Hdfc Ergo Comprehensive Car Insurance Policy

HDFC Ergo Comprehensive Car Insurance covers damages incurred to your car or to a third-party person or property. HDFC Ergo General Insurance Company Limited is a joint venture company between HDFC and Ergo International AG. The company has 1.5 crore plus customers and over 200 branches across the country. With its headquarters in Mumbai, Maharashtra, HDFC Ergo offers a variety of insurance products within retail and general insurance like motor insurance, health, travel and personal accident insurance and customised insurance products like marine, property and liability insurance. HDFC Ergo has an impeccable claim settlement ratio of 100% in car insurance. [1] [2]

What is Comprehensive Car Insurance?

A comprehensive car insurance gives the insurer coverage for their car-related damage or losses or a third-party person, vehicle or property. The said damage or loss to the insured’s vehicle can occur due to unforeseen circumstances like accident, theft, burglary, natural calamities like flood and earthquakes which may lead to heavy repair bills. For the third-party, the problem may occur due to accident or damage caused by the insured person’s vehicle. Ensuring your vehicle with comprehensive car insurance by HDFC Ergo will give you coverage for all third-party or own vehicle financial or legal liabilities.

HDFC Ergo’s comprehensive car insurance also provides personal accident cover to the driver or owner [3]

Key Features of HDFC Ergo Comprehensive Car Insurance

Comprehensive Car Insurance Premium Rates 2024

The base cost of buying HDFC Ergo comprehensive car insurance is INR 2094/-. This amount is applicable for buying comprehensive car insurance irrespective of the insurer and is set by the Insurance Regulatory Authority of India (IRDAI).

When you select a specific add-on offered by HDFC Ergo and opt it as part of your comprehensive car insurance, then the price of your premium will increase based on the add-on chosen.

Benefits of Comprehensive Car Insurance

Here are a few benefits of buying HDFC Ergo comprehensive car insurance policy:

• Zero Dep Claims: With zero depreciation claim in process, you will be compensated for any sort of depreciation of that specific vehicle part given that you have taken a zero depreciation add-on.
• Huge Trust Factor: With a claim settlement ratio (CSR) of 100%, HDFC Ergo Car Insurance is a trusted insurer. A 100% CSR is a testament on how the insurer prioritises their customers and is responsive when taking care of their claims.
• Huge Cashless Garage Network: HDFC Ergo has a network of 8000+ cashless garages across India. This means that you can access premium services at the garage of your choice near your home. This also means that you can access the services near you in case you are stuck on the road in case of an emergency.
• Superior Coverage: When you opt for comprehensive car insurance, you secure yourself from any financial and legal liability arising due to any loss or damage caused to a third-party person or property. Additionally, you are also covered financially from incurring major costs related to your car. With HDFC Ergo, you get superior coverage given the insurer’s credentials.

Covered Vs Not Covered in Comprehensive Car Insurance?

Every insurance coverage comes with certain limitations which you must be aware of. Mentioned below are all major inclusions and exclusions under HDFC Ergo Comprehensive Car Policy:

INCLUSIONS:

1. Fire & Explosions: For complete coverage from fire and protecting your vehicle, HDFC Ergo offers protection from fire and any kind of explosions.
2. Accidents: The company covers damages caused to your vehicle due to being in an accident.
3. Third-party Liability: With their third-party insurance feature, HDFC Ergo covers financial and legal liabilities due to any damage, loss of life or injury caused to a third-party person, property or vehicle.
4. Natural & Manmade Calamities: Some natural calamities like earthquake, flood, cyclone etc or manmade disasters like riot, crime etc are covered under HDFC Ergo’s comprehensive car insurance.
5. Theft: In case your car gets stolen, you will be covered under the plan based on the Insured Declared Value (IDV) that your insurer has mentioned in your policy document.
6. Personal Accident: If you sustain any injury because of a car accident then you are covered under this policy.

EXCLUSIONS:

• Depreciation: The general wear and tear of tyres and other spare parts are not included under HDFC Ergo Comprehensive Car Insurance.

• Mechanical & Electrical Breakdown: Mechanical and electrical breakdown like engine seize or failure are not covered under this insurance, but an add-on can be opted for the same.

• Driving Under The Influence of Alcohol or Drugs: When a driver is driving under the influence of alcohol or drugs, the damage done to their car or to a third-party property or person is not covered under HDFC Ergo insurance.

• Accidents Done Intentionally or with a Malice Towards Someone: When an accident has happened which was done with an intention to harm a person or their property, it is not covered under HDFC Comprehensive car insurance.
• Driving without a driving licence or with an invalid driving licence: If you are driving without a driving licence or with an invalid or expired driving licence, and you cause damage to a property or injure a person, the finances aren’t covered under your comprehensive car policy.

For detailed information on inclusions and exclusions, refer to your policy document after purchase.

How to Buy Comprehensive Car Insurance from InsuranceDekho?

To buy your HDFC Ergo Comprehensive Car Insurance from InsuranceDekho follow the steps mentioned here:

• Step 1: Visit https://www.insurancedekho.com/car-insurance to begin your journey.
• Step 2: On the home page of car insurance, you will immediately see a form - enter your car number.
• Step 3: Browse through all the plans that are available for you. After comparison opt for your preferred plan, here HDFC Ergo Comprehensive Car Insurance.
• Step 4: Customise your plan in case you’d like to attach some add-ons with your base plan.
• Step 5: Take optional assistance if needed or when you feel stuck or confused. When you choose optional assistance, an InsuranceDekho relationship manager will connect with you.
• Step 6: Complete your KYC & Payment: Proceed to fill your KYC details and then review your details before making the final payment.

Follow the steps mentioned below if you are looking for buying comprehensive car insurance for a new car:

• Step 1: Visit https://www.insurancedekho.com/car-insurance
• Step 2: Click on option “Brand New Car” on the form
• Step 3: Search for the brand, model, variant, and year of car
• Step 4: Enter car city details for RTO selection
• Step 5: Enter your name and mobile number to view your specific plan and get the details on whatsapp to your phone number
• Step 6: Connect with our relationship manager if required, else update KYC, review your plan and make payment.

Documents Required

• Ownership Verification: Your RC or vehicle registration certificate
• Identification Verification: A government-issued ID card such as an Aadhaar card, PAN card, passport, or driver's licence.
• Residential Address Confirmation: Documents like Aadhaar card, passport, utility bills, or voter ID card
• Insurance History: Previous policy document
• Payment Information: UPI, net banking, credit or debit card details depending on what mode of payment you choose

Add-ons for Comprehensive Car Insurance

Here are some of the top add-ons offered along with HDFC Ergo Comprehensive Car Insurance:

• Zero Depreciation Cover: With zero depreciation cover the value of your car remains intact even after settling a claim and you get the entire amount of your car when the situation arises.
• Engine & Gear Protection Cover: This cover helps protect your vehicle’s engine and gearbox.

• No Claim Bonus Protection Cover: A no-claim bonus or NCB protection cover ensures that your no claim bonus remains intact even after you have made a claim.

• Roadside Assistance Cover: With this cover your get emergency assistance on the road at the time of need.

• Return To Invoice Cover: In case your car gets stolen or there is a theft, with this cover you will be able to recover the invoice value back.

• Daily Allowance Cover: When your car is in the garage getting repaired, get a daily allowance to cover your cab or other commuting expenses with this cover.

• Consumables Cover: With this add-on, get coverage for items like grease, brake oil, lubricant, engine oil, oil filter, etc.

• Tyre Protect Cover: With tyre protect cover you will get coverage of your car’s tyres and tubes in case of an accident.

• Cover for Loss of Personal Belongings: This cover protects your personal belongings like laptop, files, documents, clothes, tools etc that are in your vehicle in case it gets stolen or misplaced in an accident or from a parking lot.
• Pay As You Drive Cover: This cover benefits you by getting up to 25% of basic own damage premium within your comprehensive policy if you drive less than 10,000 km in a policy year.

How To Renew Your Comprehensive Car Insurance?

Renewing your HDFC comprehensive car insurance policy is simple. However, before that make sure you have the following documents handy:

• Drivers Licence
• Car Registration Certificate
• Previous insurance paper or policy document
• Vehicles mileage
• There may be additional documents required depending on your requirement like vehicle ownership, claim history, etc

Once you are ready, follow these steps:

Step 1: Click on "Support" from the top bar of https://www.insurancedekho.com/car-insurance

Step 2: From the dropdown list, select the "Renew Policy" section

Step 3: Enter your mobile number and click on “Send OTP”

Step 4: You will now be able to access your car insurance policy details.

Step 5: Click the "Renew" button to renew your policy.

Step 6: Make the payment and access your renewed policy document

For more details visit https://www.insurancedekho.com/car-insurance/compa...

Factors that Affect Your Comprehensive Car Insurance Premium

The premium of a comprehensive car policy is higher than that of third-party car insurance as the coverage is enhanced and for both your car and a third party’s property or life. Hence below are the major factors to keep in mind before buying HDFC Comprehensive car insurance policy:

• Car’s Make, Model, Variant Details: Your car’s manufacturing year, model, brand and variant details will have a huge impact on the premium you pay. This is because the coverage depends on the cost of your car and the more expensive your car is, the higher the premium.

• Registration Location: The geographical location within India where you register your car (Regional Transport Office of the city/town) also impacts the premium you will pay for your car. Usually, buying a car in tier 2 and 3 is cheaper than that in metro cities.

• Insured Declared Value (IDV): IDV is the maximum amount that your insurer will pay you in case of any damage or theft to your car. Insured declared value denotes the market value of your car.

• Driver’s Record and Claim History: The driver’s overall driving record and previous insurance claim history also affects the price of your premium. If you are someone with a clean history, the price impact will be low.

• Available No Claim Bonus: If you have your previous year’s or previous insurer’s no claim bonus intact, you can utilise it for getting a premium discount. This might lower your premium cost.

How To Claim Comprehensive Car Insurance?

To make your claim for HDFC Ergo Comprehensive car insurance you can:

1. Connect with HDFC Ergo on whatsapp 8169500500 [6]

OR

1. Call HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 [6]

OR

1. To know more about the claim process visit the link of - “registering car insurance claim” [7]

You can also connect with an InsuranceDekho advisor for assistance either on call +91- 7551196989 or by writing to us at support@insurancedekho.com

Difference between Comprehensive and Third Party Car Insurance

To make it easy for you to choose between comprehensive versus third party car insurance from HDFC Ergo, check out the details: