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You can trust our HDFC ERGO policy to protect
your vehicle, your most prized possession. Our policy ensures that your
vehicle is safeguarded no matter what the mishap. With HDFC ERGO you don’t
just enjoy the benefits of motor insurance but also receive post accident
assistance, when you need it.
With a focus on package policies for private cars, HDFC ERGO General Insurance
offers you total convenience, professionalism and understanding.
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Cashless Claim Service
over 1400+ authorized network of garages across India. |
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Avail a host of discounts
- No Claim Bonus, Discount for Automobile Association Members, Discount
based on Age and Profession |
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Comprehensive support
through our dedicated customer support team |
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Say No to lengthy procedures
- BUY & RENEW ONLINE |
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| A package Motor Insurance policy would
cover the following *:- |
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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, housebreaking 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 would also cover any legal liability arising out of injury
to or death of a third party and property damage of a third party
in case of an accident involving your vehicle. |
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Personal Accident Cover For
Owner-Driver:
The policy also provides compulsory personal accident cover for owner-driver
for an amount of Rs. 2 Lakh in case of accidental death and 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)
- Age of the vehicle
- Place of registration
- Fuel type (Petrol / Diesel)
You can also choose to opt for a variety of 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
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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 person driving
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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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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