What is the tenure of HDFC ERGO car insurance policy?
All Motor policies are generally of one year term.
Why do I need Car Insurance?
As per provisions of Motor Vehicle Act (MV Act), 1989 all the vehicles which are plying on public place are required to be insured for minimum Third Party Liability only cover. Hence it is mandatory to have vehicle insurance.
Can I buy Motor Insurance policy online?
Yes. You can now purchase HDFC ERGO Motor Insurance online by using your Credit Card or online bank account.
What are the benefits of buying car insurance online?
Buying policies online ensures hassle free instant policy issuance with zero documentation involved. Online policy issuance also provides multiple safe payment options like credit card, debit card, net banking etc.
Can I renew my Motor policy online?
Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your credit card or bank account.
Can I renew other car Insurer policy with HDFC ERGO online?
Yes, you can renew your insurance policy online 60 days before expiry of your existing policy. In case your vehicle insurance policy has already expired, we would arrange for vehicle inspection through our approved surveyors and post satisfactory inspection policy would be issued.
What will happen when you sell your car?
Once vehicle is sold written intimation needs to be done with insurance company. As an Insured you will have following options: Name transfer in policy Cancellation of existing policy if the new owner has bought a new policy for himself and seek refund of the premium for remain part of the policy tenure on short period basis. You could also request for reserving the NCB which you may have on your policy for using it on your new vehicle at a later date with in 3 years from the date of sale.
What documents do I need to submit to buy car insurance online?
At the time of buying policies on-line one need not submit any physical documents.
Can I transfer my No Claim Bonus Discount?
In the event that you want to shift your insurance policy from any other company to HDFC ERGO, you can transfer the No Claim Bonus accrued on your previous policy. You can avail the full benefit as you would with your previous Insurer.
Can the Owner of the car also be insured under the same policy?
The Owner of the car is covered under compulsory personal accident cover where vehicle is registered in the name of an individual for a maximum sum insured of Rs. 2 lacs, provided he/she has an effective and valid driving license.
Can the paid driver of the car also be insured under the same policy?
An optional personal accident cover is available under the policy which can be opted for paid driver having maximum sum insured of Rs. 2 lacs
What if my car insurance policy is misplaced?
Just call our toll free number 1800 2 700 700 and ask for a duplicate copy.
What are the discounts that can be allowed under car insurance policies?
There are discounts based on eligibility of each customer which may be availed like Automobile Association of India membership, and no claim bonus.