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To ensure that your business runs smoothly
and efficiently it is imperative to protect the vehicles used for your daily
business operations. HDFC ERGO offers you package commercial vehicle insurance
policies that protect your business from a various financial losses arising
out of –
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Accidental loss or damage
to your vehicle |
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Legal liability towards
third parties for personal injury, death and property damage due to
any accident involving your vehicle. |
HDFC ERGO covers various classes of vehicles like goods carrying vehicles
- both private and public carrier, trailers, passenger carrying vehicles,
miscellaneous and special types of vehicles – mobile rig, shovels,
grader, tipper, tractor, excavator, etc.
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Over 750 authorised
networks of garages across India for cashless claims |
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Emergency assistance
services such as towing, ambulance, claims assistance, are also provided |
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Comprehensive customer support through
the HDFC ERGO’s 24x7 toll free helpline number |
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| The policy covers you for *- |
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Loss Of or Damage
To The Vehicle Insured:
Loss or damage to your vehicle caused by any one of the following
events
Accident by external means
Burglary, house break-ins or theft
Fire, explosion, self ignition, lightning
Terrorism, riots, strikes, malicious acts
Transit by road, rail, inland waterways, air or lift
Earthquake, flood, storm, landslide or rockslide |
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Liability To Third Parties:
The policy covers you for the legal liability for injury / death and/or
property damage caused to a third party in the event of an accident
caused by or arising out of the use of the vehicle. |
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Personal Accident Cover For
Owner-Driver:
There is personal accident cover for the owner/driver in case of accidental
death or permanent total disability. |
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Sum Insured
The coverage for your vehicle would depend on the manufacturer’s
listed selling price, less depreciation for each year or the IDV (Insured’s
Declared Value). The IDV would be the maximum amount payable in the
event of a claim for total loss / theft. |
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Premium
The premium for a package Motor Insurance policy
would depend on:
- Sum insured / Insured’s Declared Value (IDV)
- Type of vehicle
- Age of the vehicle
- Place of registration
- Fuel type (Petrol / Diesel / CNG / LPG)
- Gross Vehicle Weight (GVW) / Licensed Carrying Capacity (LCC)
as applicable
You can also choose a variety of optional covers
on payment of additional premium, as listed below:-
- Electrical / non-electrical items can be insured separately
- Personal accident cover for named / unnamed passengers
- Personal accident cover for paid driver / employee
- Legal liability for paid driver in connection with the operation
of the insured vehicle
- Legal liability to non-fare paying passengers
- Legal liability to employees in connection with the operation
of the insured vehicle
- Cover for lamps tyres / tubes mudguards bonnet / side parts
bumpers headlights and paintwork of the damaged portion only
- Use of commercial type vehicles for both commercial and private
purposes
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| The company shall not be liable to
pay any benefit to the insured caused due to ** |
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General aging, wear
and tear |
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Damage by a driver without
a valid driving license |
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Mechanical or electrical
breakdown, failure |
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Damage by a person driving
under the influence of liquor / alcohol / drugs |
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Depreciation, any consequential loss
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Loss / damage attributable to war
/ mutiny / nuclear risks |
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Damage to tyres / tubes, unless damaged
in an accident |
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Loss / damage, outside India |
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Damage caused by overloading or strain
of the insured vehicle |
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Damage to any bridge and/or via duct
and/or to any road and/or anything beneath by vibration or by the
weight of the insured vehicle and/or load carried by the insured vehicle |
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Please note:
* This content is descriptive only. Actual coverage is subject to
the language of policy issued.
** These are illustrative exclusions. For a detailed list, kindly
refer to the policy wordings.
Disclaimer:
Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
Certified Corporate Agent's License No. HCG 933982 |
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