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HDFC ERGO Car Insurance

HDFC ERGO Car Insurance

HDFC ERGO Car Insurance is a comprehensive car policy offering coverage for own damage and third-party liabilities, personal accident protection, NCB benefits, multiple add-on covers, and a wide cashless garage network for hassle-free claims.

Terms & Condition

99% settlement

Approval Rate

Cashless

1 year

Policy Tenure

Claim Process

Eligibility :

    1. Indian car owners/drivers with valid Indian driving licence.

    2. Vehicle registered with valid RC (Registration Certificate).

    3. Completed KYC during purchase/renewal. (Standard regulatory requirements apply)

Documents Required :

    1. Vehicle Registration Certificate (RC).

    2. Valid Driving Licence.

    3. Identity Proof (Aadhaar/PAN). (Standard IRDAI KYC proofs)

    4. Previous insurance policy details (for renewal/NCB).

Description

HDFC ERGO Car Insurance offers a robust comprehensive policy that protects your vehicle from financial and legal liabilities arising from accidents, theft, fire, natural disasters, and third-party damages. The plan combines own-damage benefits with mandatory third-party liability cover. It includes personal accident coverage for the owner-driver and generous add-on options such as zero depreciation, NCB protection, engine & gearbox cover, roadside assistance, and more. With one of India’s largest cashless garage networks and strong claim settlement support, HDFC ERGO helps you manage repair and claim processes smoothly. The policy is typically valid for one year and can be renewed online with easy customisation.

Features

  1. Comprehensive coverage: Own damage (accidents, fire, theft, natural calamities) + third-party liability.

  2. Personal Accident Cover for owner-driver (usually up to ₹15 lakh).

  3. No Claim Bonus (NCB) up to 50% discount on renewal.

  4. Large cashless garage network (8,000 + / 12,200+ across India).

Add-ons Available:

  1. Zero depreciation cover

  2. Engine & gearbox protection

  3. Return to invoice

  4. Emergency assistance

  5. Cost of consumables

  6. Loss of personal belongings

  7. NCB protection

  8. Pay-as-you-drive (kilometer benefit)

Offer Details

  • Insurance
  • 1 year
  • HDFC ERGO

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