HDFC ERGO Own Damage Car Insurance

HDFC Ergo General Insurance Company Limited was formed in the year 2002 as a joint venture between HDFC and Ergo International AG. The company has 200+ branches across 170+ Indian cities. HDFC Ergo also has an impeccable reputation among its 1.5 crore + customers and enjoys a claim settlement ratio of 100%. Headquartered in Mumbai, Maharashtra, the company offers a wide range of general insurance products from health, car, bike, travel and personal accident cover to customised products like property, marine, and liability insurance.

Within Car Insurance, the company offers third-party, standalone own damage as well as comprehensive car insurance. On this page, you will learn about what standalone own damage insurance is, key features of and how to buy HDFC Car standalone own damage insurance, benefits of buying HDFC Ergo car insurance from InsuranceDekho, documents required to buy own damage car insurance, claim assistance and inclusions and exclusions within the insurance and some frequently asked questions.

What is Standalone Own Damage Car Insurance?

Own Damage or standalone own damage car insurance is a type of insurance designed specifically to protect you financially from any damage, loss, theft or accident-related issues occurring to your four-wheeler. A standalone own damage car insurance

Key features

Here are the key features of HDFC Ergo standalone own damage insurance:

• Cashless Garages: HDFC Ergo has one of the highest number of cashless garages in the country. With 8000+ cashless garages, you never have to worry about any repair or damage issues arising when on the road or in your city.
• Overnight Vehicle Repairs: With an overnight vehicle repair which is available in several cases, you can be rest assured to get your car delivered the next day after being repaired.
• 24*7 Roadside Assistance: In case you get stuck on the road due to a damage or malfunction of your car, or if you are in an accident, HDFC Ergo’s roadside assistance makes sure you have someone to rely on. They offer a 24*7 roadside assistance and is available anytime of the day in case you have an emergency.

How To Buy HDFC Ergo’s Standalone Own Damage Car Insurance?

Before you start the process of buying your HDFC Ergo standalone own damage car insurance, keep the following documents handy:

1. Your mobile number on which you’d like to receive OTP
2. Your KYC details

Purchase HDFC Ergo Own Damage Insurance Policy with InsuranceDekho

There are two ways of buying your policy - online and offline. Here’s the quick and easy process of buying your HDFC Ergo own damage car insurance from InsuranceDekho:

Online Process

Step 1: Visit InsuranceDekho’s Website

Once you log on to www.insurancedekho.com, visit the homepage for Car Insurance

Step 2: Write your vehicle number e.g. DLXXAKXXXX

Enter your vehicle details in the form that you will find on the car insurance homepage

Step 3: Select the plan offered by HDFC Ergo

Once you enter your vehicle details, the page will automatically present you with all the top quotes from different insurers offering standalone own damage policies. Ensure that on top of the list, you have selected ‘Own damage’ in the ‘Type’ filter. Select the quote from HDFC Ergo or the insurer of your choice and click on it to continue.

Step 4: Select your Add-ons

You will now have the options to select the add-ons you want in your policy and continue. Note that your premium increases slightly with every add-on you select.

Optional Step: Connect with an InsuranceDekho Advisor

Click on the "request a call back" option to get connect with an InsuranceDekho advisor who will be able to help you with any query that you may have. You can aslo speak to the advisor and seek assistance in choosing the best plan for you based on your requirements.

Step 5: Complete your KYC process

Enter your KYC details along with your mobile number and proceed ahead.

Step 6: Verify your details

After finishing your KYC, you will see a pre-filled form with your vehicle details. Cross-check them, provide corrections in case necessary and press proceed.

Step 7: Complete the payment process

Make your payment with the help of UPI, credit or debit card or the other methods mentioned there.

Congratulations! You have bought yourself a standalone own damage car insurance from HDFC Ergo through InsuranceDekho.

You will now be able to download your policy document.

Offline Process

To follow a traditional process of buying insurance offline, you can reach out to our customer support team at 7551196989, or write an email to support@insurancedekho.com and book a home visit from our relationship manager.

Purchase HDFC Ergo Insurance Policy via Insurer’s Website

Alternatively, you can also opt to buy your own damage car insurance from HDFC Ergo’s website by following the process mentioned on the insurer’s website.

Benefits of Buying Your Car Insurance from InsuranceDekho

We at InsuranceDekho are primarily focused in resolving our customers’ queries and serving to their requirements. Here’s why you should choose us for all your insurance-related needs:

• Certified Broker: InsuranceDekho is an IRDAI-certified broker and has been in the insurance industry for over 8 years.
• Trusted Brand: As part of the CarDekho Group, which is a renowned brand in car and auto technology for more than 15 years, we are trusted for motor insurance from a variety of individuals.
• Comprehensive Offering: We offer a wide range of insurances in retail and in B2B.
• Quality Services: We are available to assist you quickly and promptly 24*7.
• Dedicated Claim Support: If you join us, an executive will be assigned to you who will assist you throughout your claim settlement process.

Documents required to buy HDFC Ergo standalone damage car insurance

Here’s a list of what you will require to purchase your SAOD car insurance:

1. A government provided identification proof:

• Passport
• Driving licence
• Aadhar
• PAN card
• Any other Government-issued photo ID

2. Proof of address will be required, which can be any of:

• Passport
• Driving licence
• Bank or post office passbook
• Government issued address proof

3. A recent passport-size photograph

4. Driving licence

5. Your vehicle RC (Registration certificate)

How Does a Standalone Own Damage Car Insurance Policy Work?

A standalone own damage car insurance policy is a type of car insurance that gives you financial protection in case of damages caused to your own vehicle, regardless of what leads to the damage. This policy is different from the third-party insurance policy, which covers damages caused to others in case of an accident.

HDFC Ergo Own Damage Car Insurance Claim Process

Follow the below given steps to file your claim with HDFC Ergo:

How to File a Claim

Right after the damage or accident, make sure you gather all necessary proof that may be required like taking pictures and videos of the location, your vehicle, the third-party’s vehicle etc. Make sure you have filed an F.I.R with the police and have shared the proofs gathered from the location of the accident.

Now, to file a claim first inform HDFC Ergo about the damage either through InsuranceDekho or directly and follow the steps mentioned below:

Step 1: Register your claim

Visit HDFC Ergo’s website and register your claim. For doing so, either follow the steps mentioned on the insurer’s website or connect with an insurance advisor of InsuranceDekho or HDFC Ergo for assistance.

Step 2: Take the car to a network garage

Once you have registered your claim, you will get a claim reference number, keep this handy. Now you can go to any HDFC network garage and get your repairs done.

Step 3: Submit Documents

Attach all the documents like F.I.R, claim reference number, cashless garage receipt of repair, etc on the HDFC Ergo portal.

Step 4: Sit back and Relax

Once you have completed and submitted all the documents, HDFC Ergo’s claim settlement team will review all the documents and get back to you. Note that any deductible or damage that was there before or cost of repair that was not covered or was part of your insurance will be borne by you.

Please note that in case your car was stolen, there will be a total of 60days before your claim can be settled. [3]

Documents Required

• Copy of RC
• Copy of the driving licence of the person driving during the incident ( if applicable)
• Copy of FIR ( if applicable)
• Original estimate of repair cost
• Receipt of payments made which is eligible for reimbursement
• Policy certificate
• Original claim form along with NEFT mandate form (NEFT form is required only for non-cashless cases).

Claim Assistance

You can also choose to get claim assistance from InsuranceDekho. You can do so by emailing us at support@insurancedekho.com or by calling us on our toll free number 7551196989.

Please note that we will be able to assist you with all the required documents to be gathered, all proofs to be submitted and in the process of submission of your claim form only. InsuranceDekho will not be responsible for providing you the claim. It is solely on the discretion of HDFC Ergo which is your insurer.

Covered Vs Not Covered Under HDFC Ergo Standalone Own Damage Car Insurance Policy?

Here are the details of all inclusions and exclusions under your HDFC Ergo car insurance:

Covered

• Accidents: Damages caused due to an accident or any form of collison are covered under HDFC Ergo own damage car insurance.
• Fire & Explosions: Any damage to your car caused by fire or explosion are all covered in your SAOD car insurance.
• Theft: In case your car gets stolen and you have an own damage insurance, you will have complete peace of mind as you are financially covered for that with an HDFC Ergo SAOD car insurance.
• Natural & Man-made Disasters: You are also covered for calamities like earthquake, flood or any other natual disaster and vandelism, fire or any such man-made disasters under HDFC Ergo own damage car insurance.

Not Covered

Here are some of the top exclusions under HDFC ERGO standalone own damage car insurance:

• Intentional Theft or Damage: In case you have intentionally caused damage or theft of your car, HDFC Ergo will not cover the charges for that under SAOD car insurance.
• Depreciation of Car Price: Unless you have chosen the zero-depreciation add-on, the depreciation value of your car is not covered under HDFC Ergo car insurance.

• Electrical & Mechanical Breakdown: Unless caused by an accidental damage, the losses of any sort of electrical or mechanical breakdown is not covered under HDFC SAOD car insurance.

• Drunk Driving: If you are driving under the influence of alcohol, and get into trouble due to an acident, your insurer will not bear the cost of repair or damage to your car.

• Driving Without License or With an Invalid License: In case you are driving without your license or with an invalid license and you get into an accident or damage caused to your car, your insurer will not cover the cost of repair.

• Driving Under The Influence of Drugs: In case you are driving in the influence of contraband drugs, you wil not receive any financial help from your insurer.

Factors that Affect Your Own Damage Car Insurance Premium

The factors that are mentioned below are some of the most common parameters affecting the premium of your standalone own damage car insurance from HDFC Ergo:

• Registration year: One of the parameters that is responsible in determining the price of your premium is age of the car. The older your car, lowe the premium you pay.

• No Claim Bonus (NCB): You are eligible for a no-claim bonus or NCB discount on your next premium if you do not raise any claim in the previous year.

• IDV ( Insured Declared Value): The current market value of your car is referred to as IDV. It is one of the most crucial factors in determining the price of premium.

• Add-ons: The number of add-ons you opt for also impact the cost of the premium you will pay for your SAOD car insurance.

• Make, Model, Variant: The make, model, and variant of your vehicle also result in determining the price of premium you will be paying. Usually, sports and luxury cars have a higher premium cost.

These are some of the benefits of purchasing a standalone own-damage policy from HDFC ERGO:

• Offers protection against road accidents, fires, theft, vandalism and other mishaps.
• No Claim Bonus available for every claim-free year.
• Add-on covers to further enhance your policy available.

How To Purchase HDFC ERGO Standalone Own-Damage Policy?

Below-mentioned are the steps to purchase a HDFC ERGO standalone own-damage policy:

Step 1: Visit our website InsuranceDekho and select the car insurance tab. From the drop-down menu select ‘Standalone Own Damage’.

Step 2: Enter your car’s registration number. If you do not have this information you can also enter its make, model and year of registration.

Step 3: Provide your personal details and select ‘Submit and Get Quotes’.

Step 4: Quotes for standalone own-damage policies will be visible on the screen. Select the offer by HDFC ERGO and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected HDFC ERGO standalone own-damage policy and the policy document will be sent to your registered email ID.