Hdfc Ergo Car Insurance FAQs
- CASHLESS GARAGES 6,800
- CLAIMS SETTLED 89%
- ZERO DEP. CLAIMS UNLIMITED
- Maximum Cashless Garages
- Over Night Vehicle Repairs
- 24x7 Roadside Assistance
- Quick Claim Settlement
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When did you buy your car?
What is car insurance? Why trust HDFC ERGO?
car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers.">
car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers.
Do you need car insurance?
In India, it is mandatory to have a car insurance if you wish to drive your vehicle on roads. Having a third-party liability insurance is a must.
HDFC ERGO – what are the different types of car the company covers?
As per the Motor Vehicles Act, every vehicle plying on Indian roads must be secured with at-least a third-party liability insurance. HDFC ERGO offer scalable and well-thought insurance protection plans for both new and used cars.
What are the various types of car insurance policies available in HDFC ERGO?
comprehensive insurance policy">
Typically, there are two types of car insurances policies to choose from – a third party liability policy and a comprehensive insurance policy
What are the exclusions in a HDFC ERGO car insurance policy?
Not every little damage repaired is borne by the company. Things like electrical breakdown, depreciation of parts, general wear and tear, damage caused due to collisions under the influence of alcohol or inflicted man-made calamities are not covered by HDFC ERGO.
Third party insurance or comprehensive car policy – what should I buy from HDFC ERGO?
third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">
Having a third-party liability cover is enough to drive your vehicle on-road. However, damages caused due to collision, fire, theft, earthquake or any other factor could incur hefty financial loss. third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">
Having a third-party liability cover is enough to drive your vehicle on-road. However, damages caused due to collision, fire, theft, earthquake or any other factor could incur hefty financial loss. third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">
Having a third-party liability cover is enough to drive your vehicle on-road. However, damages caused due to collision, fire, theft, earthquake or any other factor could incur hefty financial loss. third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.">
What is a No Claim Bonus? Does HDFC ERGO reward you with the same?
Describing ‘No Claim Bonus’ as an incentive for achieving a claim-free year is appropriate. It is a discount given in Own Damage premium payable while renewing your car insurance policy after a year. Let’s quickly take a sneak-peak at the % discount you can win in the form of a No Claim Bonus
Vehicle Discount % On Own Damage Premium No claim made in the first year of insurance 20% No claim made in the 2nd year of insurance 25% No claim made in the 3rd year of insurance 35% No claim made in the 4th year of insurance 45% No claim made in the 5th year of insurance 50%
What is IDV?
IDV or Insured Declared Value is best described as the sum insured of the vehicle that is fixed upon at the beginning of a policy period for an insured vehicle.
Emergency Assistance – How does it work for HDFC ERGO?
Emergency assistance is an add-on that must be coupled with an insurance cover at an additional premium. It offers prompt assistance in case of breakdown, towing, tyre replacement, fuel replacement and others.
The perks of buying car insurance online! Can you purchase a HDFC ERGO policy online?
If you are not a big fan of waiting in queues and getting done with a ton of paper-works, buying car insurance online is your best way out. Gain access to the best car insurance policy in minutes without any paperwork or physical documentation by applying for vehicle insurance online.
Can I transfer my NCB discount?
Yes, you can transfer your No Claim Bonus (NCB) to the new policy purchased from HDFC Ergo car insurance. Benefits will be the same along with your new car insurance.
Is HDFC Ergo Cashless Garage facility helpful?
Yes, the HDFC Ergo cashless garage facility is extremely helpful. Some of the benefits are as follows:
- It is hassle free, easy and convenient.
- It does not involve hefty paperwork.
- It reduces the need for having cash in hand, lessening the financial burden on the insured.
How does HDFC Ergo Cashless Garage facility work?
Once you inform the insurance company about the accident, a surveyor is sent by the company to check the extent of damage caused to the vehicle. After the approval, the repair is done and later the insurance company settles the bill with the garage owner.
What are HDFC Ergo Cashless garages?
Cashless garages are the ones that have a tie-up with HDFC Ergo General insurance company. Therefore, in case, the policyholder takes their vehicle to any such network repair garage, the bill will directly get settled by the insurance company.
How many network garages are there under HDFC Ergo General Insurance company?
HDFC Ergo General Insurance company has around 6398 registered repair workshops across the nation.
Is the car insurance plan offered by HDFC Ergo cashless?
The cashless service can be claimed only if the car is sent to any network workshop for repair. Moreover, the whole claim is not cashless due to the deductibles, which are supposed to be borne by the policyholder themselves in order to account for depreciation.
How should I make a claim for my stolen car?
- Lodge an FIR
- Inform your insurer about the theft
- Wait for the policy to issue a final “Non-Traceable Report”
- Transfer the registration certificate of your lost car to the insurer along with a letter of subrogation
Under what circumstances does your insurer make a partial claim settlement?
The insurer may not realize the full value of your claim. This is because your assessment of the car damage may be different from what the insurer has evaluated. Also, the claim settlement is subject to the terms and conditions of each insurer. This results in the insurer not rejecting the claim proposal in full but honoring only a part of the claim you had sought from the company.
What are the important considerations to be followed to ensure a hassle-free claim settlement process?
Keeping in mind the following conditions ensures a seamless claim settlement process:
- Always keep a copy of your insurance documents in your car
- Do not drink and drive
- Do not flout traffic rules
- Know your policy’s inclusions and exclusions
What are the documents that must be kept in the vehicle while going to public places?
While plying public spaces, always keep the following documents with you:
- Copy of your insurance policy
- Copy of the registration certificate of your vehicle
- Copy of your driving license
- Pollution Under Control (PUC) certificate
What you must not do while filing your car insurance claim?
Accidental damage can mar the fun of driving. However, you must be aware of the “Don’ts” while filing a car insurance claim. These include:
- Do not move your car from the accident spot
- Do not hide any details about the accident
- Do not settle with the third party without informing the insurer
- Do not sign final claim settlement papers without reviewing your policy
What factors affect the premiums charged towards zero depreciation cover?
The premiums charged towards zero depreciation cover is 15-20 percent more than the standard premium rates. The insurance company calculates the increased premium charges based on factors including:
- Age of the car
- Car model
- Registration locality of your car
Is the claim settlement process different in zero depreciation insurance policy? What is the restriction on the number of claims that can be made?
Zero Depreciation cover is usually bought by new car drivers who are yet to master their driving skills. However, this cover is based on the concept of depreciation that gets deducted from the cover amount. It is important to note that the depreciation on any car is calculated only once a year while new drivers are prone to meet with numerous accidents during the first year. To cut down on the multiple claims made by the insured, the insurance company allows it’s zero depreciation insurance policyholders to make claims only once a year.
Can I seek zero depreciation cover even if my car is more than five years old?
Many insurance companies are reluctant to allow zero-depreciation insurance beyond five years. However, you may still consider seeking approval of the insurance company before paying for this cover. The insurer after looking at your claim history or out of customer loyalty may allow you to avail the benefits of this cover after paying additional premiums.
How is the zero depreciation cover different from the standard cover that one buys?
The biggest difference lies in the amount of coverage settled between the insurance company and the insured. Under the standard comprehensive insurance cover, the insurance company agrees to settle the coverage amount based on the “Insured Declared Value” of the vehicle. Having the “Zero Depreciation Cover” means that the insurer is liable to pay the full coverage amount irrespective of the depreciation amount.
When should you buy a zero depreciation cover?
You must buy this cover if:
- You are driving a new car
- Your is an expensive luxury car
- You live in a densely populated area prone to accidents
- If you have fitted expensive spare parts in your car
What if I wish to switch from a third-party insurance cover to a comprehensive insurance policy? Do I have to submit any additional documents?
Switching from a third-party liability cover to a comprehensive car insurance plan is simple. Just go to our company’s nearest branch and submit a copy of the previous year’s policy document along with a copy of the registration certificate of your car. After receiving the policy proposal, we will send an inspection team to check your car’s condition. Post validation of the details, you will be eligible to buy comprehensive car insurance from us. For added support, you may call our customer care number at 7551196989.
What is the procedure to seek claims under comprehensive car insurance?
For hassle-free claims, it is important that you get in touch with us at the earliest. Submit all the necessary documents while seeking the claim. For quick claims, you may log on to our company’s website and register for an online claim settlement.
Is it compulsory to buy comprehensive car insurance?
Car owners are mandated to buy only the third-party liability cover under The Motor Vehicles Act. While the compulsory third party car insurance cover secures against damages caused to the third party involved in the accident, comprehensive insurance secures the policyholders and their vehicles against all kinds of damages.
What damages are not covered under comprehensive car insurance?
Though comprehensive car insurance promises an extended cover, there are certain exclusions to it also. These include:
- Day-to-day wear and tear of your car
- Damage to tyres and tubes
- Mechanical and electrical breakdown of your car’s machinery
- Damage resulting from drunken driving or under the influence of narcotics
- Damage from an accident caused by driving without a valid driving license
- Depreciation in car’s value
Does your car insurance cover damage from natural disasters too?
Yes, depending on the car insurance you have bought. Comprehensive car insurance is bought to secure against all kinds of damages including those caused by floods, earthquakes, hurricanes, tornadoes, heavy rains, etc. Those living in areas prone to frequent flooding, landslides or earthquakes must consider buying a comprehensive cover that covers the most number of contingencies.
Is it compulsory to purchase the personal accident cover along with the HDFC ERGO third party liability cover?
A Personal Accident (PA) cover of up to Rs 15 lakhs is a mandatory requirement for all car owners. However, car owners have an option to opt for it with either the auto insurance policy or separately. This means you can skip the HDFC ERGO personal accident cover if you already have one from any other motor insurer
How much compensation is offered by HDFC ERGO in case of death of a third party?
HDFC ERGO offers unlimited liability of compensation for a third party’s death due to the insured vehicle. The final amount of compensation is decided by a court of law.
Will I get the NCB discount with the HDFC ERGO third party cover?
No. No Claim Bonus (NCB) discount is not available in case of third party car insurance policy.
I have lost my HDFC ERGO third party car insurance policy documents. What should I do?
In case of loss of car insurance policy document, you can request the insurer to provide you with a duplicate copy of the document for a nominal fee. For this, you can contact HDFC ERGO at 022-6234-6234/0120-6234-6234 or visit your nearest HDFC ERGO branch.
How much compensation is provided for third party property damage?
Third party property damage is covered up to Rs. 7.5 lakh.
Is there any long term policy cover by HDFC ERGO so that I do not need to renew annually?
Yes, HDFC ERGO offers long-term comprehensive car insurance policy to new car owners, in which, the first renewal has to be done after a minimum of 3 years after which subsequent renewals are to be made annually.
What documents do I need to renew my HDFC ERGO car insurance policy?
There is no need to submit any documents in order to get your HDFC ERGO car insurance policy renewed. Just enter your policy number and pay the renewal fee to renew the policy cover.
What if I have missed the deadline of policy renewal?
In case you have missed the renewal deadline of your HDFC Ergo car insurance policy you can still get it renewed till 90 days from the date of policy expiry. However, for this kind of policy renewal, you will need to get an inspection done for your car by the insurance company.
I forgot my policy number. Is there any other way to renew my HDFC ERGO policy cover?
You can check your policy documents or contact HDFC ERGO customer care for the policy number. Alternatively, you can use your registered mobile number or email address to renew your policy.
Can I opt for add-ons at the time of car insurance renewal?
Yes, you can opt for add-ons at the time of renewing your HDFC Ergo car insurance policy.
What are the factors that determine the premium of my car?
Premium depends upon various factors such as the make, model, variant, fuel type of your car, the car’s engine capacity, etc.
How is the premium rate calculated for third party car insurance?
For third party insurance, the premium depends upon your car’s cubic capacity. On the basis of the engine’s cubic capacity, different rates are charged in the form of premium.
How much premium I have to pay for my comprehensive car insurance policy?
The premium amount for your comprehensive car insurance policy depends upon the make, model, variant, fuel type of your car, the car’s engine capacity, etc. On the basis of such factors, the premium amount is calculated.
How do I receive the insurance policy document after the payment is made via online?
Once you make the payment for the car insurance policy, the document will be sent via email.
How to calculate the car insurance premium in India?
You can instantly calculate the premium of your car insurance policy using our Premium Calculator tool. Click here to use the tool.
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.
How do I get a duplicate copy of my HDFC Ergo car insurance policy?
If you have lost or misplaced your car insurance policy document, then you can contact HDFC Ergo at their customer care number 022 6234 6234 and request them to send you a duplicate insurance copy.
How can I download my HDFC Ergo insurance plan?
You can download your HDFC Ergo car insurance plan by going to their customer care support portal. There you are required to enter your personal information like contact number and email-ID along with the policy number of the insurance plan.
How can I download my HDFC Ergo insurance plan through their official application?
You can download the HDFC Ergo Insurance Portfolio Organizer app, in order to manage all your insurance plans at ease. Moreover, you can not just check various details related to your policy document but you can also download it through the app.
What if I wish to make corrections to my HDFC Ergo policy documents?
You can contact HDFC Ergo customer care number at number 022 6234 6234 and make a request to get the discrepancies corrected in the policy document. Thereafter, making all the required changes in the policy document, the company would send a new policy document to you.
How can I print a duplicate copy of the HDFC Ergo car insurance policy document?
You can simply visit the customer care portal and enter information regarding your policy number, phone number and email ID. The company will send the policy document to you at the registered email ID, from there you can easily download the policy and take a print out for the same.
What is an own damage cover in HDFC Ergo Car insurance plan?
An own damage insurance cover assists the policyholder to stay safeguard against the loss or damage caused to their own vehicle due to any kind of accident, theft, etc.
Who is eligible to buy HDFC Ergo standalone own damage cover?
Any individual who has purchased a third party insurance plan is eligible to buy an own-damage car insurance cover to offer coverage to their own car.
How is the premium calculated for HDFC Ergo Own damage car insurance plan?
The calculation of own-damage car insurance plan premium takes place based on factors like geographical zone, engine cc, car age, car make, vehicle type, etc.
Is it necessary to purchase an own damage cover for my car?
No, purchasing an own damage insurance plan for your car is not necessary.
What is the difference between own damage and a third party insurance plan?
The own damage insurance plan provides protection to the policyholder against the damages caused to their own car, while talking about the third party cover, the protection is offered to policyholders against third party person or third party property.
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