HDFC Ergo Car Insurance
HDFC Ergo is a company created together by HDFC Ltd. and ERGO International AG from the Munich Re Group. They offer various types of general insurance, including insurance for different vehicles. HDFC Ergo focuses on offering new and affordable products and services. They are dedicated to understanding and meeting their customers' needs.
About HDFC Ergo Car Insurance
HDFC Ergo is one of the top car insurance companies in India with a claim settlement ratio of 88.22%. It is a partnership between HDFC Bank and ERGO International. HDFC Ergo car insurance helps protect the car owner from losses due to theft, fire, accidents, or damage to others’ property during an accident. They offer three main types of car insurance: comprehensive, standalone own-damage, and third-party car insurance plans.
Key Features of HDFC Ergo Car Insurance
| Founded in | 2002 |
|---|---|
| Car insurance Premium | Starting @2,094/year* |
| Cashless Garages | 8700+ all across India |
| Claim Settlement Ratio | 88.22% |
| Customer Care Assistance | 24*7 |
| Personal Accident Cover | Up to Rs. 15 lakhs* |
| Emergency Roadside Assistance | Yes |
| Add-on covers | 8+ Add-on covers available |
| No Claim Bonus | Up to 50% |
Types of Car Insurance Plans Offered by HDFC Ergo
1Comprehensive Car Insurance
This type of insurance covers almost everything. It protects your car from damages to your own vehicle and to other people’s property, including injuries or deaths caused by accidents. Comprehensive insurance also covers losses from theft, vandalism, and natural disasters like floods and earthquakes. You can get this insurance for one year or three years.
2Third-Party Car Insurance
This insurance covers the damages your car might cause to other people or their property. For instance, if you hit someone accidentally or damage another car, this insurance will take care of it. It also covers legal issues if someone gets hurt badly or dies because of the accident. The law requires all car owners to have this insurance, and not having it can lead to heavy fines.
3Standalone Own Damage Car Insurance
The coverage is optional for damages to your car due to accidents or natural disasters, fire, and theft. This is not like third-party insurance, which covers a car by law. If you already have third-party insurance, adding this will give your car complete protection.
Benefits of HDFC Ergo Car Insurance
Here are some good reasons to choose HDFC Ergo for your car insurance:
1Affordable Plans
HDFC Ergo car insurance starts at just ₹2,094. You get great benefits and coverage at a low price. You can also use a premium calculator to check the exact cost of your insurance.
2Easy to Buy
Getting car insurance with HDFC Ergo is very simple. Just contact their team and follow a few easy steps to complete your purchase.
3Cashless Repairs at Many Garages
HDFC Ergo has 8700+ cashless garages across India. If your car needs repairs, you can get it fixed at these garages without paying upfront.
424/7 Customer Support
If you have any questions about your car insurance or claims, HDFC Ergo’s support team is available anytime to help you.
5Trusted by Millions
More than 1.5 crore people trust HDFC Ergo for their car insurance. You can also join them and enjoy reliable coverage.
6Save More with ‘Pay As You Drive’
HDFC Ergo offers a Pay As You Drive add-on, which helps you save on car insurance costs. You can buy this along with a standalone or comprehensive car insurance plan.
FAQs
HDFC Ergo Car Insurance protects your car from damages caused by accidents, theft, fire, or natural disasters. It also covers third-party damages or injuries.
HDFC Ergo offers three main types of car insurance:
- Comprehensive Car Insurance: This covers almost everything, including your car, others’ property, and natural disasters.
- Third-Party Car Insurance: Covers damages your car causes to others.
- Standalone Own Damage Insurance: Covers only your car’s damages, like accidents or theft.
You can buy car insurance easily by contacting HDFC Ergo’s team. They guide you through simple steps to complete your purchase online or offline.
The ‘Pay As You Drive’ add-on lets you save money by paying premiums based on how much you drive. It can be added to a standalone or comprehensive car insurance plan.
- Affordable plans start at ₹2,094.
- 8700+ cashless garages for repairs.
- 24/7 customer support.
- Trusted by over 1.5 crore happy customers.
- Easy and quick claim process.
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