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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 in2002
Car Insurance Premium Starting @2,094/year*
Cashless Garages8700+ all across India
Claim Settlement Ratio88.22%
Customer Care Assistance24*7
Personal Accident Cover Up to Rs. 15 lakhs*
Emergency Roadside AssistanceYes
Add-on covers8+ Add-on covers available
No Claim BonusUp to 50%

Motor Insurance Plans By HDFC ERGO

Types of Car Insurance Plans Offered by HDFC Ergo

  • Comprehensive Car Insurance

    This type of insurance covers almost everything. It protects your car from damage 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.

  • Third-Party Car Insurance

    This insurance covers the damage 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.

  • Standalone 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:

  • 01

    Affordable Plans

    HDFC Ergo car insurance starts at just Rs. 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.

  • 02

    Easy 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.

  • 03

    Cashless 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 up front.

  • 04

    24/7 Customer Support

    If you have any questions about your car insurance or claims, HDFC Ergo’s support team is available anytime to help you.

  • 05

    Trusted by Millions

    More than 1.5 crore people trust HDFC Ergo for their car insurance. You can also join them and enjoy reliable coverage.

  • 06

    Save 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.

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