HDFC ERGO Standalone Own Damage Car Insurance

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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
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Claim Settlement Ratio
99
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Video Claim
Available
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Usp
-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)
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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)
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Spot Claims
Spot claims upto 20,000 via self survey and upto 50,000 via workshop survey
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close Spot claims upto 20,000 via self survey and upto 50,000 via workshop survey
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Advance Cash
Advance cash upto 50%

According to the 1988 Indian Motor Vehicles Act, you cannot drive your vehicle on roads without obtaining a car insurance policy. It helps you bear the financial losses of accidents involving your car. You must get third-party insurance at least to comply with the regulatory requirements. But it gives coverage only to losses of third-party due to your car. 

The HDFC ERGO standalone car insurance gives you protection against expenses you bear for the replacement and repair of spare parts of your car. Hence we advise you to obtain an HDFC ERGO four-wheeler standalone insurance instead of only third-party insurance. It is to be noted that you can take third-party insurance and standalone insurance from different insurers. Meanwhile, if you have already bought third-party car insurance from a different insurer, you can still buy HDFC ERGO four-wheeler insurance standalone. Nowadays, buying car insurance online has been made easier and speedy. Go to the HDFC ERGO official website to proceed with buying HDFC ERGO standalone four-wheeler insurance online.

HDFC ERGO Standalone Car Insurance Vs Third Party Car Insurance Vs Comprehensive Car Insurance

The difference between these 3 is discussed below- 

Basis for differenceStandaloneThird-partyComprehensive
CoverageIt only covers the costs of repairs and replacements of the car's spare parts. Apart from that, it protects from mishaps of accidents, theft, and disasters. A third-party insurance only covers the damages caused to a third-party such as third-party property damage, medical expenses for bodily injuries, and death of the third party involving your four-wheeler.Comprehensive car insurance covers everything that standalone and third-party insurance offer separately. It covers third-party liabilities as well as own damages..
Legal repercussionsStandalone insurance is not mandated by the law. Hence you won't attract any legal liabilities for not obtaining it. The Motor Vehicless Act has made it compulsory for every vehicle owner to obtain at least a third-party insurance policy. It is not mandatory to own comprehensive car insurance policy.
Add-onsExtra add-ons features like return to invoice, engine and gear protection, no claim bonus, zero depreciation, emergency assistance coverage,etc you can add to this insurance policy.There are no add-ons provided in the third-party insurance.This policy allows you to include add-on covers at additional premium such as return to invoice, engine and gear protection, no claim bonus, zero depreciation, emergency assistance coverage,etc
EligibilityStandalone insurance can be bought by only those vehicle owners who have a third-party liability only insurance policy in existence. All the cars are eligible for a third-party insurance cover as it is a requirement of the law.Those who want complete protection can obtain this policy. 
CostPremium is relatively lower as compared to comprehensive policy.Premium is cost-effective due to its limited coverage benefitsPremium is high as it offers maximum protection to you and you car. 

What All is Covered Under HDFC ERGO Standalone (OD) Car Insurance Policy?

The coverage in HDFC ERGO standalone car insurance has the following inclusions-

  • Accidents/Mishap- Related damages involving your four-wheeler are borne by the insurance company.
  • Four-wheeler Theft- The standalone insurance gives you protection against losses caused due to the theft of your four-wheeler.
  • Fire and Detonation- Damages caused to your car due to fire catch or explosions are also covered in the insurance policy.
  • Disasters- Natural disasters like earthquakes, landslides, etc., or human-made calamities like acts of violence and wars are covered under HDFC ERGO four-wheeler standalone insurance.

What All is Not Included Under HDFC ERGO Standalone (OD) Car Insurance Policy?

  • Third-party Damages- As it only provides coverage for repair and replacements of the car's spare parts, a third-party liability is excluded from the coverage.
  • General Devaluation- Normal depreciation due to regular usage of the car is not covered under HDFC ERGO standalone car insurance.
  • Breakdown of the Car- Mechanical and electrical breakdowns of the car's engine, in general, are not protected by standalone car insurance.
  • Driving Illegally- If you are not following the traffic regulations or you are on intoxication, then a standalone insuranc will not help you. Apart from this, damages due to driving the car for criminal activities are also not covered under the policy.

HDFC ERGO Standalone Car Insurance Benefits

There are various benefits to buying an HDFC ERGO standalone car insurance which includes the following-

  • Protection against damages due to vandalism and theft, accidental damages.
  • Damages of in-transit of the car.
  • Gives the choice of choosing more than one insurer.
  • Economical and budget-friendly.
  • Easy and quick process.

HDFC ERGO Standalone Car Insurance Review

Buying HDFC ERGO four-wheeler standalone insurance online gives you hassle-free coverage for your car's damages. With over 7900 network garages and more than 1.5 crores of happy customers, the HDFC ERGO car insurance serves you with the overnight repair of your car.

HDFC ERGO Standalone Car Insurance FAQs

  • 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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