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Every policyholder should have a motor insurance policy to protect their expenses due to vehicle damage losses from unforeseen events. A motor vehicle insurance will help you ride your vehicle with a peace of mind. Your vehicle has a special place in your heart. While you cannot bubble wrap your vehicles against unwanted damages or loss, you can ensure their security with motor insurance. Look no further, HDFC ERGO is your one stop solution for motor vehicle insurance whether it is for your car or your two wheeler.
While accidents and road mishaps might not be avoidable, having motor insurance for your beloved car/ bike can save you from paying hefty repair bill for your vehicle. The damages your vehicle may suffer due to a natural calamity, such as an earthquake, flood, landslide etc., or a man-made disaster, can be compensated for when you have the right motor vehicle insurance policy. When you buy a vehicle, buying insurance is not just a legal mandate but also very much needed. The coverage can help you cover the costs of repair that your car/ bike has suffered. You can buy motor insurance online from HDFC ERGO and choose plan as per your requirement.
Types of Motor Insurance Offered
Motor insurance policy is imperative for the protection of your car/bike. Here are the types of plans available for you to choose from
Car insurance or four-wheeler insurance is where the insurance provider agrees to offer coverage for the owner’s car against damage or expenses incurred due to accidents, natural calamities, theft, etc., in return for a premium. A formal agreement is signed by both parties, which becomes a legal insurance cover. Below are a few types of car insurance:
Plan (1+3)
Two wheeler insurance provides coverage to a bike owner from unanticipated accidents, natural disasters, etc. Below are a few types of two wheeler insurance:
Insurance
Wheeler Insurance
Insurance (1+5)
Features of Motor Insurance Online
| Feature | Description |
| Third-party Damage | Motor vehicle insurance covers third-party person/property damage and physical injury to the third party involved in the accident caused by the insured car. |
| Own Damage Cover | The standalone own damage cover of motor insurance policy will provide coverage for damage sustained by your car due to fire, collision, man-made disasters and natural disasters. |
| No Claim Bonus | The motor insurance policy will give you up to 50% reduction in subsequent premiums if you don’t raise any claims during the policy period. |
| Pocket-Friendly Premiums | The HDFC ERGO motor insurance are affordable. The motor bike insurance starts at Rs 538 while car insurance is available from Rs 2094. |
| Cashless Garages | HDFC ERGO offers over 6700+ cashless garages for car providing free maintenance and replacement services. While for two wheeler there are 2000 plus garages. |
| Claim Settlement Ratio | HDFC ERGO has a record of 100% claim settlement ratio for its motor insurance policies. |
Benefits of Motor Insurance Online
The benefits of having the motor vehicle insurance policy are:
| Benefit | Description |
| Holistic Coverage | Motor vehicle insurance covers practically every situation that could cause damage to your vehicle. However, standalone own damage cover and comprehensive cover provide coverage for own damage of the vehicle. |
| Legal Charges | The motor insurance policy covers legal fees paid to your lawyer if someone files a lawsuit for an accident involving your car. |
| Adherence to Law | Motor Insurance policy can help avoid penalties, as third-party vehicle coverage is legally mandatory. If you drive with expired motor insurance policy, you could be fined up to Rs 4000. |
| Flexible | You can raise the scope of coverage by selecting a suitable add on cover like no claim bonus protection cover, zero depreciation, roadside assistance, etc. |
Motor Insurance Policy inclusions and exclusions
Accidents
Damages arising out of accidents are covered under this policy. Worry not and enjoy your drive!
Fire & Explosion
An unexpected fire or explosion can reduce your ride to ashes, but we promise to protect your finances!
Theft
Don’t let the thought of car or bike theft rob you off your sleep. We cover you for the losses incurred in case your ride is stolen.
Natural Calamities
Situations like natural calamities are out of hand but not out of scope. We cover damages to your car or bike in case of natural calamities such as floods or earthquakes
Personal Accident
We offer a compulsory personal accident cover to cover your treatment charges, in case of injuries due to an accident. Always prioritizing your safety is our promise!
Third Party Liability
Any damage to a third party property or injuries are covered through our third party insurance feature
Depreciation
Long exposure to roads can result in wear and tear, but regrettably, we do not cover the depreciation in the value of your car
Electrical & Mechanical Breakdown
Similar to any machine, your car can too have electrical or mechanical issues, however, they remain outside the scope of coverage
Illegal Driving
Driving without a valid driving license or under the influence of alcohol or substances is neither cool not covered
Why Do You Need
Motor Insurance?
As the number of vehicles on Indian roads increases day by day, despite being a cautious driver, you are always at risk of being in a collision. And it's not just drivers’ negligence on the road, jaywalking pedestrians, stray animals on the highway, or trying to save kids running on the road. Accidents can happen anywhere, anytime. Understanding the motor insurance meaning will help you understand how having a motor insurance is imperative.
Take a look at how your motor insurance can help:
It is a legal mandate
Motor Vehicle Act 1961 makes it mandatory for every motorised vehicle to have minimal third party liability insurance coverage to ply your vehicle on Indian roads. Thus, a motor insurance policy is considered to be a mandatory requirement.
Save yourself and others
Your motor insurance policy would help cover the cost of repairs to your vehicle in case of an accident, as well as that of the others.
Cover from unpredictable disasters
The damage to your vehicle due to manmade disasters would be covered by a motor insurance policy.
Cover the legal liabilities
The legal liabilities that occur due to an accident caused due to your fault/ negligence would be covered under the motor insurance policy
6 Reasons Why HDFC ERGO’s Motor Insurance Should Be Your First Choice
Compare HDFC ERGO Motor Insurance Plans
You can choose third party or comprehensive or standalone own damage cover for your motor insurance policy. Let us compare these three plans
| Covers Under Motor Insurance | Comprehensive Cover | Third Party Cover | Standalone Own Damage Cover |
| Damage due to natural calamities – Earthquake, cyclone, floods etc. | Included | Excluded | Included |
| Damage due to events like – Fire, theft, vandalism etc. | Included | Excluded | Included |
| Choice of add-ons – Zero depreciation, NCB protect etc. | Included | Excluded | Included |
| Customization of car value | Included | Excluded | Included |
| Personal accident cover of Rs. 15 Lakhs~* | Included | Included | Included |
| Damage to third party vehicle/ property | Included | Included | Excluded |
| Injury to a third party person | Included | Included | Excluded |
For overall protection of your vehicle is is wise to purchase long term comprehensive plan for your motor insurance policy. However, if you already have a third party cover, you can buy standalone own damage cover and get expenses secured for damage to your own vehicle due to any insurable peril.
Get Added Protection with Our Add-On Covers
In case your car or bike gets damaged, this add-on will ensure that you get the full claim amount without any deduction for depreciation.
This add-on protects the No Claim Bonus you have earned till date and carries it on to the next slab, so you get a massive discount on the premium.
If your car or bike breaks down without warning, this add-on will get you help round the clock.
With this add on cover you will get coverage for loss of your personal belongings such as clothes, laptops, mobile, and vehicle documents like registration certificates, etc.
Is your car completely damaged or stolen? Don’t worry as this add-on will help you get your invoice value back.
Getting a damaged engine fixed can be quite expensive. But not with this add-on.
In case your car has to get repaired at one of the insurer’s network garage, you will be compensated for what you are spending on alternate commute.
This add on cover with motor vehicle insurance provide coverage for consumables items like lubricants, engine oil, brake oil, etc.
How to Use a Motor Insurance Calculator?
While buying or renewing a car insurance policy, it is necessary to know how its premium is calculated.
Here’s a step-by-step guide for calculating your car insurance premium
You can use our car insurance calculator or bike insurance calculator to calculate the motor insurance premium. Apart from this you can also view your motor insurance quote online by visiting our car insurance or bike insurance page.
Out motor insurance premium calculator is a speedy online tool that helps you calculate the premium money that you would have to pay towards your motor insurance policy. You just need to put a few details, such as your name, mobile number, vehicle and city details, and preferred policy type. The premium calculator for motor insurance policy will give you the exact premium amount.
How to Reduce Vehicle Insurance Premium
Here are few ways to reduce motor vehicle insurance premium:
Compare Motor Insurance Online
Comparing motor vehicle insurance online is something that all buyers must undertake without fail. Comparing policies allows you to evaluate different plans, most of which you would have otherwise missed out on before you arrive at your final decision. You can check motor insurance quote online. Insurance premiums generally differ with the difference in motor insurance policy, and the extent of coverage they offer.
Get Anti-Theft Devices
By installing Anti-theft devicesin in your vehicle, you can reduce the probability rate of theft or robbery. This will also reduce chances of making motor insurance claims (related to theft or robbery). Hence, insurance companies offer certain discounts to vehicle owners who have anti-theft devices installed in their cars.
Don’t Make Small Claims
Insurers allow policyholders to maximize benefits in the form of NCBs (No Claim Bonus) for an insurance term, wherein they haven’t made any claims. These benefits are generally offered in the form of lower premiums, and insured person can avail it at the end of the policy year, during policy renewals.
Don’t Let Your Motor Insurance Policy Lapse
Ensure that you renew motor insurance policy on timely basis. By forgetting to renew and letting it lapse, you will not only have to purchase a new plan again but may also have to pay a penalty. Also, you become ineligible for a No Claim Bonus, despite having made no claims during the policy tenure. However, NCB benefit lapse, if you do not renew motor insurance policy within 90 days of its expiry. You can renew motor insurance online easily through HDFC ERGO website without any hurdles.
Avoid Choosing Unnecessary Add-on Covers
Policyholders can also cut down on their motor insurance premium by opting for only the required amount of coverage. Buying unnecesary add on will add to your premium.
How to Buy Motor Insurance Online
To buy a new motor insurance policy online
1. Visit our website fill in the details, including your vehicle registration number, mobile number and email address.
2. Enter the policy details and the add-on to the cover you would like to opt for.
3. Complete the process by paying the premium amount via online payment.
A confirmation mail along with the policy will be mailed to you.
How to Renew Your Motor Insurance Online
To renew existing motor nsurance policy online
1. Visit our website and select renew the policy.
2. Enter the details, include/ exclude the add on covers and complete the journey by paying the premium online.
3. The renewed policy will be mailed to your registered email id.
Importance of Motor Insurance Renewal
Here are some of the benefit of renewing motor insurance online with HDFC ERGO
| Benefit | Description |
| Third Party Coverage | In an accident involving insured person's vehicle, the expenses related to third-party property/person damages will be borne by insurer if you renew motor insurance policy on time. |
| Comprehensive Coverage | By renewing expired motor insurance online, you continue to get coverage against natural calamities and man-made disasters. You also get coverage for vehicle damage due to fire and other insurable peril. |
| No Claim Bonus (NCB) | When you renew motor insurance without raising a claim during the policy period, you will be eligible for NCB benefit. It is a discount on insurance premium, you can use during motor insurance policy renewal. |
| Car Insurance Online | Motor insurance renewal online can be done through HDFC ERGO website. You can simply enter few details about your vehicle, previous policy and buy the policy online within few minutes. |
| Security | By renewing motor insurance policy on time you can drive around with peace of mind and not worry about the thoughts of the financial implications of an accident. |
| Traffic Penalty | By renewing your policy you can avoid paying traffic fines to RTO. As driving with expired motor insurance policy is illegal as per the Motor Vehicles Act of 1988. |
Motor Insurance Claims Simplified for You
It cannot get any simpler! Our 4 step process will put to ease your claim related queries:
Step #1Ditch the paperwork! Register your claim and share required documents online.
Step #2You can opt for self-inspection or an app enabled digital inspection by a surveyor or workshop partner.
Step #3Relax and keep track of your claim status through the claim tracker.
Step #4Take it easy while your claim is approved and settled with the network garage!
Claim Related Worries? Not Anymore!
Owning a vehicle comes with its share of responsibility and worries, one of these is the hassle you may face if you need to make a claim against damage to your car or bike. With HDFC ERGO your claim related worries can take a backseat, we are not just blowing our own trumpet, read on and then agree with us:
Factors that Affect Your Motor Insurance Premium
From whether you drive an SUV to where you reside, there are several factors that come into play before you get the motor insurance quote pop on your screen. Here we list down the top factors that impact your motor insurance premium:
How old is your vehicle?
Is your car a graduation gift from your parents you received a decade back? Or do you still ride the bike you got from your first salary in the late 90’s? These questions are crucial in deciding the premium amount you will pay because the bottom-line is the older your vehicle the more you need to shell out in terms of insurance premium.
Which vehicle do you drive?
Whether you drive an old school scooter or a swanky sedan, the premium amount for your prized possession will differ as per the make and model of your vehicle.
Where do you reside?
Do you live in a gated community with advanced security or an area notorious for its crime rate? Well, your answer is the key to how much you will end up paying for your car or two wheeler insurance.
What is your vehicle’s engine capacity and fuel type?
Whether you are an environmentalist who opted for an electric scooter or a speed buff who thrive on higher horsepower, your vehicle’s engine capacity and fuel type are important factors in deciding your vehicle insurance premium amount.
Why is Motor Insurance Mandatory in India?
Motor vehicle insurance is mandatory in India considering the high number of motor vehicle accidents that occurs in India. The main reason is to protect public interest, promote safe driving habits, and offer financial protection to car owners. Having a valid motor insurance policy is essential to comply with the law and ensure that you are financially protected in case of any unforeseen events.
In India, as per the Motor Vehicles Act of 1988, it is mandatory that all vehicles that operate in any public space must have the third party cover of motor vehicle insurance.
Motor Vehicle Rule Updation by IRDAI
The following are the amended rules of IRDAI:
• For purchasing Long-term car insurance plans, the duration of the policy period should be at least three years.
• You can lower premium amount by purchasing only third-party long-term policy.
• Standalone own-damage cover can be purchased along with third-party insurance policy on an annual basis.
• The grid for NCB slab is the same for all insurance companies.
• In case of total loss or theft claims, registration Certificate (RC) will stand cancelled, and the policyholder must send the RC to the insurance companies.
• Compulsory deductibles and Standard deductibles are now the same.
• For cars with 1500cc or less and cars with 1500cc or more engine displacement capacity, the standard deductible are fixed at Rs.1000 and Rs.2000, respectively.
• Insurance cover of Rs. 25,000 is mandatory for all passengers travelling in the insured vehicle as per recommendation of IRDAI.
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