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Buying a car is indeed one of the prominent investments you make; it is not only a major achievement in life but also a lifestyle upgrade. It helps you break the vicious cycle of public transport. You don’t have to deal with chaotic trains and crowded buses. Just like a car brings in bunch of happiness, it also invites a number of risks. To insure risks related to third party person or property, Motor Vehicles Act has made it mandatory to drive with a valid insurance policy. Driving without a valid insurance may attract penalties and financial loss. We at HDFC ERGO offer multiyear third party liability policy, which offers coverage against risks caused to third party person or vehicle for a period of 2 or 3 years. HDFC ERGO understands the growing importance of insurance, which not only covers risks related to third party but also protects your own vehicle as well as driver. To insure your own vehicle against possible damages due to natural calamities, accidents or terrorism we have designed comprehensive car insurance policy.

List of Popular Car Makers

(As per Supreme Court ruling, starting from 1st Sept, 2018, 3 years third party cover is mandatory )

Quote calculator

Buying a car insurance is indeed a simple task simply click on Calculate Premium and enter details to get the accurate premium.

Why Choose HDFC ERGO Car Insurance?

  • Quick approval for claims
    Estimated claim approval for claim within 24 hours, of vehicle reaching garage
  • Buy online for added convenience
    Wherever you go, get your vehicle covered on your fingertips
  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an e-mail to:
  • Trusted by Millions
    With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.
  • Fair and transparent claim settlement policies
    HDFC ERGO Motor Insurance claims are settled with utmost transparency.

Car Insurance Renewal

We often buy car insurance; however fail to renew it on timely basis, probably due to busy lifestyle and hectic schedules. Always set a reminder for your next renewal date so that you pay the next renewal premium on time. If your policy expires, you might land up in a legal trouble or have to bear the financial losses for any accidental damage caused to your vehicle. Renewals are not just meant for keeping you insured, but also for continuity benefits such as No claim Bonus.


1. What is the tenure of HDFC ERGO car insurance policy?

All Motor policies are generally of one year term.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

Hi I am DIA, your Digital Insurance Agent from HDFC Ergo, I can help you in the following ways