HDFC ERGO Motor Insurance Company

A joint venture between HDFC Limited and ERGO International AG, HDFC ERGO is a reputed general insurance company in its sector. It offers a range of general insurance solutions for its private and commercial customers. You can buy health insurance, travel insurance, home insurance, motor insurance as well as commercial insurance plans from HDFC ERGO’s platform.

Highlights of HDFC ERGO Motor Insurance Company

Claim settlement ratio 99%

NCB* 25%

Network Garage 9000+

24*7 Road Side Assistance Available

Top Motor Insurance Plans by HDFC ERGO

HDFC ERGO comprehensive policy

Compare Top Motor Plans from HDFC ERGO Motor Insurance Company

	Third-Party Vehicle Insurance Plan	Comprehensive Vehicle Insurance Plan	Own Damage Policy
Features
Third-Party property damage
Third-party bodily damage
Third-party vehicle damage
Add-On Coverage
Personal Accident Coverage
Car Theft
Damages to own car due to natural calamity
Damages to own car due to fire
Damages to own car due to accident

Third-Party property damage

Features
Third-party bodily damage
Third-party vehicle damage
Add-On Coverage
Personal Accident Coverage
Car Theft
Damages to own car due to natural calamity
Damages to own car due to fire
Damages to own car due to accident

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Awards and accolades won by HDFC ERGO

Key Highlights of HDFC ERGO Motor Insurance Company

Features of HDFC ERGO Motor Insurance plans

Exclusions in HDFC ERGO Motor Insurance Plans

Motor insurance plans offered by HDFC ERGO

Eligibility conditions

What is the Process for Filing a Claim for HDFC ERGO Motor Insurance Plan?

Review of HDFC ERGO Motor Insurance Company

Awards and accolades won by HDFC ERGO

From inception and during its years of operation, HDFC ERGO has won various awards and accolades for consistently offering attractive products and services to its customers. Some of the recent awards won by the company are as follows –

HDFC Ergo app won gold at 13th ACEF Global Customer Engagement Awards, a reputed platform to recognise exceptional customer engagement strategies and practices. This serves as a motivation for us to continue on our path of innovation to provide seamless customer experience.

HDFC ERGO has been awarded the CX Excellence Award for Best Customer Retention Initiative of the Year in Insurance at the 3rd Annual Excellence Awards 2024.

HDFC ERGO has been recognised as the 'Best General Insurance Company" at the 7th Annual Insurance Conclave & Awards organised by Insurance Alerts.

HDFC ERGO's 'Here' app has been recognised as the 'Most Innovative Mobile App' at the Digital Dragon Awards, organised by the Indian Business Council.

Key Highlights of HDFC ERGO Motor Insurance Company

Some of the key statistical highlights of HDFC ERGO are as follows –

Features	Meaning
Number of branches	More than 200
Presence across India	Across more than 170 cities
Number of employees	More than 7000
ICRA Rating	iAAA for its claim paying ability

Features of HDFC ERGO Motor Insurance plans

HDFC ERGO car insurance plans offer a range of coverage benefits to customers. These coverage benefits are available under the different types of car insurance plans that the company offers. The features include the following –

Features	Meaning
Coverage for third party liabilities	This coverage is mandated under the Motor Vehicles Act, 1988. Under this coverage, if your car causes any type of physical injury, death, or property damage to a third party, the third party suffers a financial loss. This financial loss is covered by the car insurance policy.
Coverage against man-made calamities	If your car gets damaged due to fire, riots, strikes, malicious acts, or explosions, the repair costs would be covered.
Coverage against natural calamities	If a natural calamity damages the car, the financial loss that you suffer would be covered. The list of coverage calamities includes earthquakes, lightning, floods, hurricanes, storms, tempests, etc.
Theft coverage	The loss of your car due to theft is covered. In such cases, you would get a lump sum benefit which would be equal to the Insured Declared Value of the policy. In-transit cover: If you are transporting your car through rail, air, water, or road and the car suffers any damage during such transportation, the loss would be covered.
Personal accident coverage	The personal accident cover is also a mandatory part of a car insurance policy. This cover pays a lump sum benefit in the case of death or permanent total disablement suffered due to an accident. The extent of coverage is Rs.15 lakhs.

Exclusions in HDFC ERGO Motor Insurance Plans

Despite being comprehensive in their scope of coverage, HDFC ERGO’s car insurance plans have listed instances in which the claim is not payable. Such instances are called exclusions. Commonly found exclusions in most car insurance plans are as follows –

Driving without a valid driving license and the damages suffered thereof

Mechanical or electrical breakdown of the car

Consequential losses

Normal wear and tear of the car due to usage

Depreciation

Driving under the influence of alcohol and/or drugs

Deliberate accidents or attempted suicides

Driving outside India

Participation in hazardous or criminal activities, etc.

Motor insurance plans offered by HDFC ERGO

Here is a look at the popular car insurance plans that HDFC ERGO –

Standalone own damage plan

The standalone third party plan covers the legal requirement specified under the Motor Vehicles Act, 1988. The features of the plan are as follows –

Third-party liabilities suffered due to property damage are covered up to Rs.7.5 lakhs
Physical injuries and death of any third party are covered up to unlimited amounts
Personal accident cover is also available under the plan
Premiums of the policy start as low as Rs.2072 exclusive of taxes

Comprehensive car insurance plan

This policy does not cover third party liabilities but only the damages that the car might suffer. You can buy this plan if you already have another third-party coverage on the car. The features of the policy are as follows-

Get covered for damages suffered in an accident
Man-made and natural calamities are covered
Theft of the car is covered
You can enjoy overnight repair services
There is a range of optional coverage features that can be added to the policy at an additional premium

Comprehensive car insurance plan

A comprehensive plan combines the coverage offered under both of the aforementioned plans to provide the most inclusive scope of coverage. HDFC ERGO’s comprehensive car insurance plan has the following features –

You can enjoy up to 70% discount on your own-damage premium to make the policy affordable
You can intimate your car insurance claim through WhatsApp for ease and convenience
HDFC ERGO allows AI-enabled claim settlement for quicker approvals
You get covered for third party liabilities as well as the damages suffered by your car
You can enhance the scope of coverage with available add-ons. HDFC ERGO offers a choice of six add-ons for a more inclusive scope of cover

Eligibility conditions

Age Criteria	Individuals must be 18 years and above
Citizenship	The individual must be an Indian citizen
Vehicle	He/she must possess a vehicle registered in his/her name
Vehicle Registration	The individual must possess an RC or registration certificate
Identification Document	He/she must have a valid DL or driving license
Mandatory Document	The vehicle must have a pollution under control (PUC) certificate

How to buy HDFC ERGO Motor Insurance Plan?

Go to the official portal of HDFC ERGO Insurance. Go to "Buy" and choose for the relevant policy as per your requirement. Enter vehicle registration number to get a quote.

Or visit the Paybima portal and select Motor Insurance from the options available.

Visit the Paybima homepage and click on the ‘Motor Insurance’ tab in the dropdown menu.

Fill in your required details and request a callback.

A Paybima representative will help you buy the most suitable plan.

You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

You can visit a Paybima branch near you.

The process of renewing HDFC ERGO Motor Insurance Policy

Car insurance plans have a fixed tenure. You would be required to renew your plan before its expiry date to enjoy uninterrupted coverage. If you fail to renew your plan within the due date, you can do so within 30 days grace period offered by HDFC ERGO General Insurance. However, if you still do not renew your plan, your policy will lapse and coverage benefits will cease. Moreover, your accumulated no claim bonus will also lapse and you will have to go through the entire process of buying it again. You can call us at 1800 267 6767 on drop a mail at [email protected] for any assistance or help to renew your Future Generali motor insurance plan.

What is the Process for Filing a Claim for HDFC ERGO Motor Insurance Plan?

HDFC ERGO General Insurance is known for its excellent claim services. It provides a smooth and seamless process for claiming a car insurance plan. You can file a claim both online and offline. The process to claim HFDC Ergo Car Insurance is as follows:

Inform the insurer

Firstly, you will have to inform the insurance company about the claim no sooner a claim arises. A claim arises in the event of an incident in which your car was involved. You can inform HDFC ERGO by visiting its official website and intimidating a claim or by calling the claim helpline number of HDFC ERGO General Insurance.

Locate the nearest garage

After informing the insurer, locate the nearest network garage for cashless settlement of the claim. HDFC ERGO offers both cashless and reimbursement facilities to settle your car insurance claim. To avail of the cashless facility, you would be required to take your car to a networked garage. You can easily locate a network garage on the website of HDFC ERGO.

Locate the nearest garage

Extend of damage

Before permitting to begin the repair, HDFC ERGO will send a surveyor to the network garage to assess the extent of the damage. The surveyor will then submit a report to the insurer after approval of which the network garage will begin repairing your car.

Fill out claim form

After the report has been submitted and your claim has been allowed, you will have to fill and file a claim settlement form to the company along with relevant documents. Make sure to fill in the details correctly and accurately. You can get the claim form on the website of HDFC ERGO or can take it from the nearest branch of the company.

Claim settlement

The insurer will verify the details and documents provided by you and would settle your claim if it finds it authentic. You can collect your vehicle from the network garage and the insurance company will directly settle your claim.

Reimbursement claims:

If you want to get your car repaired at a workshop with which HDFC ERGO does not have a tie-up or if your cashless claim has been rejected, you can file for reimbursement of the claim. In reimbursement claim, you will have to fill up a claim form and submit it to the insurer along with the original repair bills. The company will check the authenticity of your claim and directly credit the repair cost incurred by you in your bank account.Certain documents are to be submitted for the successful settlement of the car insurance claim. The list of documents required are as follows:

Original policy document
Original driving license of the person driving the vehicle
Car registration document
Bank mandates of the policyholder to credit the repair amount in the case of reimbursement claims
Duly filled and signed claim form
Police FIR and report of inspection officer in case of theft of car
Original repair bills for reimbursement claims