HDFC Ergo Comprehensive Car Insurance
Comprehensive car insurance protects both your car and others in case of damage or loss.
- For Your Car: It covers damages caused by accidents, theft, burglary, or natural disasters like floods and earthquakes. These situations can lead to big repair bills, and this insurance helps cover them.
- For Others: If your car causes damage to another person, their vehicle, or property, this insurance covers the costs.
With HDFC Ergo Comprehensive Car Insurance, you are protected from financial or legal problems related to your car or any accidents caused by it.
What is Covered and Not Covered in Comprehensive Car Insurance?
Every insurance has its limits. Here's what HDFC Ergo Comprehensive Car Insurance covers and doesn’t cover:
1What is Covered (Inclusions)
- Fire & Explosions: Protects your car from damage caused by fire or explosions.
- Accidents: Covers damage to your car due to an accident.
- Third-Party Liability: Covers costs if your car causes damage, injury, or loss to another person, their property, or vehicle.
- Natural & Manmade Disasters: Protects against natural disasters like floods, earthquakes, or manmade problems like riots and vandalism.
- Theft: If your car is stolen, the insurance will pay based on the Insured Declared Value (IDV) mentioned in your policy.
- Personal Accident: Covers injuries you might get from a car accident.
2What is Not Covered (Exclusions)
- Depreciation: Normal wear and tear of parts like tyres are not covered.
- Mechanical & Electrical Issues: Problems like engine failure aren’t covered, but you can add extra coverage for these.
- Driving Under Alcohol or Drugs: If you’re drunk or on drugs while driving, any damage to your car or others won’t be covered.
- Intentional Damage: If you harm someone or their property on purpose, it won’t be covered.
- No or Invalid Driving Licence: If you drive without a valid licence and cause damage or injury, the insurance won’t pay for it.
Disclaimer: Please refer to your policy documents to know the exact coverage.
Benefits of Comprehensive Car Insurance
1Quick and Easy Claim Process
You can claim insurance without long delays or too much paperwork. The process is simple and fast, so you can get help when needed without hassle.
2Stress-Free Driving
Drive without worrying about unexpected accidents or car damage. The insurance helps cover repair costs, so you don’t have to pay a big amount suddenly.
3Cashless Repairs
Get your car repaired at approved garages without paying from your pocket. The insurance company settles the bill directly, making it easier for you.
48700+ Garages Across India
There are many service centers where you can repair your car. No matter where you are, you will find a garage nearby for easy repairs.
5Add-On Covers
You can add extra benefits to your insurance, like covering engine damage or getting full claim money without depreciation. These options help you get better protection.
624/7 Customer Service
Help is available anywhere, at any hour. You can call customer services at any hour to answer questions or to place a claim as well.
FAQs
This policy covers:
- Damage to your own car due to accidents, fire, or natural disasters
- Theft of your car
- Third-party damage (if your car damages someone else’s vehicle or property)
- Personal accident cover for the owner-driver
If you repair your car at a network garage, HDFC ERGO pays the repair cost directly to the garage. You don’t need to pay from your pocket, except for deductibles (if any).
HDFC ERGO has over 8,700 network garages across India where you can get cashless repairs.
Yes, you can add extra covers like:
- Zero depreciation cover (full claim without depreciation deduction)
- Engine protection cover (repairs due to water damage or oil leakage)
- Roadside assistance (help if your car breaks down)
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