HDFC ERGO Car Insurance FAQs

The following add-on covers are available under HDFC Ergo Car Insurance Policy:

• Zero Depreciation Cover
• No Claim Bonus Protection
• Return to Invoice
• Engine and Gearbox Protection
• Emergency Assistance Cover
• Downtime Protection Cover

The incurred claim ratio of the HDFC Ergo General Insurance Company is 82%

Visit the link https://customersupport.hdfcergo.com/claims/claim-status.html? To check your HDFC Ergo Car Insurance Claim status online

The following are simple steps to download the car insurance policy document:

• Visit the official website of the insurance company
• Click on the option download an e-copy of your policy. 
• enter your policy number and registered mobile number
• Once you enter the required details an OTP will be sent to the registered mobile number for verification. 
• Enter the OTP in the given space and provide your registered email ID. 
• A copy of your car insurance policy will be sent to your mail ID in PDF format. 
• In this manner, you can download the car insurance policy document online.

The claim settlement process of HDFC Ergo General Insurance Company is quickest. The claim is settled as soon as all the relevant documents are received by the insurance company.

No, the company does not offer a pay-as-you-drive feature.

You should obtain your HDFC ERGO renewal two-wheeler 45 or 60 days before your HDFC ERGO car insurance expiry. You may also choose auto-renewal.

You must submit the below list of documents at the time of renewal-

1. Identity proof issued by the government such as PAN, aadhar, passport, or voter ID card
2. Valid driving licence
3. Address proof- passport or bank passbook
4. Latest passport-sized photographs
5. Vehicle RC details
6. Pollution under control (PUC) certificate
7. Old policy number
8. In the case of online banking- credit/debit card details

The coverage will start from the date of payment.

You will need to bear all the expenses related to accidental damages, and as a consequence, you may need to bear substantial financial losses.

You may contact HDFC ERGO customer care or check your policy document. You can also fill your registered number and email ID in place of the policy number to proceed.

Here is the link to download the HDFC ERGO four-wheeler claim form- https://www.hdfcergo.com/download/claim-form

At HDFC, you get the below types of HDFC claims form for four-wheeler-

1. Loss of personal belongings- private four-wheeler policy bundled
2. Loss of personal belongings- a private four-wheeler package policy 
3. Loss of personal belongings- Own standalone damage
4. Motor insurance

The HDFC ERGO car insurance claim settlement ratio is very high, yet you need to follow the below measure before proceeding with the claim-

1. Must keep policy documents in your car
2. Don't drive while drunk
3. Avoid breaking traffic rules
4. You must know about the inclusions and exclusions in your policy

Do not do these things if you don't want a claim rejection-

1. Don't move the car from the spot
2. Provide all details about the accident
3. You must not make a settlement with the third-party without informing the company
4. You should not sign the claim settlement form without proper review of policy docs

You can send emails to care@hdfcergo.com to know more about claims.

You can get in touch with HDFC ERGO at their customer care number 022 6234 6234 for your duplicate HDFC ERGO car download.

The following details are contained in HDFC ERGO car insurance policy documents-

• Type of Policy
• Policy tenure
• Policy number
• Discounts and necessary deductibles
• Insured declared value and premium
• Coverage and exclusions
• T&C of the coverage
• How to file a grievance
• Vehicle details
• Personal details of the policyholder

You can download the application on your mobile and manage all your insurance policies. In addition, you can get an HDFC four-wheeler insurance copy download from the application itself. 

To protect yourself from any mishaps in the future, you must maintain the documents in your car while you are driving. However, in the era of technology, you can keep your policy documents on your mobile. All you need is to get your HDFC four-wheeler insurance downloaded from the website. 

You can make changes by visiting the website- https://selfhelp.hdfcergo.com/SelfHelp. 

You will get the following features in HDFC ERGO downtime safety cover:

• Reimbursement of up to INR 500 for private cars
• Maximum 15 days of the overall loss or the theft claim
• Maximum 5 days of protection for partial loss
  • Maximum 3 times coverage for partial loss

When purchasing your car insurance policy, you will get the option to choose add-ons. You can visit the official website for more details.

Even if you did not have any add-on covers in your existing car insurance policy, you still get the option to choose add-ons when you renew your car insurance policy online at HDFC ERGO.

No, buying add-ons is an optional choice. However, it is advisable to purchase suitable add-ons along with your car insurance policy to protect yourself from unknown mishaps, which usually a basic policy does not offer.

Yes, you can add as many additional covers as you wish to your car insurance policy. HDFC offers you six different add-ons to choose from.

• Zero depreciation
• NCB
• Engine and gear protection
• Exigency assistance cover
• Downtime protection of your car
• Return to the Invoice value

You can either cancel your policy or transfer it to the new party along with supporting docs like form 29/sale deed/NOC etc.

You can easily do so through the endorsement process hence can get in touch with the company for making the necessary changes.

Yes, HDFC ERGO does repair the accidental breakdown/damages of your car.

• Cashless paperwork
• 24*7 customer service
• Instant quotations
• Issued within minutes
• Payment reminder before every due date
• No interference from any other person/agent

As per the new provisions of the traffic regulations, it has now become mandatory to pay the third-party car insurance premium three years in advance.

The third party insurance is a mandatory requirement by the laws, but you are advised to protect yourself and the car with another policy such as comprehensive.

You must file the claim within 36 to 48 hours to HDFC ERGO. The company then instantly initiates the claim process with no paperwork required.

Yes, even if somebody else was riding your car, you are eligible to file for a third-party insurance claim.

You (policyholder) are the 1st party, whereas HDFC ERGO (Insurer) is the 2nd party.

No, number of claims on your zero dep insurance are covered as long as the total amount of claims is less than the sum insured.

Yes, a zero dep cover can be obtained only for a new car or a car less than 5 years old.

You need to pay only a few service charges or a base deduction as described in your policy.

Yes, you are eligible for a no-claim bonus for every claim-free year on an accumulated basis.

Follow the steps below-

• Follow the track of renewal dates
• Submit the policy details
• Follow the instructions at HDFC ERGO’s website
• Pay for the premium
• Renewal gets started

Unluckily, a standalone does not give coverage for third-party liabilities. Hence you must have a third-party liability insurance policy before purchasing the HDFC ERGO standalone car insurance.

Since the laws have made it a mandatory requirement for personal accident cover, it is compulsory to own a PA cover. However,  you have to buy a PA cover separately along with your standalone policy as it is not inlcuded in any car insurance policy. 

The premium depends upon the following factors-

• Insured declared value
• Engine capacity
• Car's model, varaint and age
• City where you are driving it
• NCB
• Deductibles

Follow the below tips to reduce the standalone insurance premium amount-

• Provide accurate IDV
• Go for zero depreciation for old vehicles
• Increase the voluntary deductible money percentage
• Go for only necessary add-ons
• Use your NCB and other discounts through installing anti-theft devices

Yes, you can calculate the premium by using HDFC ERGO's efficient premium calculator on its website.