You can trust HDFC ERGO Motor Insurance to protect your vehicle, your most prized possession. It ensures you to get back in the driver's seat quickly, no matter what happens to your vehicle. We ensure that you not only get Motor Insurance but also package post-accident assistance, when you need it.
With a focus on Package policies for Private cars, HDFC ERGO General Insurance offers you the convenience, professionalism and understanding you want.
Key Highlights :
- Cashless Claim Service over 1400 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
- Say No to lengthy procedures. BUY & RENEW ONLINE
- Instant Online Policy issuance
- Transfer existing "No claim bonus" in full
- Avail discount basis your age and profession
- SMS alert at every stage of claim
- Cashless claim services at 1400 garages
- Assured service at competitive pricing
A package Motor Insurance policy would cover the following
Liability To Third Parties:
- Loss Of Or Damage To The Vehicle Insured:
- Loss or damage to your vehicle caused by any one of the following events
- Accident by external means
- Burglary, House Breaking or Theft
- Fire, Explosion, Self Ignition, Lightning
- Terrorism, Riots, Strikes, Malicious Acts
- Transit by road, rail, inland waterways, air or lift
- Earthquake, Flood, Storm, Landslide or Rockslide
The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.Personal Accident Cover For Owner-Driver:
The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability.
Additional DiscountsAge Discount
- If the age of the Insured is between 36 years to 45 years ? 5 % Discount on the Own Damage Section of the policy
- If the age of the Insured is more than 46 years ? 10 % Discount on the Own Damage Section of the policy
For Age Discount, you need to submit Age Proof viz. Driving License Copy.
In case of online policy
, age proof should be submitted at the time of claim.
An insured pursuing any of the following occupation can avail 5% discount on the Own Damage Section of the policy:
- A fully qualified and practicing Chartered Accountant
- Serving in defense and paramilitary services
- Teaching in Government recognized Schools, Colleges, and Universities & Educational Institutions
- Employees of Central / State Government departments
- Qualified medical doctors who are registered with any Government recognized Medical Council.
For Occupation related discounts, you need to submit either the education or employment certificate.
In case of online policy, occupation proof should be submitted at the time of claim.
Add On Covers
When it comes to choosing your dream car, you have invested your precious time in analyzing every minutest detail. Rev up with the confidence of having a comprehensive insurance plan carefully designed to provide optimum coverage and no surprises! 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:
- Provides added security and complete peace of mind
- Minimizes out-of-pocket expenses
- Widens the existing scope of cover
- 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
- Damage to tyres / tubes, unless damaged in an accident
- Loss/Damage, outside India
*Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to the language of policy issued.