Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
  • CASHLESS GARAGES 6,800
  • CLAIMS SETTLED 89%
  • ZERO DEP. CLAIMS UNLIMITED
Key Features:
  • Right Green Tick Maximum Cashless Garages
  • Right Green Tick Over Night Vehicle Repairs
  • Right Green Tick 24x7 Roadside Assistance
  • Right Green Tick Quick Claim Settlement

Calculate Your Car Insurance Premium Online

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?

HDFC ERGO Car Insurance Add on Covers

HDFC Ergo General Insurance is one of the leading car insurance providers in India. It offers a wide range of add-on coves with its car insurance plans. Car insurance add-ons are extra coverages which can be opted with comprehensive car insurance plans and standalone own-damage car insurance plans to extend the coverage of the policy in return for an additional premium.

HDFC ERGO - 6 Important Add-on Covers For Your Car Insurance Policy

Following are the add-on covers offered by HDFC Ergo General Insurance with its car insurance plans:

1. Zero Depreciation Cover

Depreciation of your car and its parts is a natural phenomenon and the liability to pay for it by default falls on you being the car owner. However, by opting for this zero depreciation add-on cover, you can shift the liability of bearing the depreciation expense to the insurer. This cover relieves you from the depreciation applicable on your car and all its metal and plastic parts as 100% except tyres and batteries which are exempted from depreciation at 50%. This add-on can be availed in case of partial loss sustained by your car.

2. Engine and Gearbox Protector

This add-on helps you extend the coverage of your car insurance plan for damage incurred by the parts of your car’s engine and gearbox due to ingression of water and leakage of lubricants. This add-on insures you against the repair/replacement cost as well as the labour cost incurred during such repairs/replacement along with engine cylinder re-boring, compression tests, and other machining charges.

3. No Claim Bonus Protection Cover

As a policyholder, you are rewarded by the insurer for not making any claim during a policy period in the form of a No Claim Bonus. NCB is provided to you in the form of a 20% to 50% discount, depending on the number of claim-free years, on the own-damage premium of your insurance plan. However, this benefit gets lost if you make even a single claim during the policy period. However, if you have a No Claim Bonus Protection Cover, you can keep your NCB intact even after making up to 3 claims during a policy period.

4. Consumables Cover

Consumables refer to those items which when put to use get consumed totally or become unfit for permanent use after the usage. Such consumables include, nuts, bolts, screws, washers, grease, collants, engine and other oils, A/C gas, bearings, battery water, filters, etc. When you opt for this add-on, the expense of this consumable is borne by the insurance provider. Under this add-on, one claim is allowed during the policy period.

5. Return To Invoice Cover

In the event of total loss or theft of your car, the insurer provides you with the Insured Declared Value (IDV) of your car as compensation. However, this IDV is less than the Invoice Price, the amount which you had paid at the time of purchasing the car. This cover helps you get the Invoice Price as compensation in the event of total loss or theft of your car. The Invoice Prices includes the ex-showroom price, road-tax as well as the registration charges of your car.

6. Emergency Assistance Cover

This cover provides you with emergency roadside assistance in the event of immobilization of your car due to mechanical or electrical breakdown and as long as the fault can be repaired at the place of immobilization within 60 minutes at the spot of immobilization. Besides the repair facility, the add-on cover provides the following services:

  • Duplicate Keys- If keys your car get lost or misplaced, the insurer arranges forwarding of duplicate sets from your place of residence.
  • Locked/ Lost Keys: In case you get locked-in, the insurer will come to your rescue. If required, the insurer will also tow your car to a nearest safe place.
  • Battery Jump Start: If your car does not start due to the battery being discharged, the jump-start of the battery would be arranged.
  • Tyre change: If your car has a punctured or burst tyre the insurer would arrange for changing it with the spare tyre carried in your car. In a case where a spare tyre cannot be used, the insurer shall either tow the vehicle to the nearest tyre repair shop or accompany you to the nearest tyre repair shop and back.
  • Fuel delivery: If your car runs out of fuel, the insurer will deliver up to 5 litres of fuel (petrol or diesel only). However, cost of fuel would be paid by you.
  • Emptying of the Fuel Tank: if the fuel tank of your car is filled with the wrong fuel, the insurer will bear the cost emptying it using a technician.
  • Towing and Removal of the Car: In the event you car is immobilized due to the breakdown or accident and on site repair is not possible, the insurer will arrange the towing of your car to the nearest workshop or garage.

Must Read Articles before buying Hdfc Ergo Car Insurance

Hdfc Ergo Car Insurance User Reviews

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

    I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.

    A
    By Arundhati Raj Gupta
    On: July 2, 2024
  • Quick repair service

    My car's bumper was hanging after it was hit by a car. I gave my car for repair at one of the cashless garages by HDFC Ergo and it was delivered back within the same day. I am very happy with the efficient services provided by HDFC Ergo. Kudos to InsuranceDekho for helping me choose the right fit insurance plan.

    K
    By Kabir Monga
    On: July 1, 2024
  • Roadside assistance

    I was travelling back to Delhi from Moradabad early morning when my car stopped working and smoke was coming out from the engine. I was in a panic situation and called the HDFC Ergo claim team and a towing vehicle arrived in justified time with a mechanic who assessed the car and identified the problem. The car was then towed to a garage and I came back to my home with a cab. In a couple of days, my car was delivered back and all the costs were handled by HDFC Ergo. The whole experience was more helpful than I wished for and I would encourage everyone to take insurance using InsuranceDekho to protect themselves from getting stuck in such situations.

    Z
    By Zeeshan Kamil
    On: June 27, 2024
  • Smooth claim process

    Couple of days before my car was damaged by a branch of a tree falling on it during a heavy storm. I could not imagine how much cost it would have taken to repair if I didn't have insurance. HDFC Ergo car insurance claim process was very simple and easygoing. Thanks to InsuranceDekho for helping in selecting the best insurance provider.

    A
    By Aman Malhotra
    On: June 25, 2024
  • Reimbursement claim

    A small accident a few days back caused minor damage to my car. I was very annoyed with the incident as it prevented me from making to my job interview. I took my car to my trusted garage and got it repaired and got the claim reimbursed through HDFC. I was already tensed and thought that the insurer would trouble me with a long process but instead, they were very understanding and quickly completed the inspection process. Have to give it to InsuranceDekho for their expertise, their assistance team mentioned that HDFC is one of the best when it comes to claim settlement.

    R
    By Ranbir Chatterjee
    On: June 24, 2024
  • 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.

    A
    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.

    N
    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.

    P
    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.

    P
    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.

    R
    By Rohan Patel
    On: May 29, 2024

545 Hdfc Ergo Cashless Garages in India

HDFC ERGO Car Insurance Add-On Cover FAQs

  • Is it necessary to purchase add-ons?

    No, it’s not mandatory to opt for car insurance add-ons but it is advisable to have additional protection for your car.

  • What is engine protection cover in car insurance?

    It is an add-on cover which can be purchased with the comprehensive car insurance policy or a standalone own-damage car insurance plan. It offers coverage towards damages or losses incurred by the engine of your car due to oil leakages and water regression.

  • What is zero depreciation cover in car insurance?

    Zero depreciation cover is an add-on which provides coverage against the depreciation incurred by your car and its parts. By default a standard car insurance policy does not cover depreciation expenses of the car. Thus, zero depreciation cover helps you get rid of bearing the expenses caused due to the wear and tear of your car and its parts.

  • Can I buy add-ons at the time of car insurance policy renewal?

    Yes, you can buy add-ons at the time of car insurance policy renewal.

  • What is Key Replacement cover in car insurance?

    Key replacement is an add-on cover which covers the expenses arising out of the replacement of your car’s keys when they are stolen or misplaced.

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy # within 5 mins
  • More than 45 Lac happy customers
  • Claim Support available all 7 days of the week

HDFC ERGO Car Insurance Contact Details

For any assistance or query, call us on

Car Insurance News

Calculate your Car IDV

Cashless Garages in Popular Cities

CityNo of Garages
Mumbai336
Delhi238
Pune230
Bangalore212
Hyderabad211
Kolkata150
Chennai149
View All
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.