Car insurance is an essential investment. It helps you to bear the financial liability in case of an unprecedented event. HDFC Ergo is one of the most reputed insurance providers in India. It has multiple options for car insurance plans. If you have been planning to purchase or renew your car insurance, this article provides you with a complete guide on this topic. This includes purchase, HDFC Ergo car insurance download, HDFC Ergo car insurance policy renewal, claim procedure, and other useful information.
Table of Contents
Types of Car insurance provided by HDFC Ergo
HDFC Ergo offers following types of insurance plans for cars to fulfill the unique requirements of every customer. Let’s look into the details of the types of insurance for cars.
1. HDFC Ergo car insurance third party: This insurance plan fulfills the mandate requirement for your car as per the Motor Vehicles Act, 1988. It covers the financial liabilities of any third-party damage incurred due to the registered car. The financial coverage includes physical injury, disability, death, and property damage of the third party. You cannot add any add-on to this plan.
2. Single Year Comprehensive Plan: This insurance plan provides comprehensive financial protection against third-party liabilities as well as own car damage. You can choose available add-ons to enhance the insurance coverage at a slightly greater premium.
3. Stand Alone Own Damage Plan: If you already own a third-party insurance plan, this insurance plan completes your insurance protection for the car. It covers the financial expenses of any damage caused to the registered car due to accident, natural and man-made disaster, theft, etc. You have the option of availing of add-ons.
4. Cover for Brand New Car: This insurance plan is specifically designed for new car owners. It provides one year of own damage insurance and three years of third-party insurance. You may further enhance the protection of your car by purchasing add-ons.
5. Long Term Comprehensive Plan: This plan provides the same facilities as a single-year comprehensive plan but for a longer tenure.
Features
1. 8000+ network garages for cashless repair and replacements
2. Round the clock active customer helpline
3. Up to 70% discount on premiums
4. Quick and easy renewal
5. Availability of multiple Add-on covers such as Zero depreciation, Engine, and Gearbox protector, NCB protection cover, consumable cover, return to invoice cover, and emergency assistance cover.
Benefits
1. Paperless insurance purchase and renewal through the online portal.
2. Overnight Car repair service.
3. AI-assisted claim settlement.
4. 24×7 roadside assistance.
How to buy DHFC Ergo insurance for cars?
You can purchase this insurance by the following means.
1. Visiting the nearest branch or contacting an insurance agent of the insurer.
2. Visit the official website, click here, enter vehicle registration number, click on “Get a quote”. Alternatively, you may click the “Proceed without car number”. Enter make, model, registration year, etc. along with email Id and contact number. After receiving the quote, proceed to buy the policy by paying the premium. You have to use online payment modes such as debit card, credit card, netbanking, etc.
3. You can dial 022 6242 6242 for assisted online insurance policy purchase.
If you have purchased the insurance plan, you will receive the policy documents through email. For HDFC Ergo car insurance policy download, go to the email and download the attached document.
Click here to Buy HDFC Ergo Car Insurance online
Renewal of HDFC Ergo Car Insurance
For renewal, you may visit the nearest branch or contact your insurance agent. For HDFC Ergo car insurance online renewal, go to the official website, click here, click on “Renew existing policy”. Alternatively, you can use HDFC Ergo car insurance login to get into your account and renew the policy.
If you are confused about premium, use the HDFC Ergo car insurance renewal premium calculator to know the exact premium you need to pay. The policy is renewed and policy documents are emailed to you after HDFC Ergo car insurance renewal online payment.
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Claim Procedure
HDFC Ergo has a simple and quick claim settlement procedure. The claim process involves the following step.
1. Immediately inform the insurer after the incident: You must intimate the insurer about the unfortunate incident immediately (preferably within 24 hours). You may contact your insurer by the following means.
- Dial HDFC Ergo car insurance toll-free number 1800 2700 700 (Claim Office).
- Through online portal.
- Sending a message on Whatsapp at 7304524888
- Visiting the nearest branch
2. Locate and drive to the nearest network garage: Drive or request the towing facility to park your car into the nearest cashless garage. In case, you do not have a nearby cashless garage, you may take your car to any garage and request reimbursement.
3. Survey and Documentation: A surveyor is assigned to your case after intimation. He visits the garage to estimate the damage and expenses to repair your car. You need to present the duly filled HDFC Ergo car insurance claim form, RC, DL, receipts of repair (for reimbursement), and other necessary documents, etc.
4. Approval and Disbursement: After the surveyor and insurer approve your claim request, the repair expense is directly disbursed to the specific cashless garage. In case of reimbursement, the approved repair expense is disbursed to the insurance holder.
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Frequently Asked Questions
1. What is the HDFC Ergo car insurance customer care number?
The customer care numbers are 022 6234 6234, 0120 6234 6234 (for service-related query), and Whatsapp at 7304524888.
2. How to check HDFC Ergo car insurance renewal status?
You can check the renewal status of insurance of your car by using this link.
Or by dialing the customer care number.
Or by visiting the nearest office.
3. What is HDFC Ergo car insurance claim settlement ratio?
It has a good claim settlement ratio of 91.23%
4. What is HDFC Ergo car insurance zero depreciation cover?
Zero depreciation cover, also known as bumper to bumper cover, ensures complete coverage without deduction of depreciation factors. It is usually an add-on cover for cars below 5 years of age.
5. How to check the claim status?
You can check HDFC Ergo car insurance status after claim intimation here. Fill up HDFC Ergo car insurance number (Policy number), registered email ID, or registered mobile number and click on the “Go” button to check the claim status.
Click here to Buy HDFC Ergo Car Insurance online
HDFC Ergo Car Insurance Review
The emergence of digital transformation has made our lives easier. You can get the insurance for your car instantly today. The best thing is that the process of purchase and renewal of the insurance fro car has become paperless. Therefore, you can get the insurance plans for cars issued just in a few clicks. HDFC Ergo is one of the leading insurance companies in India. If you have to purchase a new insurance or your existing insurance for your car is expiring soon, hope this article will provide you the required guidance on the essential procedures of buying or renewing the policy.
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