Add ON Car Insurance Plans
Opting for HDFC ERGO Comprehensive Motor Insurance plan is indeed the best way to pamper your beloved vehicle. However, it’s always essential to upgrade your motor insurance policy with Add-ons covers to ensure maximum coverage for total protection. Let’s take a quick look at Motor Insurance Add-on car insurance that brings in more safety, protection with added coverage for a happy driving experience.
Zero Depreciation Claim
HDFC ERGO Motor Insurance Add-on - Zero depreciation cover promises comprehensive coverage without considering depreciation. For instance, if there’s any damage to your car due to collision and opt file a claim then you receive the entire cost without any deductions for reducing cost burden.
What’s not covered?
Tyre & battery costs
Loss of Use / Down Time Protection
What if your vehicle goes for servicing and you do not have any alternate means of transport? Paying for commuting every day is caused a huge financial impact. Hence, HDFC ERGO Loss of User or Down time protection add-on policy reimburses a daily benefit towards the cost of alternate means of transport for the duration the insured vehicle is repaired or replaced. You can reach office and commute effortlessly as your conveyance costs get covered.
- UptoRs. 500/- per day for private cars
- Maximum 5 days for partial loss
- 15 days for total loss / theft claims
- Avail coverage for up to 3 times incase of partial loss
- One time coverage for total loss (Tool tip: During the policy period)
Engine and Gear Box Protection Cover
Heavy rains and floods tend to damage your car’s engine, leading to hydrostatic lock. Repair and part replacement costs for engine may lead to massive expenses without any prior intimation. To secure your car against such unpredictable loss or expenses, opt for HDFC ERGO Engine and Gear box protection cover. This add-on cover is a saviour.
- Repairs & replacement of internal parts
- Repairs & replacement of child parts
- Labour costs
- Engine cylinder re-boring, compression tests & other machining charges
No Claim Bonus Protection
On every claim free renewal you get discount in the form of No Claim bonus; however, accidents are unpredictable and we understand that. Considering this, HDFC ERGO provides an add-on cover No Claim bonus protection in which on the event of accident, we shall keep your No Claim bonus discount intact for the next renewal of your policy.
- Damage to only Windshield Glass by External Object
- Loss due to accidental external means to Parked Vehicle
- Loss due to Flood/earthquake/AOG perils to a Parked Vehicle
Cost of Consumable Items
You often end up spending a lot on your car’s consumable items which have specific uses or Used either consumed totally or are rendered unfit for further usage. Under such circumstances, HDFC ERGO offers Cost of Consumable Items to cover costs arising due to purchase or replacement of consumable items.
Consumable items include
Nut, bolt, screw, washers, grease, coolants, lubricants, engine & other oils, clips, ac gas, bearings, battery water, filters, sealants, gaskets.
Emergency Assistance Service Programme
For enhancing the overall services under emergency situation, HDFC ERGO offers Emergency Assistance Service Programme. It helps you deal with any mechanical or technical breakdown or road accident. It aims at providing round the clock road assistance for a pleasurable driving experience.
- “On site” Minor Repairs of the Covered Vehicle
- Duplicate Keys
- Assistance in case of Lost Keys/Locked
- Battery Jump Start
- Tyre change
- Fuel delivery
- Emptying of the Fuel Tank
- Towing and Removal of the Covered Vehicle
T&C* Please read the details on territorial scope for emergency assistance)
Return To Invoice
Generally, in case of loss or theft of vehicle you get the Insured Declared Value only. However, there’s a significant difference between the IDV and ex-showroom value. By opting for HDFC ERGO’s Return to invoice add-on you get the above mentioned differential amount as well. This add-on reduces cost burden and allows you to happily buy a new car.
What’s not covered?
- If the theft / stolen vehicle is recovered within 90 days
- FIR under theft claim is not issues by Police Authorities
Key Replacement cover (Emergency Assistance Wider cover)
Imagine yourself in a situation where you lose your vehicle keys or misplace them. This situation may create a panic as you cannot drive without keys. Even if you decide to buy one, it’s quite expensive. Hence, the Key replacement cover helps in delivering lost or stolen keys by arranging for an alternate key subject to submission of a police report.
Emergency Assistance Wider Cover
This add-on assists when the keys of the insured vehicle are lost, misplaced or stolen. In such a scenario buying a new key may be cumbersome; under such circumstances we issue you a new set of keys subject to submission of police report.
*Please note these are illustrative exclusions. For a detailed informative list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is Subject to the language of policy issued.