HDFC Ergo Own Damage Car Insurance
Own Damage Car Insurance is a type of insurance that protects your car from damage, loss, theft, or accidents. It helps you pay forRead More
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Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Feature | Standalone Own Damage Insurance | Third Party Insurance | Comprehensive Insurance |
|---|---|---|---|
| Coverage | Covers damage to your own car only. | Covers damages or injuries to others only. | Covers both your own car and third parties. |
| Legal Requirement | Not required by law. | Mandatory by law for all car owners. | Not mandatory, but offers extensive coverage. |
| Cost | Moderately priced; depends on coverage. | Usually less expensive. | More expensive due to broad coverage. |
| Protection against theft and damage | Covers theft and damage to your car. | Not covered. | Covered. |
| Protection from natural disasters | Covered. | Not covered. | Covered. |
| Add-on available | Add-ons available for enhanced coverage. | Limited or no add-ons. | Several add-ons are available. |
| Ideal for | Good for new or expensive cars. | Required for legal compliance. | Best for comprehensive protection. |
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What is Covered and Not Covered Under HDFC ERGO Own Damage Car Insurance?
Here are the things that are included (covered) and not included (not covered) in your HDFC ERGO Own Damage Car Insurance.
What it Covers
Accidents
If your car is damaged in an accident or collision, the insurance will cover the repair costs.
Fire & Explosions
If your car is damaged due to fire or an explosion, the insurance will pay for the loss.
Theft
If your car is stolen, the insurance will compensate you for the loss.
Natural & Man-Made Disasters
If your car is damaged by a flood, earthquake, riot, vandalism, or fire, the insurance will cover the damage.
What Does it not Cover
Intentional Damage or Theft
If you deliberately damage or steal your own car, the insurance will not pay for it.
Car Depreciation
The decrease in your car's value over time is not covered unless you have a zero-depreciation add-on.
Electrical & Mechanical Breakdown
If your car’s electrical or mechanical parts fail due to wear and tear (not an accident), it is not covered.
Drunk Driving
If you are driving after drinking alcohol and your car gets damaged, the insurance will not cover the cost.
Driving Without a License
If you are driving without a valid license and your car is damaged, the insurance will not pay for repairs.
Driving Under the Influence of Drugs
If you are caught driving after using drugs and your car is damaged, the insurance will not provide any financial help.
How to Buy HDFC ERGO Own Damage Car Insurance From Square Insurance
Follow these simple steps to buy the insurance online:Visit the Website
Go to Square Insurance.
Select Car Insurance
Click on "Car Insurance" under the "Insurance Products" menu.
For New Cars
Click on "Got a New Car" if your car is new.
For Old Cars
Enter your car’s registration number and click "View Plans."
Enter Car Details
Fill in the details like RTO, make, model, variant, and registration year.
Choose a Plan
Look at the available plans and select HDFC ERGO.
Make Payment
Pay for the selected plan, and you will receive the policy by email.
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