HDFC ERGO Car Insurance
Your vehicle is one of your most prized possessions. With HDFC ERGO’s Motor Insurance, your vehicle is protected against any unforseen circumstances. Now, you can be rest assured of hassle-free service, backed by a network spanning 1600+ authorized workshops and end to end automated process which ensures fast track claim settlement. it ensures you to get back in driver’s seat quickly, no matter what happens to your vehicle.
Key Features
In short, you can trust HDFC ERGO to get you back in the driver’s seat quickly. Because we provide you with not just comprehensive insurance but also comprehensive assistance, whenever you need it
As an incentive for you to drive carefully, if no claim is made or pending during the preceding year(s), you get a discount.
| Period Of Insurance | % of Discount on own Damage Premium |
| Preceding Year | 20% |
| Preceding 2 consecutive years | 25% |
| Preceding 3 consecutive years | 35% |
| Preceding 4 consecutive years | 45% |
| Preceding 5 consecutive years | 50% |
Exclusions
- General aging, wear and tear Damage by a person driving without a valid license
- Mechanical or electrical breakdown, failure
- Damage by a person driving under the influence of liquor or drugs
- Depreciation, any consequential loss
- Loss/damage attributable to war, mutiny,nuclear risks
- Damage to tyres and tubes, unless damaged during an accident
- Loss/damage outside India
FAQs
Own damage to the vehicle caused by:- Accident external means
- Burglary, housebreaking or theft
- Fire, explosion, self-ignition,lighting
- Terrorism, riots, strike or malicious act
- Transit by road, rail, inland waterway, lift
- Earthquake, flood, storm, landslide, rockslide
- Personal accident cover for registered owner of the vehicle.
- You can also opt for a personal accident cover for passengers as well as paid drivers.
Third Party Legal Liability:- Provides cover for any legal liability arising out of the use of the vehicle for:
- Accidental death / injury to any third party
- Any damage to property owned by third party
What more does your policy includesReimbursement of towing charges up to `1500 (Cars) or actual, whichever is lower.
