HDFC ERGO Car Insurance Price List In India 2024

Updated On: 2023-03-29

Author : Team Policybachat

HDFC ERGO General Insurance Co. Ltd. is a joint enterprise between ERGO International AG and HDFC Ltd. This is the first leading general insurer that initiated product customization for both rural and corporate sector. HDFC Ergo General Insurance Company is one of the most trusted and admired general insurance companies in India. The cost of HDFC ERGO car insurance varies depending on the type of policy that you choose to buy.

HDFC ERGO offers a wide range of effective car insurance products which can be helpful in dealing with different types of situations on road. So if you own a car, you can buy HDFC Ergo car insurance policy without any second thought. Investing in a motor insurance with HDFC Ergo Insurance will be a perfect decision for you.

HDFC ERGO car insurance policy protects you from various unforeseen risks that could damage your car or lead to claims from third parties during accidents. It also helps in substantially lowering down the costs to be incurred on repairs or replacement of your car's parts.

Why Buy HDFC ERGO Car Insurance?

Buying a four-wheeler is not only the primary; timely insurance is the ultimate factor to secure you from unfortunate damages. This is because of increases in accidental hazards on roads; this might cause damage to your vehicle, third party, and personal accidents. To avoid all the unfortunate cases an insurance policy is mandatory to secure. A car insurance policy is mandatory to get rid of huge financial losses like theft, vandalism

HDFC ERGO offers third-party damage cover, personal liability cover, and accidental coverage to ensure all-around protection. Buying a car insurance policy also ensures you a legal lawsuit in case of any discrepancies.

  • ISO certification for policy issuance, customer servicing and seamless information security processes
  • ICRA recognized IAAA rating and highest claim-paying ability
  • Overnight car repair services
  • 1 crore+ secured and satisfied customers
  • Upgraded Policies and plans to cover most risks your car may be subjected to
  • Paperless and time-saving online transactions option
  • Excellent automated and round the clock customer support
  • 24*7 customer support helpline
  • Cashless claim settlement at over 6,800 network garages.

Benefits & Features of HDFC ERGO Car Insurance Policy:

Coverage against losses/damages to your car due to:
  • Accidents
  • Burglary
  • Theft
  • Explosion
  • Fire
  • Lightning
  • terrorist acts
  • riots
  • Earthquake
  • Flood
  • Third-party liabilities.
Network Garages 6800+
Third Party Liability You can get third party liability cover up to maximum of 7.5 lakhs.
  • Social
  • Domestic
  • Professional purpose.
  • No Claim Bonus
  • Ant-theft Devices
Claim Settlement process Hassle-free claim settlement, instant renewal and get free quotes.
Personal Accident Cover Available up to Rs. 15 Lakh
Claim Settlement Ratio 91.23%
Paperless process No lengthy documentation process for buying HDFC ERGO car insurance policy
Trust ensured HDFC insurance policy is trusted by millions of people, over 75 Lakhs happy customers. HDFC ERGO insurance highest claim settlement ratio indicates by ICRA.
Insured Declared Value The insured declared value of the vehicle is calculated by depreciation from the selling price of the vehicle by the dealer. IDV is the maximum amount where an insurer has to pay at the time of total loss.
Support Assistance Reach HDFC ERGO Customer Care Service Number: 022 - 62346234 / 0120 - 62346234 or email us:

HDFC ERGO Car Insurance Add-ons Covers:

Get recommended add-ons for your comprehensive HDFC motor insurance policy for extensive coverage and hassle-free claims. Lower your risk of the financial burden by including the possible add-ons.

Zero depreciation cover: Claim settlement made without taking depreciation into account

Engine & gearbox protection: HDFC insurance policy protects your car against damage to your engine/gearbox against unforeseen circumstances like floods, adverse weather conditions, etc.

No claim bonus protection: A policyholder can avail discount on current car insurance renewal due to successful no claim in the preceding year. No claim bonus also increased for every successful no claim till 5 years up to 50%.

Roadside assistance: HDFC Roadside Assistance add-on cover helps you to get assistance in case of a mechanical or electrical breakdown in highways or at late nights Roadside Assistance is used. Roadside assistance service includes towing service, emergency fuel filling, tire replacement, battery jump-start, minor repairs at the spot, and alternate vehicle accommodation.

Key lock replacement: HDFC ERGO key lock replacement add-on helps you in assisting new key in case of loss of key, key misplacement or stolen.

What is Covered?

  • Physical Injury
  • Death of an Individual
  • Damage to the Property
  • Personal Accident Cover
  • Comprehensive Car Insurance policy covers accidents, natural/man-made calamities, fire and explosion, theft, etc.

What is Not Covered?

  • Depreciation
  • Electrical and Mechanical Breakdowns
  • Illegal driving
  • Consequential losses
  • Incorrect Usage
  • Geographical Limitation.

Types of HDFC ERGO Car Insurance Plans in India:

HDFC ERGO provides a wide range of car insurance plans such as comprehensive car insurance, standalone own damage, long term comprehensive car insurance and third party liability car insurance.

  1. Comprehensive Car Insurance
  2. Third-party Car Insurance
  3. Standalone Own Damage Cover
  4. Private Car Bundle Policy
1.) Comprehensive Car Insurance:

Comprehensive covers any damage caused to the insured’s vehicle as well as other vehicles or property due to an accident or theft.

  • Accident
  • Personal Accident Cover
  • Natural calamities
  • Third-party liability
  • Choice of Add-ons
  • Theft.
2.) Third-Party Car Insurance:

The mandatory coverage as per the Motor Vehicles Act, 1988, the policy is needed if you want to drive your car on Indian roads.

  • Injury to a third-party person
  • Personal Accident Cover
  • Third-party property damage.
Engine Capacity Premium of Existing Car
Less than 1000cc 2044 5465
Above 1000cc but less than 1500cc 2456 8456
More than 1500cc 7453 23557
3.) Standalone Own Damage Cover:

A unique policy available only when you have third party coverage already on the car. This policy would cover only the damages that your car suffers.

  • Accident
  • Natural Calamities
  • Fire
  • Choice of Add-ons
  • Theft.
4.) Private Car Bundle Policy:

A combination policy that allows third party coverage for 3 years and own damage coverage for one year. The policy is available for new cars only.

  • Accident by external means
  • Burglary, housebreaking or theft
  • Fire, explosion, self-ignition, lightning
  • Terrorism, riots, strikes, malicious acts
  • Transit by road, rail, inland waterways, air or lift
  • Earthquake, flood, storm, landslide or rockslide
  • Liability to Third Parties
  • Personal Accident Cover for Owner-Driver.

You can download HDFC ERGO private car insurance policy wordings from our website where you can buy car insurance online with better understanding which suits you the best.

How to Calculate HDFC ERGO Car Insurance Premium?

  • Make Model and Variant of the Car
  • Year of registration
  • Geographical location
  • Fuel type
  • No Claim Bonus
  • Add-ons selected
  • Type of Policy
  • Policy discounts
  • Tenure of the plan
  • Insured Declared Plan.

How to Renew HDFC ERGO Car Insurance Online?

  • You can renew your HDFC Ergo car insurance online policies at company’s official website.
  • First, select on ‘Motor Insurance’ tab and then click on ‘renew’ tab to initiate your HDFC Ergo car insurance renewal process.
  • After that, enter policy details and click on ‘Renew Policy’ for instant HDFC Ergo car insurance online renewal.
  • Thereafter, you will be diverted to the premium payment page. Pay the premium digitally for the successful completion of your HDFC Ergo Insurance car policy renewal.
  • Once you have done the payment online, you will receive an authentication mail in your registered mail id.
  • Last and final step of HDFC Ergo car insurance renewal is you have to save or print the receipt of premium deposit for future use.

With PolicyBachat:

Car insurance for 18 year old insurance can be renewed online by visiting the website PolicyBachat first and then selecting a suitable insurance company. It’s worth noting that each insurance company’s renewal process may differ slightly. The following is a step-by-step guide to renewing an insurance policy online:

Step 1: log in to PolicyBachat.

Step 2: Choose a policy that is about to expire or has already expired.

Step 3: Select the coverage you require and click “Renew.”

Step 4: Read the insurance policy’s inclusions and exclusions, as well as the terms and conditions. Also, make sure to read the small print.

Step 5: Pay for the policy and receive it at your registered email address.

How to Buy HDFC ERGO Car Insurance Online?

Car insurance can be purchased online from the PolicyBachat portal in two easy steps. At PolicyBachat we cater unbiased comparison of quotes, 24*7 customer assistance team your motive is to give our customers the right quotes with compare car insurance rates online.

You have the option to purchase this cover via the online mode or the offline mode while buying or renewing your car insurance policy. You can buy a by following the below mentioned steps.

  • Go to compare car insurance quotes online at
  • Fill in the required details select your Car Model & Variant, RTO Location, Registration date, and Email address.
  • Click on the “START SAVING MONEY”.
  • Choose a Comprehensive Insurance plan.
  • Premiums with different insurance companies are displayed with low premiums.
  • Select the add-on cover from the available Add-ons
  • After that fill in the ‘vehicle owner details and personal details.
  • Purchase best Car Insurance Policy using online payment
  • If any queries are raised call: 1800–123–4003.

HDFC ERGO Car Insurance Claim Process:

Required steps and supporting documents:

a) In case of Car Accident claim
  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
b) In case of Car Theft Claim
  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police
c) In case of Third Party Claims
  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  1. The first things to make a claim is to call on HDFC ERGO General Insurance’s Toll-Free Helpline number – 022/0120-6234 6234
  2. Take appointment with the surveyor and take your vehicle to any of HDFC ERGO General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  3. Company confirms liability
  4. If possible, opt for cashless garage facility; the company will settle the repair bills directly with the garage up to the amount payable
  5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
  6. Vehicle Delivery

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