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  • CASHLESS GARAGES 8000+
  • CLAIMS SETTLED 100%
  • 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?

What is Car Insurance Premium Calculator?

A car insurance premium calculator is an online tool that tells you the right insurance premium amount for your car. The calculator takes into account the details related to your car like its make, model variant, and fuel type and instantly gives you the premium amount which you should be paying for its insurance plan. The premium calculator also incorporates the No Claim Bonus, if applicable, to the premium amount of your car insurance plan.

How to Use HDFC Ergo Car Insurance Premium Calculator?

You can use the HDFC Ergo Car Insurance calculator by following the below-mentioned steps:

Step 1: Choose your Car’s Make, Model, Variant, and Fuel Type.

Step 2: Select the Car’s Registered City. Also, select the car’s Year of Purchase.

Step 3: Tell us if you are eligible for a No Claim Bonus.

Step 4: Click on ‘Calculate’ and you are done. The correct IDV and car insurance premium amount will be displayed to you.

Benefits of HDFC Ergo Car Insurance Premium Calculator

The HDFC Ergo Premium calculator comes with the following benefits:

  1. (IDV) of your car - IDV is the market price of your car. It is the amount which you get as compensation in case of theft of your car and in cases which the car has got more than 75% damaged (total loss).
  2. Correct Premium - The premium calculator helps you know the correct premium amount for the insurance plan of your car.
  3. Helps you Make an Informed Decision - The knowledge of right IDV and premium amount helps you make an informed decision.
  4. Helps You Choose the Right Plan - By knowing the right IDV and insurance premium amount of your car, you can easily compare all the available insurance plans and choose the one which suits your requirements and budget in the best manner.

Third Party Car Insurance Premium Rates

Engine Capacity

Premium To Buy A New Policy (3-Year Plan)

Premium To Renew Existing Policy (1-Year Plan)

Under 1,000 cc Rs. 5,268 Rs. 2,072
Between 1,000 cc and 1,500 cc Rs. 9,534 Rs. 3,221
Above 1,500 cc Rs. 24,305 Rs. 7,890

(Source:IRDAI)

Premium for Comprehensive and Standalone Own-Damage Car Insurance Plans

The premium amount for comprehensive and standalone own-damage car insurance plans depends on a number of factors like the make, model, variant, fuel type of your car, the car’s engine capacity, etc. The Premium Calculator factors in all these factors and tells you the premium amount for your car in just minutes.

Must Read Articles before buying Hdfc Ergo Car Insurance

Hdfc Ergo Car Insurance User Reviews

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

  • 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.

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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

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Cashless Garages in Popular Cities

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