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Types of HDFC Ergo Claim Settlement Process
HDFC Ergo offers two ways to settle claims:
- 01
Cashless Claim Settlement
HDFC Ergo has over 8,700 cashless garages across India. In a cashless garage, you don’t need to pay up front for repairs. These garages are linked with HDFC Ergo, and the company pays them directly for fixing your car.
- 02
Reimbursement Claim Settlement
With this type, you can get your car repaired at any garage and pay the repair bill yourself. Later, HDFC Ergo will refund the repair cost to you. To get reimbursed, follow these steps:Start your claim as soon as you notice the damage.Allow the company to inspect the damage.Get your car repaired and keep the invoice.Send the invoice to HDFC Ergo for reimbursement.
Motor Insurance Plans By HDFC Ergo
Documents Needed for HDFC Ergo Claim Process
To settle a claim, you need these documents:Claim form filled out and signedVehicle’s RC (Registration Certificate)The driver’s license of the person driving during the accident
Additional documents required for theft claims:
RTO paper signed by the local RTO officeNOC (No Objection Certificate) from the finance company if the car has a loanLetter of Indemnity & Subrogation from a notary near the local courtThese are the basic documents required, but it is a good idea to check with the insurance company in case other documents are needed.
Starting an HDFC Ergo Claim
Starting a claim means telling the insurance company about the damage to your car. This is the first step in the claim process. It's important to do this as soon as you notice the damage to make the process easy and quick.Here’s how you can start a claim with HDFC Ergo:Call: Dial the toll-free number 022 6234 6234Email: Send an email to care@hdfcergo.comWhatsApp: Text their official WhatsApp number 7070022222
HDFC Ergo Car Insurance Claim Process
You can settle your claim either online or offline. Here's how:
Online Process
Inform HDFC Ergo Let them know about the damage as soon as possible. You can visit their website or text on WhatsApp at 8169 500 500.Damage Survey:For minor damages, HDFC might ask you to use your phone for an AI-based survey.In other cases, they will send a surveyor to inspect the car.Approval and Repairs Once the claim is approved, HDFC will allow the garage to begin repairs on a cashless basis.Network Garage Visit a garage partnered with HDFC Ergo for repairs. This ensures a cashless process.Payment After repairs, the cost will be paid directly to the garage or reimbursed to you.
Offline Process
Inform HDFC Ergo Call their toll-free number 022 6234 6234 or visit the nearest branch to start the claim process.Damage Inspection A surveyor will visit to assess the damage.Approval and Repairs Once approved, you can proceed to get your car repaired at the garage.
In both methods, make sure to follow the instructions for a smooth claim experience.
Common Reasons ICICI Lombard Car Insurance Claims Are Rejected
Your claim might get rejected for several reasons. Make sure none of these apply to your claim:Being careless.Driving without a license.Giving false information.Driving while drunk.Making a fake claim.Claiming the wrong amount of money.Parts of the vehicle are not working properly.Not providing enough details to process the claim.Not telling the insurer quickly after an accident.