HDFC Ergo Car Insurance

For starters, purchasing or renewing your HDFC ERGO saves you the trouble of visiting a HDFC ERGO outlet, which would involve a definite expenditure of time and effort. By purchasing the policy online with your credit/debit card or using online banking, the highest measure of security as afforded to such online transactions will ensure the complete safety of your investment. Safe, fast and reliable, in one unbeatable package.

Additionally, enjoy the following benefits when you purchase the HDFC ERGO Motor Insurance online-

While there are several perks of opting to purchase or renew your HDFC ERGO Motor Insurance online as mentioned in the table above, customers can also benefit from testing out an emergent and successful technology, while parting ways from the common rat race!

The HDFC ERGO Car Insurance policy is a robust, comprehensive, scalable and cost-conscious product that affords 100% protection for your car against accidents and theft, while also giving you 100% peace of mind. In order to enhance this protective experience, HDFC ERGO puts forth a number of add-on covers that provide additional protection against conditions that might not necessarily be covered in the main policy. The available add-ons are segregated into four types-

• HDFC ERGO Car Insurance Silver plan
• HDFC ERGO Car Insurance Gold plan
• HDFC ERGO Car Insurance Platinum plan
• HDFC ERGO Car Insurance Titanium plan

Third-party liability insurance, also referred to as ‘act only’ cover, protects the vehicle owner against the third-party liabilities that may arise due to an unforeseen accident. A statutory requirement under the Motor Vehicles Act, third-party liability insurance covers the damages suffered by any person who is not involved in the insurance contract.

HDFC ERGO motor insurance plan also offers you a comprehensive liability-only insurance scheme with features like dedicated support, hassle-free claim procedures and instant online policy option.

Things covered:

A Liability Motor Insurance Policy as offered by HDFC ERGO covers the following clauses.

Things not covered:

The following incidents and clauses are excluded by HDFC ERGO Motor Insurance for a third-party liability.

• Claims that arise out of contractual liability
• Any kind of liability that is caused directly or indirectly by nuclear weapons material
• Death arising out of and during the employment period of a person under the employment of the insured beneficiary or any other person who is indemnified under this policy, or any bodily injury sustained by a third-party arising out of and in the course of employment.

Exclusions or Incidents that aren’t covered by the Policy:

• General and natural ageing that results in wear and tear.
• Damage caused to vehicle when the driver wasn’t carrying a driver’s license, and/or driving under the influence of alcohol or other mood/mind stimulating substances.
• Mechanical or electrical breakdown.
• Damage to vehicle by war, mutiny or nuclear attacks.
• Any damage to the tyres and tubes of the vehicle isn’t covered by the policy. However, if the said damage occurs as part of a bigger accident that also resulted in damage to the other part of the vehicle, then the liability of the company shall be limited to 50% of the cost of replacement.
• Depreciation in line with the market scenarios and other external conditions.
• Loss of the vehicle or damage incurred while outside India.
• Damages that are caused due to overloading or straining of the insured vehicle.
• Damage caused by the vibration or weight of the insured vehicle and/or the amount of load carried by it.

The procedures involved when raising a claim on your HDFC ERGO Motor Insurance are as follows-

• Call HDFC ERGO’s toll free number to register your claim. This applies to claims raised in relation to accidents or permanent loss due to theft.
• After the intimation, you will be provided a unique claim number that will help with all your future correspondence with HDFC ERGO Car Insurance.
• Ask the customer support’s help to locate the nearest cashless garage in case of accidents. Also, you can request for towing or ambulance services if required. Please note that if you have been involved in an accident with another vehicle, ensure that you note down the car number of the other party as well as the names and contact details of witnesses, if any.
• If there is property damage, injury, theft, major damages and/or 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 estimate, complete the claim document and attach any other necessary documents as required.
  • If the garage chosen by you isn’t listed under the HDFC ERGO network garages, then ensure that only genuine, manufacturer-approved parts as sourced from authorised retailers are used in the ensuing repairs.
• Post the repairs, and after 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 bulk of the payment will be settled by HDFC ERGO Motor Insurance with the garage.