garages throughout India; they will be your ally in times of need. Furthermore, our round-the-clock roadside assistance guarantees that your automobile will always be taken care of and that assistance is only a phone call away.
  • No More Sleepless nights: Your car needs maintenance, but are you concerned about getting to work the next day? Overnight Vehicle Repairs by HDFC ERGO is here to save the day! We handle little unintentional damages or malfunctions so you may get some rest and have your automobile fixed before morning. What else could possibly mean convenience if not this?
  • Quick and Easy Claim Settlement Process: You may file claims for HDFC ERGO auto insurance fast and easily using our website. Even the claim form is available for download on our website. Additionally, you can use our website to check the status of your auto insurance claim. Our 100% claim settlement ratio record will allay your concerns regarding claims!
  • A Growing family of happy customers: We take great pride in having made over 1.5 billion happy customers, and we’re still counting. The heartfelt testimonies come from our ever-expanding client family. So put your concerns about auto insurance aside and become a member of the satisfied customers’ club!

HDFC Ergo Car Insurance: Your Road Companion


HDFC Ergo Car Insurance is designed to protect you and your vehicle from unforeseen risks on the road. Whether it’s third-party liabilities, theft, fire, natural calamities, or accidental damages – HDFC Ergo has got you covered.

Top Car Insurance Plans:

Comprehensive Plan:

  • Claims Settled: 99%
  • Premium: ₹3,489/year
  • Add-ons: Electrical Accessories, Non-electrical Accessories, External Bi Fuel Kit, Paid Driver Cover
  • Claim Benefits: Overnight Repair Service, Zero Paper Claims, Cashless Claims or 24-Hour Reimbursement, Spot Claims Up to ₹20,000

Third-Party Plan:

  • Claims Settled: 99%
  • Premium: ₹2,094/year

Limited Third-Party Plan:

  • Claims Settled: 99%
  • Premium: ₹1,994/year

Why Choose HDFC Ergo Car Insurance?

  • Smooth and hassle-free claim settlement (99% claim settlement ratio).
  • Discounts on NCB rewards, voluntary deductibles, anti-theft devices, and more.
  • Unique “Over Night Vehicle Repairs” service for quick repairs.

Types of Policies:

  1. Third Party Car Insurance:
    • Compensates for accidental death, injury, and property damage of the third person.
    • Mandatory for all car owners in India.
  2. Standalone Own Damage Car Insurance:
    • Covers damages due to theft, natural calamities, fire, etc.
    • Can be combined with third-party insurance for comprehensive coverage.
  3. Comprehensive Car Insurance:
    • Covers third-party liabilities and own damages from various incidents.
    • Offers broad coverage against accidents, natural disasters, theft, and more.

Coverage Highlights:

**Covered Risks:**

  • Third Party Liability
  • Accidental Damages
  • Theft
  • Manmade Acts (strikes, riots, terrorist activities)
  • Natural Calamities
  • Fire
  • In-Transit Damages

**Not Covered:**

  • Depreciation
  • Illegal Driving
  • Consequential Losses
  • Electrical Breakdown
  • Geographical Limit Issues

Add-ons for Enhanced Protection:

  1. NCB Protector: Safeguards your No Claim Bonus even if a claim is raised.
  2. Zero Depreciation Cover: Pays the entire claim amount without deducting depreciation.
  3. Return to Invoice Cover: Provides the current invoice value of the car in case of total loss or theft.
  4. Consumables Cover: Repairs or replaces consumable items not covered in the standard policy.
  5. Loss of Personal Belongings: Covers loss of personal items in an accident.
  6. Engine and Gearbox Protection: Financial coverage for engine and gearbox damages.
  7. Tyre Secure Cover: Compensates for tyre repair or replacement.

How to Renew HDFC Ergo Car Insurance?

  1. Visit and fill in your car details.
  2. Select HDFC Ergo car insurance plan and add any desired add-ons.
  3. Pay the premium online.
  4. Receive your policy documents via email.

How to File a Claim:

  1. Intimate the insurance provider immediately.
  2. Get your car assessed by a surveyor.
  3. Submit required documents.
  4. Send the car for repairs.
  5. Claim settlement directly with the network garage.

Documents Required for Claim:

  • Car insurance documents
  • Filled and signed claim form
  • KYC documents
  • Copy of car’s registration certificate
  • Copy of Police FIR
  • Repair bills and estimates

Frequently Asked Questions:

  • Is it mandatory to have car insurance in India?

    Yes, it is mandatory to have at least third-party car insurance in India. It covers third-party liabilities, including personal injuries, property damage, and accidental death caused by your vehicle.

  • What is the significance of add-on covers in HDFC ERGO car insurance for electric vehicles?

    Add-on covers for electric vehicles offered by HDFC ERGO include protection for the electric motor, battery charger, and its accessories. These covers safeguard against damages caused by unforeseen events like floods or fires, providing comprehensive protection for your electric vehicle.

  • Can I customize my car insurance coverage with HDFC ERGO?

    Yes, HDFC ERGO allows you to personalize your car insurance coverage. You can choose from various add-on benefits such as engine gearbox protection, zero depreciation, emergency roadside help, and no claim bonus protection, among others, to tailor your coverage according to your needs.

  • What are the key features of HDFC ERGO car insurance?

    Key features of HDFC ERGO car insurance include coverage for third-party damages, own damage cover for accidents, fire, theft, and calamities, up to 50% no claim bonus, a network of over 6700 cashless garages, and a variety of add-on covers for enhanced protection.

  • How can I calculate the premium for HDFC ERGO car insurance?

    You can calculate the premium for HDFC ERGO car insurance by visiting their website. Enter your vehicle details, choose the type of coverage (comprehensive, third-party, or standalone own damage), provide information about your previous insurance policy, and the premium will be displayed. You can further customize it with add-ons.

  • What types of car insurance plans does HDFC ERGO offer?

    HDFC ERGO offers three types of car insurance plans: Third Party Car Insurance, Standalone Own Damage Car Insurance, and Comprehensive Car Insurance. Each plan provides different levels of coverage, and you can choose the one that best suits your needs and preferences.

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