HDFC Ergo Third Party Car Insurance
Third-party car insurance helps you if your car causes damage to someone else or their property in an accident. It protects you from paying for these damages yourself. This insurance is required by law for all vehicles. Here, you can learn about the key details of third-party insurance.
Key Features of HDFC Ergo Third-Party Car Insurance
1Covers Damage to Others
If you accidentally hurt someone or damage their property, the insurance will pay for it. Medical costs are covered, and property damage is compensated up to ₹7.5 lakhs.
2Affordable Pricing
The price for third-party car insurance is fixed by the Insurance Regulatory and Development Authority of India (IRDAI), so it is affordable for everyone.
3Personal Accident Add-on
You can add personal accident cover, which helps with medical expenses if you get injured in an accident.
What is Covered and Not Covered in HDFC Ergo Third-Party Car Insurance
When buying third-party car insurance, it’s important to know what it includes and excludes:
1What is Covered (Inclusions)
- Damage to Someone’s Property: If your car damages someone’s property in an accident, the owner will get compensation of up to ₹7.5 lakhs.
- Injury or Death of a Person: If your car causes an accident that injures or kills someone, the insurance will cover the compensation. Medical expenses for injuries are unlimited, but the court decides the exact amount.
2What is Not Covered (Exclusions)
- Your Car’s Damages: This insurance doesn’t pay for damages to your own car.
- Driving Under Alcohol or Drugs: If you cause an accident while drunk or on drugs, your claim will be rejected.
- Theft of Your Vehicle: Third-party insurance doesn’t cover vehicle theft.
- Driving Alone on a Learner’s License: If you’re driving alone with a learner’s license and have an accident, the claim won’t be paid. You must have a licensed adult supervising you.
Disclaimer: Please refer to your policy documents to know the exact coverage.
FAQs
It covers damage your car causes to someone else’s property (up to ₹7.5 lakhs) or injuries/death caused by an accident.
Yes, it is required by law for all vehicles in India. Driving without it can lead to fines or legal trouble.
No, this insurance only covers damages to others’ property or injuries. It does not pay for damages to your own car.
If you are driving under the influence of alcohol or drugs, your claim will be denied.
Yes, you can add a personal accident cover to protect yourself in case you get injured in an accident.
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