Car insurance

With our wide network of cashless garages, round the clock customer support and digital claims service, we aim to provide the true 'take it easy' experience. It's no wonder then that over #1.5 Crore customers have entrusted us with the responsibility of safeguarding their car. So get on the road of comprehensive coverage and attractive discounts of upto 70% with our customized plans made just for you. With HDFC ERGO's car insurance you not only get cover for your car but also peace of mind for yourself!

6 Reasons why HDFC ERGO's car insurance should be your first choice

Upto 70% Off on Premium

Maximize your savings with discounts that may sound unbelievable.

7100+ cashless garages**

No matter where you are our wide network of cashless garages are at your service

Overnight repair service

It is just a matter of dusk to dawn and your car will be back in shape ready for use.

Premium starting at Just 2072*

Easy on your pocket with all rounded coverage! Need we say more?

24x7 Roadside assistance

Stranded in the middle of nowhere? Help is just a call away!

Secure your car in 3 mins online

Secure your journey of a thousand miles in just 3 minutes and get instant security for your car!

Plans best suited for your car insurance needs

Single Year Comprehensive SINGLE YEAR COMPREHENSIVE

Comprehensive Car Insurance: All rounded coverage that includes cover against damages to your own car or damages to a third party person/ property. And if this is not enough, this car insurance plan can be customized with your choice of add-on covers, giving you coverage as per your requirement in a cost effective manner.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft

Third Party Cover THIRD PARTY COVER

This cover only protects you against liabilities arising from damage, injury or loss to a third party person or property. As stipulated in the Motor Vehicles Act 1988, this is a mandatory cover and it is a punishable offence to not have a valid third party cover.

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover
Third-party property damage
Injury to a third-party person

Stand alone own damage cover STAND ALONE OWN DAMAGE COVER

Does your car already have a third party cover? Well, then the stand alone own damage cover is the perfect missing piece in the jigsaw. This cover helps you shield against financial losses arising due to damage to your own car.

Suitable for those who already have a valid third party cover, this plan covers:

Accident
Natural Calamities
Fire
Choice of add-ons
Theft

Stand alone own damage cover COVER FOR BRAND NEW CARS

Proud owner of a shiny new set of wheels? Then the cover for brand new cars is the answer to all your car insurance queries. This cover offers 1 year coverage against damage to your own car along with a 3 year cover against damages to a third party person/ property.

Suitable for those who have purchased a brand new car, this plan covers:

Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft

Compare and choose the cover you require



Boost your coverage with these add-ons

Zero Depreciation Cover

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands.

No Claim Bonus Protection

Made a claim, worried about your NCB discount? Don't worry, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to the next NCB slab earning you a significant discount on your premium.

Emergency Assistance Cover

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car.

Return to Invoice

Love your car dearly? Give your car this add on cover and recover your invoice value back in case of theft or total damage to your car.

Engine and Gear Box Protection

The engine is the heart of your car and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.

Downtime Protection

Car in the garage? This cover will help bear the expenses you would spend on cabs for your daily commute while your car is getting repaired.

Make a claim the quick and easy way

Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!

Ditch the paperwork! Register your claim and share required documents online.

You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.

Relax and keep track of your claim status through the claim tracker.

Take it easy while your claim is approved and settled with the network garage!

Comprehensive car policy inclusions and exclusions

What is covered?

Accidents

Been in a car accident? Keep calm, we cover damages your car sustains in an accident.

Fire & Explosion

We won't let a fire or an explosion burn your finances to ashes, be rest assured your car is covered.

Theft

Your car getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Calamities

Calamities can wreak havoc and your car is not immune to them, but your finances are!

Personal Accident

Your safety is our priority, in case of injuries due to a car accident we cover your treatment charges.

Third Party Liability

We cover damages to a third party property or injuries sustained by a third party person through our third party insurance feature.

What is not covered?

Depreciation

We do not cover general wear and tear or depreciation in the value of your car.

Electrical & Mechanical Breakdown

Electrical or mechanical breakdowns of any nature are uncovered.

Illegal Driving

Driving under the influence of drugs or alcohol or not possessing a valid driving license is neither cool nor covered.