HDFC ERGO Third Party Car Insurance

The Indian traffic rules and regulations of motor vehicles are governed by the Motor Vehicles Act, 1988. The Act makes it mandatory for every car owner to obtain a car insurance policy to at least protect the third-party interest. Hence, it becomes necessary for an owner to get car insurance which covers the accidental damages caused to third-party.

The HDFC ERGO four-wheeler insurance third-party is a policy that protects the third-party damages caused by your car. It covers accidental injuries and property vandalization. If you want to become stress-free and don't want to make your pocket suffer due to any mishap, then you must consider buying an HDFC ERGO 3rd party car insurance.

How does HDFC ERGO Third Party Car Insurance Policy Work?

The claim procedure works as below-

• First of all, information is given to the insurer company- HDFC ERGO.
• FIR in the nearest police station is mandatory to file for the incident that happened.
• The FIR copy is now submitted to the insurer for further proceedings.
• The policyholder is required to submit the necessary documents to file for the claim. Afterwards, the report of the assessed claim amount is filed to the insurer company.
• The claim is now initiated by the insurance company.

HDFC ERGO Third Party Car Insurance VS Comprehensive Car Insurance

The key difference between the two will be as below-

How to Buy HDFC ERGO Third Party Car Insurance?

The HDFC ERGO third-party insurance is available both online and offline. However, buying HDFC ERGO third-party car insurance online is way more easy and quick. Follow the below steps to buy the HDFC four-wheeler third-party car insurance online- 

1. Visit the official website of HDFC ERGO- https://www.HDFCERGO.com/car-insurance/third-party-insurance
2. Submit details- Car registration details to get a quote. You can also go for “get a quote” while clicking on “Proceed without car number”.
3. Submit personal details- Details like name, mobile number, and email ID are needed to get quotes on your screen.
4. Choose- Select the third-party policy which can cater to you in the best way possible considering your budget.

By following these above simple steps, you will get the HDFC ERGO third-party four-wheeler insurance online in a hassle-free way.

What is Covered Under HDFC ERGO Third Party Car Insurance Policy?

HDFC ERGO third-party insurance for car gives you the coverage of the following financial liability-

• Third-party medical expenses- If the third party is bodily injured accidentally by your car, they will get the claim for medical expenses incurred.
• Personal damages- The HDFC ERGO 3rd party car insurance policy covers your medical expenses as well arriving out of accident incurred by your car.
• Third-party property damage- The insurance policy also protects the damages caused to third-party property up to a sum of INR 7.5 lakh.
• Death of the third party- In case of death of the third party involving your car, the coverage protects the damages.

What All is not Covered Under HDFC ERGO Third Party Car Insurance Policy?

You won’t be able to get the below coverage in an HDFC ERGO four-wheeler third-party insurance-

• Vehicle failure due to an electrical or mechanical breakdown
• The vehicle's wear and tear
• Damage caused by a driver who does not have a valid driver's licence/policy papers
• Acts of war, nuclear threats, and rebellion all inflict losses and devastation
• When a driver is under drugs or alcohol, they do significant damage
• Tube and tyre damage, unless caused by an accident
• Vehicle damage or loss due to events occurring outside of the nation
• Damage to or loss of the car's accessories as a result of a break-in or theft, unless at the same time the vehicle was stolen (applies to two-wheelers and commercial vehicles)
• Employ and remunerate usage

Key Benefits of Purchasing HDFC ERGO Third Party Car Insurance?

• Within minutes, the you can buy the policy
• Speedy and easy claim settlement
• Huge network of garages to assist you anytime
• Friendly and supportive customer support to help you throughout the journey

HDFC ERGO Third Party Car Insurance Review

The HDFC ERGO car insurance third party policy has served more than 1.5 crores of policyholders by providing them with 24/7 customer assistance. It has received the awards of “ICAI 2014-15", "ICAI 2015-16”, "Best customer experience award of the year", and many more. With a 4.4 customer rating, the company is aimed to serve the vehicle owners in their financial burden arising out of any mishap caused by/to their vehicles.