HDFC ERGO Car Insurance FAQs

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HDFC ERGO Car Insurance Highlights

HDFC ERGO (Car Insurance)
HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG. Key highlights of its insurance offering are- • 8562+ network garages • Digital survey for vehicle claims • 96% within one day ""cashless claim settlement"" • Overnight vehicle Repairs (available for cars in 16 cities) • Paperless claim processing
Claim Settlement Ratio
Video Claim
-6800+ private car cashless garages across country -WhatApp and mobile enabled claim intimation -Same day settlement of Reimbursement claims -Overall 89% claims settled within 1 day of last document submission - Accidental repair warranty- Yes, 3 months or 3,000 kms whichever earlier* (* in Select workshops)
close -6800+ private car cashless garages across country -WhatApp and mobile enabled claim intimation -Same day settlement of Reimbursement claims -Overall 89% claims settled within 1 day of last document submission - Accidental repair warranty- Yes, 3 months or 3,000 kms whichever earlier* (* in Select workshops)
Spot Claims
Spot claims upto 20,000 via self survey and upto 50,000 via workshop survey
close Spot claims upto 20,000 via self survey and upto 50,000 via workshop survey
Advance Cash
Advance cash upto 50%


  • 1. How many add-on covers does the HDFC Ergo Car Insurance Company offer?

    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
  • 2. What is the incurred claim ratio of the HDFC Ergo Car Insurance Company?

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

  • 3. How can I check my HDFC Ergo Car Claim status online?

    Visit the link To check your HDFC Ergo Car Insurance Claim status online

  • 4. How can I download my HDFC Ergo Car Policy Document 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.
  • 5. How long does the HDFC Ergo Company Limited take to process and settle car insurance claims?

    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.

  • 6. Does the HDFC Ergo Company offer pay-as-you-drive car insurance?

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


  • 1. When should I obtain my HDFC ERGO four-wheeler renewal?

    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.

  • 2. What documents are required at the time of HDFC ERGO insurance renewal car?

    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
  • 3. When will my HDFC ERGO car insurance renewal start getting covered?

    The coverage will start from the date of payment.

  • 4. What happens if I don’t renew my car insurance policy?

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

  • 5. 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.


  • 1. How can I download my HDFC ERGO claim form for a four-wheeler?

    Here is the link to download the HDFC ERGO four-wheeler claim form

  • 2. What are the types of HDFC ERGO four-wheeler insurance 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
  • 3. What precautions should I take for an easy and speedy HDFC ERGO car insurance claim settlement?

    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
  • 4. What are the things that I need to avoid at the accident spot to avoid claim rejection?

    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
  • 5. What is the email address of HDFC ERGO to contact for more info on claims?

    You can send emails to to know more about claims.

Policy Download

  • 1. Can I get a duplicate copy of my HDFC four-wheeler insurance download?

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

  • 2. What all an HDFC ERGO car insurance policy document contains?

    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
  • 3. Can I download my HDFC ERGO four-wheeler insurance policy from HDFC's mobile application?

    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. 

  • 4. Is it mandatory to maintain car insurance policy documents every time while driving?

    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. 

  • 5. What is the official website link to change my HDFC ERGO car insurance policy document?

    You can make changes by visiting the website- 

Add On Covers

  • 1. What are the features of the HDFC ERGO downtime protection add-on cover?

    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
  • 2. How can I buy HDFC ERGO four-wheeler insurance add-ons online?

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

  • 3. Is it possible to buy HDFC ERGO four-wheeler insurance add-on covers online at the time of renewal when I did not have any add-ons in my original car insurance policy?

    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.

  • 4. Is it mandatory to buy add-on covers in a car insurance policy?

    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.

  • 5. Is it allowed to add multiple add-ons to one car insurance policy?

    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.


  • 1. What are the 6 add-ons that HDFC ERGO comprehensive car insurance offers?

    • Zero depreciation
    • NCB
    • Engine and gear protection
    • Exigency assistance cover
    • Downtime protection of your car
    • Return to the Invoice value
  • 2. What will happen to the comprehensive car insurance if I sell my car?

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

  • 3. Am I eligible to make changes to my HDFC ERGO comprehensive car insurance policy?

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

  • 4. Does HDFC ERGO cover the breakdown and accidental damages to my car?

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

  • 5. What are the advantages of buying HDFC ERGO comprehensive car insurance online?

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


  • 1. What is the new law for paying the premium for third-party insurance?

    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.

  • 2. Is it enough to obtain HDFC ERGO third-party car insurance only to protect me against the damages?

    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.

  • 3. In how many hours should I file a claim for my HDFC ERGO third-party car insurance after the accident?

    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.

  • 4. Is it possible to still file for a claim if someone else was driving my car while the accident happened?

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

  • 5. Who are the first and second parties in my HDFC ERGO third party car insurance?

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

Zero Depreciation

  • 1. Are there any limits on the number of claims if I buy my HDFC ERGO four-wheeler zero dep online?

    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.

  • 2. Is HDFC ERGO zero dep cover only applicable exclusively for new cars?

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

  • 3. How much cost is required to obtain a zero dep add-on?

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

  • 4. Can I get a no-claim bonus in HDFC ERGO zero depreciation add-on cover?

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

  • 5. How can I renew my HDFC ERGO zero dep add-on insurance?

    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

Own Damage

  • 1. Can I purchase standalone insurance for my car if I don't have any third-party insurance cover?

    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.


  • 2. Can I get personal accident cover in my HDFC ERGO standalone 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. 

  • 3. What are factors HDFC ERGO considers in the calculation of standalone own damage insurance premium?

    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


  • 4. Can I reduce my standalone own damage premium? If yes, then how?

    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


  • 5. Is standalone own damage premium calculator available on HDFC ERGO's website?

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

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