Comprehensive Policy HDFC Ergo Motor Insurance

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Having a third-party vehicle insurance is obligatory by law. However, buying comprehensive four- or two-wheeler insurance is an utmost priority for every vehicle owner. When you buy a car or a bike with your hard-earned money, it becomes your prized possession. And if due to any untoward situation, the vehicle gets damaged or stolen etc., it pains you beyond imagination. Hence, it is better to stay prepared with a comprehensive vehicle insurance plan to take care of your worries related to any damages to your vehicle.

Highlights HDFC ERGO Comprehensive Policy

Claim settlement Ratio – 100%

NCB – Available, starts at 20%, up to 50%

Network Garage – 9000+

Road Side Assistance – Available

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Pros & Cons of HDFC ERGO Comprehensive Policy

The best feature of the HDFC ERGO comprehensive vehicle insurance plan is its 100% claim settlement ratio

The plan allows the insured to go cashless in terms of your vehicle repairs by availing cashless garage facility in 9000+ garages

This comprehensive plan allows the insured to go ahead with unlimited claims in a year

Another good feature of the HDFC ERGO vehicle insurance plan is that it allows overnight vehicle repairs

You can get your vehicle picked at night and delivered in the morning under the overnight repair facility

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HDFC ERGO
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. Car insurance is one such product that HDFC ERGO offers car owners in line with the requirements of the Motor Vehicles Act, 1988. The car insurance plans of the company are varied, comprehensive, and are offered at competitive premium rates.

Founded in

2002

Claim Incurred ratio

5.32%

Number of Policies

1,16,00,000 Lakhs Policies Issued

Turnover (GWP)

INR 18,802 crore

JV Partners

HDFC & ERGO International AG

Claims Experience

Claims Experience Rating 4.7

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

100%

Network Garages

9000+

Benefits of HDFC ERGO Comprehensive Policy

Key Benefits
Own Damage Cover	Available
Convenience	Easy repairs
Other Benefits
Network Garage	Wide network available
Claim Settlement	Quick and hassle-free
Add-on cover	Add-on benefits available
NCB benefits	Available

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If you have any questions on how to choose the best insurance plan, you can connect with our IRDAI certified insurance advisors.

Call at 1800 267 67 67 from 10 AM to 7 PM

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NCB remains valid till 90 days of expiry date of the previous plan. So, you can renew within that period else it will become 0% and you will not get any benefit.

Two-wheeler insurance policies consist of 2 types – comprehensive plans and third-party liability plans.

Long-term policies available are:

Liability only policy for 3 years
Package policy for 3 years
Bundled policy with 3 years liability cover and 1 year cover for own damage

Yes, the third-party motor vehicle policy is mandatory.

If you buy your vehicle insurance online, you would require no paperwork and physical documentation. Also, you would get your policy instantly.