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HDFC Ergo Car Insurance Overview:
Car holder pays premiums towards a policy with an insurance company. At the time of an accident, the company reimburses the charge of the damages incurred.
Car insurance is essentially a policy buy by the car owner to mitigate costs incurred due to an accident that damages the vehicle or to protect against car theft.
A comprehensive car insurance policy provides for third-party liability, property damages, and medical expenses.
It is compulsory for vehicle holder to have at least third-party liability insurance; however, some prefer to purchase additional insurance to ensure further protection.
HDFC ERGO General Insurance Company Ltd. is a 74:26 joint period between HDFC Ltd., India’s premier housing finance institution and ERGO International AG, the primary insurance entity of Munich Re Group.
HDFC ERGO provides the complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like property, Marine, and liability insurance in the corporate space.
Inclusion HDFC Ergo Car Insurance:
Cover against casualty caused by theft, burglary, house break-in, terrorism, malicious acts.
Protection against accident dies to fire, explosion, lightning, natural calamities (flood earthquake, landslide, etc).
Protection against any injury caused during transit by rail, road, air, inland waterways or lift.
Also read: National Car insurance
Exclusion HDFC Ergo Car Insurance:
Casualty caused by routine wear and tear, ageing of the vehicle.
Any loss of injury occurring outside India.
Electrical/ mechanical loss of the vehicle, depreciation or any consequential loss.
Casualty caused by routine wear and tear, ageing or the vehicle.
HDFC Ergo Car Insurance Highlights:
|Third Party Cover||Up to 7.5 L|
|Cashless Network Garages||3400+|
|Incurred Claim Ratio||89.43%|
|Net Earned Premium||722.19|
|Covers Provided||Basic Cover, Roadside Assistance, Depreciation Cover.|
Features and benefits:
- The HDFC Ergo Car Insurance plan can be bought online instantly.
- Liability to the third party- These insurance plans offer the legal liabilities that arise out of an damage or death of a third party or property.
- Personal Accident insurance provides for Driver or Owner-This HDFC Ergo Car Insurance plan provides compulsion personal accident insurance offers of Rs 2 lacs covering accident death and permanent disability.
- Loss or injury to the car caused due to any of the following – accident by external means, burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riot, Transit by road, rail, air etc, earthquake, flood etc.
- The insurance coverage of the vehicle in the HDFC ERGO Car Insurance plan would depend on its insured declared value which would be maximum amount payable when a claim is made for total loss/ Theft.
- HDFC ERGO Car Insurance premium amount shall be a concern by a lot of factors in this plan- Sum insured, vehicle type, vehicle’s age, Place o registration, and fuel type.
- Add on plans to improve car insurance coverage- A comprehensive HDFC ERGO Car Insurance plan aimed at optimizing insurance coverage.
Easy Steps To Apply for HDFC ERGO Car Insurance Online:
With HDFC ERGO, purchasing an insurance policy online is hassle-free and instantaneous. Just log on to their website and classifies these steps:
- Fill out the online form to get a rough valuation of the premium payable for the type of insurance policy that you have chosen.
- Fill in your individual details.
- If you are happy with the refer to, initiate the payment process online and you will receive your car insurance policy in a matter of minutes.
- The policy document can then be downloaded online.
Also read: National Two Wheeler Insurance
HDFC ERGO Car Insurance Plans:
HDFC ERGO Car Insurance offers comprehensive insurance coverage and full value of money.
There are four types of HDFC Ergo Insurance plans.
They are classified as below:
- Silver Policy:
A silver plan covers additional zero depreciation feature.
It means you will get the full amount of Claim amount for own damage without any depreciation deductions.
This add-on cover doesn’t cover tires and batteries.
- Gold Policy:
The gold plan offers additional loss of use or downtime protection, zero depreciation feature.
- Platinum Policy:
The platinum plan covers no claim bonus protection, engine and gearbox protection, zero depreciation.
- Titanium Policy:
Titanium plan offers consumable expenses, zero depreciation, Gearbox, and engine.
Why Choose HDFC Ergo Car Insurance?
A pleasing amalgamation of customer comfort, professionalism, and robust features.
HDFC ERGO Car Insurance is one of the best such insurance policies that you can buy in India.
Covering such friendly options as cashless claim in over 3400+ network garages across the county, instant online policy issue, professional 24*7 customer support and a plethora of other benefits, has rapidly acquired a staunch fan following and continues to impress year-on-year with regards to the car insurance from HDFC ERGO.
All situations pertaining to the safety of your car and the passengers inside, alongside possible damage, injury or death to a third party, is taken into serious consideration and dealt in terms of a well-rounded, comprehensive and scalable policy.
HDFC ERGO Car Insurance id the subset of HDFC ERGO General Insurance Company, a progeny of two immensely respected and influential insurance concerns.
HDFC Ltd is one of India ’s premier housing finance institution (74% stake) while ERGO international AG (26% stake) is the insurance wing of the Munich Re Group.
HDFC ERGO General Insurance Prides itself at Beijing the 4th biggest private sector general insurance company in India, with 1700+ employees working in 104 branches across 87 cities.
|Comprehensive Cover||Third Party Liability|
|Covers damage of an insured vehicle.||Covers damage caused to third party person or property.|
|Covers third party liability.||Does not covers damages caused to your vehicle.|
|Covers damages caused due to natural calamities.||Does not cover damages caused due to natural calamities.|
|Offers Personal accident cover.||Covers personal accident cover to the third party person only.|
|Covers loss due to theft or burglary.||Does not a loss due to theft or burglary.|
|Allows you to add optional covers for widening the coverage.||Does not allow you to add optional covers.|
Also check out our blog on Car Insurance Calculator
Why Do I Need Car Insurance HDFC Ergo?
- Saving Time When Accidents Happen:
Casualty is stressful on their own without having to deal with the question of ‘What next?’ With your car insurance, comes your insure’s expertise in handling these tense situations.
Walking you through the claims process, helping you find a good garage and setting your claim on time- things that you will be thankful for when dealing with the aftermath of an unfortunate road accident.
- Pay Little Today, Save Big Tomorrow:
According to recent valuation, every 6th car crash in the world happens in India.
This is stable odds and a likely indication that your car could very well end up on the side of the road one of these days, after a brutal crash that could have resulted in injury, death and of course, massive losses in term of repairs and replacements for your car.
- A Supplement for your Health Insurance:
Most Car Insurance policies cover coverage for injuries that might be sustained by you and your fellow passengers as a result of your vehicle’s accident.
If not personal accident protection can be bought as an add-on feature.
This Law as a powerful supplement to your health insurance-additionally covering for items that might not be covered by your health policy, including specialist care for the accident-related injuries, dental repairs, funeral costs etc.
- It’s the Law:
Under the provisions of the Motor Vehicles Act of India, all vehicle that operates in public places must have a car insurance policy as a mandatory document.
At the very least, the policy must provide third-party liability.
Also read: Two Wheeler Insurance Online
Third Party Liability only Insurance:
Once you hit the roads you are bound to drive aware following all the rules and traffic regulations.
What if you accidentally lose control or make a wrong move and end up hitting another vehicle or a person on the road?
Such an injury may hamper the physical well-being of the person or damage the other vehicle completely.
Under such condition meeting the medical cost of the other driver’s vehicle or meeting his/her.
Vehicle repair costs may lead to financial loss.
To ignore such a financial loss and stressful situation, It’s always safe to opt for Third Party Liability only policy.
HDFC ERGO provides Third Party Liability only policy to safeguard you from unexpected and unforeseen cost.
It provides cover against all kinds of vehicles- personal as well as commercial, for smooth driving cost on the road.
By the act, it is mandatory to opt for a Third Party Liability Only Policy before hitting the roads.
Why choose HDFC ERGO Third Party Liability only Insurance?
- Argent approval for the claim.
- Evaluate claim approval for a claim within 24 hours, of vehicle reaching the garage.
- Purchase online for added convenience.
- Wherever you go. Bring your vehicle co on your fingertips.
- 24×7 Support.
- HDFC ERGO cover round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an email to:
- Believe by Millions.
- With over 75 lakhs happy owner. HDFC ERGO is a recognized brand for taking care of yours. insurance required. The brand has been assigned ’Jaa’ rating by ICRA indicating its highest claim paying ability.
- Fair and transparent claim settlement policies.
- HDFC ERGO Motor insurance claims are decided with utmost transparency.
Also read: Two Wheeler Insurance Renewal
HDFC Ergo Third Party Car Insurance Online
- Personal Accident Cover:
Under this policy, your liabilities towards third parties for an accident, permanent total disability, death and property damage arising due to an accident included your vehicle gets covered.
- Third Party Legal Liability:
HDFC ERGO motor Liability Insurance covers compulsory Personal Accident cover of Rs. 1 lac for the accidental death of the insured vehicle owner/driver and permanent total disability of the insured vehicle owner/driver.
HDFC Ergo Car Insurance Renewal:
You have spent a lot to buy your beloved car and to ensure it remains protected against possible threats; it’s advisable to opt for a car insurance policy.
This help in keeping the Financial worries at buying and allows you to drive with a complete peace of mine.
Though most of us buy a car insurance policy quite promptly, it is observed that we often fail to renew our policies.
Though most of us buy a car insurance policy quite promptly, it is observed that we often fail to rebirth our policies.
Selecting an online renewal process is the best way as you can save time; It’s easy and useful too.
To know how to renew car insurance read the mentioned steps:
Easy ways to rebirth the policy: Car Insurance Renewal Procedure is a very simple and easy task to perform.
Just by specified simple steps, you can easily renew your policy. Call www.hdfc ergo car insurance www.hdfcergo.com and click on “Instant Renewal”.
Enter your policy details.
HDFC Ergo Car Insurance Renewal Premium Calculator:
Look for add-on provides to enhance your coverage for securing your car.
Fill the details and your premium for rebirth shall get generated.
Make the payment and renewal for your coverage for securing your car.
Renewal of Expired Car Insurance:
Missing out on renewals may lead you in legal trouble and continuous benefit of no claim bonus.
Worried about the inspection, post expiry! Now HDFC ERGO has designed self-inspection applications.
Which helps you in clicking image and record videos of your car and send it for inspection.
Basic inspection saves time and helps in quick policy issuance within an hour.
HDFC ERGO Car Insurance Review Plans:
Buying a car is a long-term investment.
We generally give a lot of thought and research to the model and make of the car we want to buy.
Somehow, buying insurance for the same car is not given much importance.
But experts suggest that you should research well and choose a car insurance that provides protection to your vehicle from any unforeseen situations.
It is advised that you look out for car insurance best reviews so as to take the right call on selecting your policy.
HDFC ERGO is an insurance provider which provides the best car insurance policy.
The seamless assistance covered by the company round the can easily put your worries at ease and make you feel you are not alone in the event of a mishap.
HDFC ERGO car insurance reviews say that is one of the leading car insurance covers in the market.
It is HDFC ERGO General Insurance Company Ltd Customer care number for car insurance is 1800 2700 700.
working on how to up its game in the insurance market by coming up with excellent discount offers. Effective claim quality repairs, and services all across the nation. Moreover, it gives unlimited claims settlement in one policy year.
Also read: Two Wheeler Insurance Online
HDFC Ergo Car Insurance Premium Calculator:
The wisest thing which any individual can do pertaining to their car is to safeguard it through Car Insurance.
The process of purchasing good car insurance is wearisome to some and therefore one must look for avenues and options that will make the process a bit easier for us. One of the foremost concerns of the cardholders is to ascertain the cost that they have to incur for maintaining their policy. Getting specific and unambiguous answers to our seemingly straightforward question is essence here.
Benefits of online car insurance calculator:
Using an online insurance calculator above buying insurance makes the process easy and convenient for you.
- It lets you make a comparison of premiums cost and lets you choose the best plan.
- It lets you look at how changing the variables can change the cost of insurance.
- It lets you see how changing the variables can change the charge of Insurance.
How To Use HDFC Ergo Car Insurance Premium Calculator Online?
It is an online help available on the website of most insurance provider’s website on the basis of information provided by them.
For exact insurance calculation, the customer is needed to fill in the appropriate details which include registration date of the car, car details, model and make.
Date o insurance and any other extra coverage if required. It also enables you to compare two or coverage you choose, the higher will be your rates of premium.
- Premium calculation for new cars.
- Premium calculation for old cars.
How to claim HDFC Ergo Car Insurance?
Call HDFC ERGO’s toll-free number toll record your claim. This covers to claims raised in relation to accidents or permanent loss due to theft.
Below the intimation, you will be provided with a unique claim number that will help with all your future correspondence with HDFC ERGO Car Insurance.
Tell the customer support’s help to locate the nearest cashless garage in case of accidents. Also, you can appeal for towing or ambulance services if required.
Important- If involved in an damage with another vehicle, endure that you note down the latter’s number as well as the names and contact details of witnesses if any.
If there is property damage, injury, theft, major damages, and third-party injury, damage or death report the incident to the nearest police station and file an FIR.
Back at the network garage, get a repair valuation, complete the claim document and attach any other necessary documents as required.
If the garage selected by you isn’t listed under the HDFC ERGO network garages, then ensure that only genuine, manufacturer approved parts, as sourced from authorized retailers, are used in the ensuing repairs.
Post the repairs, and below the same has been completed to your full satisfaction, pay only for all the non-accident related repairs, depreciation, additional fittings and other small deductibles.
The amount of the payment will be settled by HDFC ERGO Motor insurance with the garage.
Claim for own Damage:
Inform the insurer quick.
Record a claim and if needed by the insurer, you may have to report the incident in the local police station.
Do not try to move the car unless confirmed by the insurer.
If it is a minor injury that does not require police intervention, move the car to a safe location and inform the insurer.
Raise a car insurance claim after assessing the injury.
Upon authorization by the representing surveyor, the claimant can proceed with the repair and replacement work.
Third Party Car Insurance Claim:
If the disaster involving your car resulting in damage or casualty to a third party that requires medical attention.
Shift the casualty to a nearby medical facility immediately and call the insurer.
The agent will instruct you further on the action points.
Report to the official police and insist on an FIR.
Call the insurer quick and inform them about theft. You will be asked to provide a written complaint in the form of an email or a letter.
Referring to the original policy document will help you in getting aware of the timelines and procedures.
Also read: Car Insurance Calculator
HDFC Ergo Car Insurance Customer Care Service:
HDFC ERGO General Insurance Company Ltd Customer care number for car insurance is 1800 2700 700.
You can influence the customer service team at this number or at the email id, care@hdfcergo, com.
You can appeal for a call back from the insurer by filling up an online form and submitting it.
You can also walk into the branch office of the insurance company and request for clarifications or resolutions to issues.
You will be adept to find the nearest office by using the branch locator facility on the insurer’s website.
You will have to choose the state and city and search for the office closest to you.
The website also covers you to search for network garages that are affiliated to the insurer where you can receive cashless claim facility.
You will have to choose the state, city, and make of the car to see the list of garages.
Get your car insurance now.