HDFC Ergo Car Insurance 2022: Benefits, Coverages, Renewal & More

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HDFC Ergo Car Insurance 2022: Car insurance is a contract between a car owner and an insurance company where the latter agrees to protect the car owner from financial loss that may occur due to an unfortunate incident involving their car. There are three types of car insurance policies offered by HDFC ERGO, these are  Third-Party Car Insurance, Standalone Own-Damage (OD) Car Insurance, and Comprehensive Car Insurance.

It is also known as vehicle insurance or motor insurance which provides financial security to you and your four wheeler against any damage caused by accident, theft and third party person or property. As per the road traffic rules in India as prescribed under the Motor Vehicles Act, 1988, it is mandatory to have insurance coverage for your vehicle. Today in this article we will share with you HDFC Ergo Car Insurance: Benefits, Coverages, Renewal & More.

What is HDFC Ergo Car Insurance?

HDFC Ergo Insurance is a collaboration between HDFC Ltd and ERGO International AG offering a full range of insurance products for health, home, travel, motor, accident, property, liability insurance and marine etc. With over 120+ branches in 106+ cities, HDFC ERGO offers its customers unmatched services and protection against life’s uncertainties. HDFC ERGO also received iAAA rating for being one of the highest claims paying insurance companies.

READ ALSO:- HDFC Home Loan Interest Rates 2022

HDFC Ergo Car Insurance: Key Features & Benefites

There are some key features & benefits of HDFC Ergo Insurance –

Key Features Benefits
Third Party Insurance Covers personal accidents, third party injuries, and property damages
Car Insurance Premium Starts at Rs.2,094/-
Own Damage Cover Covers accidents, fire & explosion, theft, and calamities
Personal Accident Cover Up to Rs.15 lakhs
Add-on Covers 6 Add-on Covers
No Claim Bonus Up to 50%
Cashless Garages 8300+ all across India

Types of HDFC Ergo Car Insurance

There are 04 types of insurance plans offered by HDFC Ergo – 

  • 1. Third-party Insurance
  • 2. Comprehensive Insurance
  • 3. Standalone Own Damage Cover
  • 4. Cover For Brand New Car

1. Third-party Insurance

As set out in the Motor Vehicles Act 1988, third party car insurance is a compulsory cover and all motorists must be insured against their liability to other persons or property. Third party insurance is a cover that protects you from liability arising from loss, injury or damage to a third party. It may be the same person or third party property that has been damaged by your vehicle.

2. Comprehensive Insurance

Comprehensive insurance gives your vehicle the much-needed all-round protection that gives you comprehensive coverage against a barrage of risks, including loss or damage caused by natural calamities, theft, accidents, fire, etc. Not only this, comprehensive insurance gives you the added benefit of cover against third party liability.

3. Standalone Own Damage Cover

A third-party car insurance policy is the minimum to meet regulatory insurance requirements, but it only protects you from legal and financial liability for damage to other people and their cars.

4. Cover For Brand New Car

This cover offers 1 year coverage against damage to your own vehicle and 3 years coverage against damage to third party persons/property.

How To Buy HDFC Ergo Car Insurance Policy?

  • Visit the official website of insurance provider’s.
  • Fill in the details such as your car registration number, mobile number, email, etc.
  • Enter the policy details and add-on on the cover you want to choose.
  • Complete the process by paying the premium amount through an online payment.
  • You can set a payment schedule monthly or yearly to pay the premium.
  • A confirmation mail with policy will be mailed to you.
  • Now keep the documents for your further use.

How To Renew HDFC Ergo Car Insurance Policy?

To renew your car insurance policy please follow these simple steps –

  • Visit the official website of insurance provider’s.
  • Enter your policy number, car registration number, mobile number, email.
  • Now choose the add-on cover you want to include or exclude.
  • Pay the premium amount through an online payment.
  • A renewed policy will be mailed to you.

HDFC Ergo Car Insurance Contact Number

  • Whatsapp Service:- 8169500500
  • Servicing Related:- 0226234234/012062346234
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