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HDFC ERGO ensures that you can even get your car insurance on your mobile. Helping you choose the perfect motor insurance for your vehicle, you can be assured that your car is protected in every way. You no longer have to worry about finding the best car insurance – HDFC ERGO does it for you.


Key Highlights

  • Cashless claim service over 1600+ authorized network of garages across India

  • Avail a host of discounts – No claim bonus, Discount for Automobile Association Members, Discount based on age and profession

  • Comprehensive support through our dedicated customer support team

  • No lengthy procedures

  • Instant Online Policy



  • Loss Or Damage To The Vehicle Insured

  • Liability to third parties

  • Personal Accident Cover 


Add On Covers

With HDFC ERGO’s Motor Insurance Add-on plan you can opt for new and enhanced coverage, in addition to your standard motor insurance policy for Motor Vehicles which:

Add on Plans:

  • Emergency Assistance Cover

  • Silver Plan - Zero Depreciation Claim

  • Gold Plan - Zero Depreciation Claim, Loss of Use / Down Time Protection

  • Platinum Plan - Zero Depreciation Claim. Engine & Gear Box. No Claim Bonus Protection.

  • Titanium Plan - Zero Depreciation Claim. Engine & Gear Box. No Claim Bonus Protection. Cost of Consumables.

  • Emergency Assistance Wider Cover
  • Return To Invoice 


* Product offerings as per Terms & Conditions


Additional Discounts

  • Age Discount

  • Occupation Discount


Sum Insured

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.



  • The premium for a package Private Car insurance policy would depend on:

  • Sum Insured / Insured’s Declared Value (IDV)

  • Type of vehicle

  • Age of the vehicle

  • Place of Registration

  • Fuel type (Petrol / Diesel / CNG / LPG)



  • General Ageing, wear and tear

  • Damage by a person driving without a valid driving license

  • Mechanical or Electrical breakdown, failure

  • Damage by a person driving under the influence of Liquor/Alcohol/Drugs

  • Depreciation, any consequential loss

  • Loss /Damage attributable to War /Mutiny /Nuclear risks