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- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/insure.svgINSURE
- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/vehicle_insurance.svgVehicle
- Private Car Insurance
- HDFC Ergo Private Car Insurance
HDFC Ergo Private Car Insurance
Complete liability and damage cover for car

Features and Benefits
Features and BenefitsSecure your prized vehicles with the HDFC ERGO Private Car Insurance Package Policy. You can avail a host of discounts and cashless claims. Here are some of the features of the policy:
- Cashless Claim Service: Cashless Claim Service over 7,500+ authorized network of garages across India.
- Discounts: Benefit from a range of discounts offered on the HDFC ERGO Private Cars Insurance policy, such as Automobile Association Discount and discounts based on age and profession.
- Online convenience: Take maximum advantage of buying and renewing the policy online.
Private Cars Insurance policy offer
Private Cars Insurance policy offerHere are the details regarding the coverage that the package Motor Insurance policy offers:
The policy covers loss or damage caused to your vehicle 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
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.
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.
Insured Declared Value:
The Insured Declared Value for your vehicle would depend on the manufacturer’s listed selling price less depreciation for each year. The IDV would be the maximum amount payable in the event of a claim for total loss / constructive total loss.
Premium:
The premium for a package Motor Insurance policy would depend on the following.
- 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
Exclusions
ExclusionsThe following are the exclusions on the policy that you should note**.
- General ageing, wear and tear
- Damage by a person driving without a valid driving license
- Mechanical or electrical breakdown, failure
- Damage by a person driving under the influence of liquor / alcohol / drugs
- Depreciation, any consequential loss
- Loss / damage attributable to war / mutiny / nuclear risks
- Damage to tyres / tubes, unless damaged in an accident
- Loss / damage, outside India
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. CA00100
Claims procedure
Claims procedureIn the event of any claim, call HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim at the earliest. Once you provide your policy number as reference and register the claim, follow the procedure as below:
- Request for help with towing / ambulance services (if required) and claim formalities
- If the vehicle can be driven, take it to the nearest dealer / garage
- Get a repair estimate, fill up the claim form and attach a copy of the Registration Certificate and license of the person driving the vehicle at the time of the accident
- Avail of the 'Cashless Claims' facility in a garage within our network. However, if the garage is outside the purview of our network, you will have to get the claim reimbursed subsequently
- Pay for non-accident related repairs, depreciation and a small deductible.
- Sign the repairer’s satisfaction voucher.
The Claim form and other documents related to the nature of loss can be collected from you by HDFC ERGO personnel. Alternatively, you may send them to HDFC ERGO Claims Processing Cell at the following address:
HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri – East, Mumbai- 400 059, India
The documents required to process the claim are as follows:
In case of an Accident:
- Duly filled and signed claim form
- Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims
In case of Theft:
- Duly filled and signed claim form
- Registration Certificate (RC)
- Original policy copy
- Copy of FIR (First Information Report) lodged at the nearest police station
- All original keys
- 'No trace report' confirming that the stolen vehicle is not traceable
In case of a Legal Liability Claim:
- Duly filled and signed claim form
- Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Original policy copy
- Copy of FIR (First Information Report) lodged at the nearest police station
- Legal notice (if any received by you)
- Vakalatnama – authorising us to handle the case on your behalf
To download the claim form, Click here
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. CA0010
Already have Private Cars Insurance?
Already have Private Cars Insurance?- You can avail a cashless claim service from a network of over 7,500+ authorized garages across India.
- You can avail a no claim bonus, a discount as an Automobile Association Member and a discount based on your Age and Profession.
- You can get comprehensive support from our dedicated customer support team.
You may also benefit from:
- A Health Suraksha Policy that provides you optimal coverage for your treatment, including all pre and post hospitalization costs.
- A Critical Illness Insurance Policy that gives you lump sum amounts required to treat critical illnesses and pay for associated treatment.
FAQs
What is car insurance?
Car insurance is a type of insurance policy required to provide protection to your vehicle against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to use of your vehicle is covered under car insurance. As per the Motor Vehicle Act, it is mandatory to buy a liability only policy without which one cannot use the vehicle on road.
What is a comprehensive insurance policy?
A comprehensive insurance policy provides protection to your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.
Should I buy a comprehensive or a third party car insurance cover?
As per law, only third party liability only policy is required without which one cannot use the vehicle on road. However, under third party liability only policy, any damage to your vehicle due to fire, theft, earthquake, terrorism etc is not covered and it could result into a huge financial loss. Therefore, it is recommended to buy a comprehensive cover as it provides financial protection along with protection from third party liability.
What are the various types of car insurance policies?
There are two type of car insurance policies – comprehensive and liability only policy
What are the various long term policies available for car insurance?
As per the Supreme Court directive, with effect from 1st Sept, 2018, every brand new car owner has to buy a long term policy. You may choose from the following long term policies for your prized possession:
1. Liability only policy for 3 years policy duration
2. Package policy for 3 years policy duration
3. Bundled policy with 3 years liability cover and 1 year cover for own damage
Is car insurance policy mandatory?
Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.
What is Zero depreciation cover or bumper to bumper coverage?
Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your vehicle without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charges and will be eligible for full claim amount subject to terms and conditions of the policy.
How does emergency assistance programme work?
Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like assistance in case of breakdown, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits.
What is No Claim Bonus?
Quite simply, it's a discount in the Own Damage Premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents.
All types of Vehicles % of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance 20%
No claim made or pending during the preceding 2 consecutive years of insurance 25%
No claim made or pending during the preceding 3 consecutive years of insurance 35%
No claim made or pending during the preceding 4 consecutive years of insurance 45%
No claim made or pending during the preceding 5 consecutive years of insurance 50%
What happens when I wish to renew my expired policy?
You can easily renew your expired policy online. You need to download Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.
What happens to my No Claim Bonus while renewing an expired policy?
No Claim Bonus is valid up to 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.
What is IDV? What are the factors deciding IDV?
The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and the model of the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.
AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%
What are the benefits of buying car insurance online?
No paperwork and physical documentation are required and you will get your policy instantly.
What will happen when you sell your car?
Existing insurance policy can be transferred in the name of buyer by passing an endorsement. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery shall be required to pass an endorsement under the existing policy.
or
You may cancel the existing policy. Supporting documents like sale deed/form 29/30 shall be required to cancel the policy.
How can I transfer my No Claim Bonus to a new vehicle?
Existing vehicle has to be sold off on the basis of which an NCB reserving letter would be issued by the existing insurer. On the basis of the NCB reserving letter, this benefit can be transferred to the new vehicle
What is the procedure to transfer my insurance?
You need to approach the insurer with supporting documents for transfer of insurance. Supporting documents would include sale deed/form 29/30/NOC of seller, Old RC copy, Transferred RC copy and NCB recovery amount.
How do I renew my expired car insurance policy?
You can easily renew your expired policy online. You need to download HDFC ERGO Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.
How can I register a claim if I have a HDFC ERGO Car Insurance policy?
You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app
What is the procedure to register a new claim?
You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app
How much time will it take to repair minor damages?
With Overnight Repair Facility, repair of minor damages shall be completed overnight. Facility is available only for private cars and taxis. Process for overnight repair facility is mentioned below
- Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).
- Our team will reach out to the customer and request for vehicle damage photos.
- Damages limited to 3 panels will be accepted under this service.
- Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.
- Customer saves on the time they have to spend on driving to and back from the garage.
- Currently this service is available in 13 selected cities which are Delhi, Mumbai, Pune, Nagpur, Surat, Vadodara, Ahmedabad, Gurgaon, Jaipur, Hyderabad, Chennai, Kolkata, and Bangalore.