HDFC ERGO Car Insurance Renewal Online 2024

Updated On: 2023-03-30

Author : Team Policybachat

If you aren't paying for car insurance on your vehicle, then driving a long could cost you. Not only are you breaking the law and putting yourself at risk of penalties, but also your car insurance might not cover certain costs in case of an accident.  More than 450,000 accidents happen on Indian roads every year and often times result in significant damages of vehicles.

To make sure your claim amount isn't lost due to an accident, it is highly recommended to renew the car insurance at appropriate intervals. HDFC ERGO policyholders will get a reminder for renewal with the automated service; there's no need to wait until the last minute to find out if anything needs be done. If you use the company HDFC ERGO for car insurance, it's easy to make all of your necessary arrangements and get a quote, by simply logging on to their site.

HDFC ERGO provides quick and easy policy renewal procedures that reduce the hassle involved. The car insurance policy also takes care of any damages your vehicle might suffer, and has a third-party expense coverage as well.

3 Main Reasons to Renew your HDFC ERGO Car Insurance Policy:

  • Loss of Insurance Protection
  • Financial Loss in case of accidents
  • Driving with expired insurance is illegal.

Why HDFC ERGO Car Insurance Renewal is Important?

HDFC ERGO Car Insurance Renewal Online is important because it helps in saving time and money. It also helps in making the process of renewing car insurance faster and easier.

This was a very simple introduction, but it provides a lot of information about why HDFC ERGO Car Insurance Renewal Online is important.

  • It offer 24 hours customer service over the phone and also a claims registration service through our site.
  • Approved workshops serve as a cashless settlement clearance for the customer.
  • Quick claims survey
  • Towing assistance provided within the city.
  • Application to a car insurance company for help with a claim will result in the processing of that application being completed within seven working days.

Advantages of HDFC ERGO Car Insurance Renewal Online:

Below are some of the benefits of renewing your HDFC ERGO car insurance plan:

  • Cashless claim settlement at over 7,100 network garages.
  • 24*7 customer support helpline.
  • Up to Rs.1, 500 reimbursed for towing charges (with add-on cover).
  • Avail instant ‘e-policy’.
  • Protection against expenses arising after an accident.
  • Damage cover for the insured car.
  • Cover for bodily damage of the policyholder (if opted for Personal Accident cover).
  • Overnight car repair services.
  • NCB discount for claim-free years.

Features of HDFC ERGO Car Insurance Policy Online:

  • Quick and Convenient
  • Switch to a better plan
  • Get Deals and discount
  • Zero paperwork
  • Instant Coverage
  • Enjoy uninterrupted coverage

Here are some helpful ways to Reduce the cost of your HDFC ERGO Car Insurance Renewal:

The best place to get your car insurance could vary by company, so it's a good idea to compare rates. Here are the key factors which can influence your insurance premium:

  • Renew Policy before it Lapses (In time)
  • Opt for Voluntary Deductibles
  • Understand your needs
  • Use the No Claim bonus (NCB)
  • Renewing Online is the Cheapest.

There are many factors that can affect the timing and cost of a renewal. Factors include:-

  • The age of your vehicle
  • The type of coverage that you have
  • Your driving history
  • The price of your car and
  • Your credit score.

HDFC ERGO Car Insurance Renewal Premiums:

Coverage Premium (2020-21) Expecting Premium (2021-22)
Third Party Car Insurance 2324 2593
Own Damage Car Insurance 3467 3600
Comprehensive Car Insurance 7685 7804
Car Model IDV Zero Dep Cover Premium
Toyota Fortuner Rs. 5, 34,363 Rs. 3378 Rs. 7378
Ford Eco-sport Rs. 4, 93,338 Rs.2933 Rs.8289
Renault Duster Rs. 2, 28, 388 Rs. 3992 Rs.7399
TATA Safari Rs. 4, 32,299 Rs. 1383 Rs. 9479

* The displayed values were only intended to be representative of the readings, if you want exact values compare quotes*.

Check out some important Queries about Renewal:

Is HDFC ERGO Car Insurance Renewal Easy?

Yes, you can renew your HDFC ERGO car insurance policy by paying the current premium and following a few easy steps. Your company will send you a reminder before your fixed term insurance policy expires.

Or renewing your expired HDFC ERGO car insurance policy is also easy with PolicyBachat with simple 3 steps. Fill in the required fields at quotes comparison, click on the renew of your policy, and make payment.

When Does Your Insurance Policy Expire?

It’s important to renew your policy before its expiration date. Not only does this give you a full year’s coverage, but also peace of mind with an extended insurance plan. This is why it's best to renew your policy before the time lapse, in order to get a cheaper rate.

To get the best rates and coverage from the insurance company, we advise you to renew your policy at least 30 days before it expires. To explore our new payment options, please contact HDFC ERGO store before upcoming deadlines. This way, you'll be sure to make adjustments as needed in time for the next billing cycle.

What if I decide not to renew my HDFC ERGO Car Insurance Policy?

If you do not renew this policy, the cover ends and your vehicle is no longer insured. If you have decided against renewing your HDFC ERGO car insurance policy, please contact the company. To cancel your HDFC ERGO Car Insurance Policy, follow these steps:

  • Inform your insurer before the renewal date.
  • If you're using an automatic payment plan, be sure to contact your insurer and cancel before the first payment of the renewal term is automatically deduct
  • If you have not already, make sure you cancel your policy before it renews by the end of the term.
  • If not, make sure to cancel before paying for any services that may incur additional costs.
  • Contact your insurer to see if you need to submit a written letter of cancellation or if you can do so online or over the phone.

Can I Renew My Car Insurance Policy After Expired?

If you haven't renewed your policy yet, and it's been more than the duration of your regular coverage period, we might be able to extend your policy by a few months. You might still be able to get a new policy even if your old one doesn't get renewed. You'll need to contact your insurance company to find out more.

What If I Don't Renew My Policy And Drive Without Insurance?

Driving without a car insurance policy on the road is crime you will be fined for that issue and lot more things been happened:-

  • Penalties and legal fines for driving without insurance is of Rs. 2000 and imprisonment of up to 3 months
  • Third party liability
  • Legal complications
  • Loss of No Claim Bonus
  • Damage to Self.

How Long Is My Car Covered After Insurance Expires?

Your insurance coverage is valid only till the date mentioned on your insurance policy. Any grace period offered is only for the purposes of saving you from fines and penalties on renewal by the insurer. It does not extend to insurance coverage.


Understand the importance of timely renewal of HDFC ERGO car insurance policy. This is why we help you to take care of your insurance needs by allowing easy and hassle-free renewal of expired car insurance.

Now that you know the benefits of renewing your HDFC ERGO car insurance policy on time, it is highly recommended to renew on time in order to avoid any unpleasant surprises later. Renewing the policy on time also enables you to save money, time and effort.

“Remember to renew your insurance policy before it expires to avoid a break in coverage”

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