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Key Features:

  • Maximum Cashless Garages

    Maximum Cashless Garages

  • Over Night Vehicle Repairs

    Over Night Vehicle Repairs

  • 24x7 Roadside Assistance

    24x7 Roadside Assistance

  • Quick Claim Settlement

    Quick Claim Settlement

Hdfc Ergo Car insurance starting from ₹ 2094/year*
  • Car No.
  • Select Plan
  • Policy Issued

Top HDFC ERGO Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From 2881
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 2202

About HDFC ERGO Car Insurance

With a claim settlement ratio of 99.48%, HDFC Ergo tops the list of the best car insurance companies in India. The company is a joint venture between HDFC Bank and ERGO International. HDFC Ergo car insurance provides a safety net that covers the owner of the car from any damages incurred as a result of theft, fire, accident, or other third-party liabilities that may arise in the event of an accident. The three main types of car insurance plans offered by HDFC Ergo are namely Comprehensive, Standalone Own Damage, and Third Party Car Insurance Plans.

Key Features of HDFC Ergo Car Insurance



HDFC Ergo Claim Settlement Ratio


Founding Year


No. of Network Garages


No Claim Bonus

Yes, up to 50%

Starting Price of Car Insurance Premium

Rs. 2094

No. of Ad-on Covers


Benefits of HDFC Ergo Car Insurance

Listed below are some of the compelling reasons why you should choose to buy car insurance plans with HDFC Ergo.

Affordable Pricing

HDFC Ergo has car insurance plans starting at Rs. 2094. At affordable premiums, HDFC Ergo offers maximum benefits and coverage. You can use a premium calculator to determine the car insurance premium.

Customers Reviews

With HDFC Ergo, you can buy car insurance plans in a breeze. Just get in touch with the HDFC Ergo team and proceed with simple steps to buy car insurance.


With the availability of over 6,800 cashless garages, policyholders can get their insured car repaired in a cashless manner. The extensive number of HDFC Ergo network garages makes it easier for policyholders to locate a nearby garage for cashless repairs.

Customer Support

The customer support team of HDFC Ergo can be reached at all times if you have any queries about your car insurance plan, claim, or anything else.

HDFC Ergo Car Insurance Premium Calculator

To analyse the premium you need to pay towards your HDFC Ergo car insurance plan, you can use the HDFC Ergo car insurance premium calculator. On entering details such as the age of the car, model, fuel type, and more, you will be able to estimate the car insurance premium you need to pay. With the HDFC Ergo car insurance premium calculator, you will be able to view the premium details in a matter of a few minutes.

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

HDFC Ergo Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance plans provides complete protection. It offers financial compensation for both third-party liabilities and standalone damages.

Know More

Compare and Select the Best Car Insurance Policy

Covers under Car InsuranceComprehensive CoverThird Party Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.RightRight
Damage due to events like – Fire, theft, vandalism etc.RightRight
Choice of add-ons – Zero depreciation, NCB protect etc.RightRight
Customization of car valueRightRight
Personal accident cover of Rs. 15 Lakhs*RightRight

Factors Affecting Car Insurance Premium

There are a number of factors that affects car insurance premium such as the following

  • Fuel type

    Fuel Type

    The car insurance premium of CNG fuel type is higher in comparison to diesel and petrol cars.

  • Geographical Location

    Model of Car

    Model of the car remains another major factor in determining its premium. High end luxury cars will have a higher car insurance premium.

  • Geographical Location

    Geographical Location

    If you live in an area that is at a higher risk of theft and risks, then the car insurance premium will be higher.

  • Geographical Location


    The higher the value of IDV or Insured Declared Value directly affects the car insurance premium.

  • Geographical Location

    Installation of Safety Devices

    With the installation of devices like anti-theft devices, the car insurance premium becomes higher.

Calculate your Car IDV

HDFC Ergo Car Insurance Add-ons

HDFC Ergo offers a number of add-ons or riders to increase the scope of coverage of your car insurance. Listed below are the popular add-ons which you can buy with your HDFC Ergo car insurance plan

  • Return Invoice

    Return to Invoice Cover

    With the Return to Invoice add-on, you can recover the invoice value if your car is lost or damaged.

  • Zero Depreciation Cover

    Zero Depreciation Cover

    The value of every car depreciates over the years, and this depreciated value is not covered in car insurance plans. However, with Zero Depreciation Cover, you will get the entire amount without including depreciation charges.

  • No Claim Bonus Protection Cover

    No Claim Bonus Protection Cover

    The No Claim Bonus benefit will remain intact with the No Claim Bonus Protection Cover.

  • Cost of Consumables Cover

    Cost of Consumables Cover

    The cost of consumables like brake oil, lubricants, and others are covered under Consumables Cover.

  • Emergency Assistance Cover

    Emergency Assistance Cover

    In case of any mechanical breakdown, you can get round-the-clock assistance with the HDFC Ergo Emergency Assistance add-on.

Hdfc Ergo Car insurance starting from ₹ 2094/year*
  • Car No.
  • Select Plan
  • Policy Issued

How To Buy/Renew Car Insurance Online

  • Step-1


    Input the Car Registration Number and select Get Price(new policy) or Rrenew (exixting Tata AIG Policy.

  • Step-2


    Fil up the Car and personal details as propmted by the screen. Also select the policy coverage and add0ons of your choice

  • Step-3


    You will get an instant car Insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.

Tips To Buy Car Insurance Online

To buy the best car insurance plan, you need to keep certain tips in mind such as the following

Types Of Car Insurance Add-ons

Types Of Car Insurance

There are different types of car insurance plans comprehensive, standalone, and third-party car insurance. So, before buying any plan, analyse your requirements and accordingly buy a desired type of car insurance.

Add-ons Add-ons


WIth HDFC Ergo, there are a number of add-on options that you can choose from. However, on including add-ons to your car insurance plan, the premium of car insurance gets higher.

Network Garages Add-ons

Network Garages

While buying car insurance plans, you must keep a check on the number of network garages. The greater the number of network garages, the more beneficial will it be for you.

Claim Settlement Ratio Add-ons

Claim Settlement Ratio

The claim settlement ratio refers to the insurer’s efficiency in settling car insurance claims. You must buy car insurance plans with a company that has a higher claim settlement ratio.

Car Insurance Premium Add-ons

Car Insurance Premium

It is very important that you check the car insurance premium before buying it. You must buy a car insurance plan which has an affordable premium and best fits your pocket.

Pay As Drive

HDFC ERGO Pay As you Drive

You can now get away with paying a hefty premium if you drive your car occasionally. HDFC Ergo now offers Pay As You Drive add-on cover which lets you pay car insurance premiums as you drive.On buying the Pay As You Drive add-on with HDFC Ergo, policyholders can thus enjoy the benefits of car insurance at lower premiums. Moreover, when they renew the PAYD cover with HDFC Ergo, they can enjoy even more benefits.

Benefits of Buying and Renewing Car Insurance Online

Listed below are the benefits of buying and renewing car insurance online

Quick Policy Issuance

Quick Policy Issuance

When buying car insurance online, you can get your policy issued in a few simple steps. You just need to enter a few details and make a payment to quickly issue car insurance with HDFC Ergo.

Transparent Process

Transparent Process

The process of buying HDFC Ergo car insurance is quite transparent. In a few simple steps, you can buy car insurance with HDFC Ergo.

No Paperwork Required

No Paperwork Required

On buying and renewing car insurance online, there is almost zero paperwork required. You can complete all the required steps from the comfort of your home when you buy car insurance online.

Dedicated Team

Dedicated Team

With HDFC Ergo, you can get dedicated team support when you are buying a car insurance plan online.

Claim Process for HDFC Ergo Car Insurance

Here are the steps to raise an HDFC Ergo car insurance claim:

  • First, raise a claim request either by calling the HDFC Ergo team or on their website
  • Once you raise the claim request, you will get claim registration number
  • Next, take the insured car to a network garage or any garage of your choice
  • Then, submit all the relevant documents. A surveyor will also be assigned to assess the total damage
  • The surveyor then sends the damage report to the company. Once the company, here HDFC Ergo approves the claim, the car insurance claim will be settled.

How to Calculate HDFC Ergo Car Insurance Premium?

Before you buy any car insurance plan, you first need to calculate the HDFC Ergo car insurance premium. Here is how you can do the same:

  • Visit the car insurance page on the HDFC Ergo website. Enter details like car registration number and other details.
  • Once you enter all the details, you will be able to see car insurance quotes.
  • Choose from the different types of car insurance plans available and enter details like no claim bonus, no expiry date, and other details.
  • Use the car insurance premium calculator to check the premium once all the details have been entered.

How to Renew Car Insurance With HDFC Ergo?

To renew your car insurance plan with HDFC Ergo, you need to follow the below-mentioned steps:

  • Click on the renew option of HDFC Ergo car insurance
  • Enter details like car insurance number, add-on covers, and others.
  • Pay the renewal fees of HDFC Ergo car insurance.
  • You will receive details of your policy on your registered email id.

How to Buy Car Insurance with HDFC Ergo?

Thinking of buying car insurance with HDFC Ergo? Here is how you can buy car insurance with HDFC Ergo:

  • Visit the official website of HDFC Ergo
  • Enter details like car registration number, and mobile number, and proceed further with viewing quotes.
  • Include all the necessary add-ons and proceed with the payment.
  • Once the payment is complete, you will receive a notification about the same.

What is IDV and How is it Calculated?

IDV refers to the Insured's Declared Value as the maximum amount you will receive if your vehicle is damaged or lost. Some of the factors that affect IDV are as follows


As the value of car depreciates over the years, so the IDV also varies from one car to another.


The IDV is also based on the value of different accessories you have installed in your car.


The ex-showroom price of the car varies from one Indian city to another. This is the reason why the IDV also accordingly varies.

HDFC ERGO Car Insurance FAQs

What is car insurance? Why trust HDFC ERGO? plus icon

Do you need car insurance? plus icon

HDFC ERGO – what are the different types of car the company covers? plus icon

What are the various types of car insurance policies available in HDFC ERGO? plus icon

What are the exclusions in a HDFC ERGO car insurance policy? plus icon


Hdfc Ergo Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Customised Plan

    Thanks to InsuranceDekho for helping me find the perfect insurer. HDFC Ergo's comprehensive plan fits all my needs. This plan is perfect for every season's needs and makes me secure on the roads. The add-ons are like a cherry on the cake. Kudos to the whole team.

    By Agathiyan
    On: June 19, 2024
  • Overnight repair

    I got some minor dents on my car 2 days ago and the feature of HDFC Ergo overnight repair amazed me. They picked up my car in the evening and the next morning i had a call notifying that the car was repaired. I was so amused! Thanks to InsuranceDekho for the help during this processs.

    By Nihal Siddiqui
    On: June 13, 2024
  • Best Services

    InsuranceDekho is awesome at its job. The cool interface is so much interesting with its features to compare quotes and apply filters. It was a great decision to purchase my HDFC Ergo car insurance through them.

    By Parth Sharma
    On: June 11, 2024
  • Quality customer care

    I have a HDFC Ergo own damage car insurance and I have been very satisfied with the services and customer care. They respond on time and the car picks up service is fast as well. InsuranceDekho was key in finding the best policy to match my requirements.

    By Prem Tripathi
    On: May 30, 2024
  • Easy and smooth process

    HDFC Ergo's car insurance plan for my Hyundai i20 eased my worries. I visited them again and bought the same plan for my wife’s car. The online process was straightforward, and their customer service team provided great assistance whenever needed.

    By Rohan Patel
    On: May 29, 2024
  • Simple Buying Process

    Getting HDFC ERGO car insurance through InsuranceDekho was simple! They have great customer service, good prices, and lots of coverage options. Definitely worth it!

    By Mansi Bajaj
    On: March 21, 2024
  • Complete Peace of Mind

    With the HDFC Ergo Car Insurance Policy’s comprehensive coverage for my BMW car, I enjoy complete peace of mind while driving. I know that no matter what happens, my car is protected.

    By Charul Midha
    On: November 29, 2023
  • Personalized Policy Options

    The premium calculator allowed me to explore the HDFC Ergo Car Insurance Policy options that align with my budget and preferences for my Nissan car.

    By Garv Bakshi
    On: November 24, 2023
  • Complete Value Protection

    I am happy to say that the Zero-dep insurance for my HDFC Ergo Car Insurance Policy ensures complete protection for my Renault car's value. No deductions, and no surprises—just complete coverage that leaves me stress-free.

    By Yogita Mohante
    On: November 21, 2023
  • Excellent Advise

    Good Guidance By Archit giving the details about insurance policy and explaination of clause, Features, Choice and Best suitable

    Renault Kiger Ahmedabad
    On: November 20, 2023