Buy Comprehensive Car Insurance
Premium starts at ₹2072 ^

Premium starts

at ₹2072*
8000+ Cashless Network Garages ^

8000+ Cashless

Network Garages**
Overnight Car Repair Services ^

Overnight Car

Repair Services¯
4.4 Customer Ratings ^

4.4

Customer Ratings
Home / Motor Insurance / Car Insurance / Comprehensive Car Insurance

What is

 Comprehensive Car Insurance?
Comprehensive Car Insurance
As the name suggests, comprehensive car insurance gives your car much needed all rounded protection that gives you extensive coverage from a barrage of risks, this includes damages or loss arising due to natural calamities, theft, accidents, fires etc. Not just that it also gives you the added benefit of cover against third party liabilities. And if this isn’t enough it is customizable too and can be further enhanced with your choice of add-on covers that could range from zero depreciation cover to an emergency assistance cover. You can tailor the coverage as per your requirement in a cost effective manner.

6 reasons why HDFC ERGO’s Comprehensive Car Insurance is all you need!

Upto 70% off on premium
Upto 70% off on premium
Get holistic coverage for your car at prices that sound unbelievably good
8000+ cashless network garages
8000+ cashless network garages
Our network spans pan India meaning no more carrying cash and worrying about help even in the remotest corner
Overnight repair service
Overnight repair service
Making a claim is a cakewalk as we are just a chat away, all you’ve got to do is message to intimate a claim
#1.5 Crore+ Happy Customers
#1.5 Crore+ Happy Customers
We are proud to say we’ve put smiles on 1.5 Cr + customers and counting, so join the happy family! 
WhatsApp claim intimation
WhatsApp claim intimation
It is just a matter of dusk to dawn and your car will be back in shape ready for use.
AI enabled motor claim settlement
AI enabled motor claim settlement
Our AI enabled tool IDEAS enables a faster and hassle free motor claim experience

Comprehensive car insurance Vs Third party car insurance


Given a choice between an umbrella, gum boots and a raincoat versus a flimsy jacket on a rainy day, what would you choose? You wouldn’t even blink before answering that the former is a far more sensible and safe alternative. The question of choosing between a comprehensive cover or a third party cover for your car is fairly similar. Opting for protection against third party liabilities only can leave you vulnerable to a number of risks causing financial losses versus a 360 degree protection for your car with comprehensive car insurance. Still pondering? We help you weigh the pros and cons of both:

Star  80% CUSTOMERS
CHOOSE THIS

Comprehensive
Cover
Third Party
Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
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Damage due to events like – Fire, theft, Vandalism etc.
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Personal Accident Cover of Rs. 15 Lakhs
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Choice of add-ons – Zero Depreciation, NCB Protect etc.
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Damage to third party vehicle/ property
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Injury to a third party person
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No hefty fines levied if valid policy in place
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Customization of car value
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BUY NOW
Did you know
Not having a comprehensive policy can leave you vulnerable to risks in turn causing huge financial losses!

Comprehensive car policy inclusions and exclusions

Covered in Car insurance policy - Accidents

Accidents

Been in a car accident? Keep calm, we cover damages your car sustains in an accident.

Covered in Car insurance policy - fire explosion

Fire & Explosion

We won't let a fire or an explosion burn your finances to ashes, be rest assured your car is covered.

Covered in Car insurance policy - theft

Theft

Your car getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Covered in Car insurance policy - Calamities

Calamities

Calamities can wreak havoc and your car is not immune to them, but your finances are!

Covered in Car insurance policy - Personal accident

Personal Accident

Your safety is our priority, in case of injuries due to a car accident we cover your treatment charges.

Covered in Car insurance policy - third party liability

Third Party Liability

We cover damages to a third party property or injuries sustained by a third party person through our third party insurance feature.

Supplement your comprehensive car insurance with a choice of add-ons

Boost your coverage
Zero Depreciation Cover - Insurance for Vehicle

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands.

No Claim Bonus Protection - Car insurance renewal

Made a claim, worried about your NCB discount? Don’t worry, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to the next NCB slab earning you a significant discount on your premium. 

Emergency Assistance Cover - Car insurance claim

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car.

Boost your coverage
Return to Invoice - insurance policy of car

Love your car dearly? Give your car this add on cover and recover your invoice value back in case of theft or total damage to your car. 

Engine and gearbox protector by best car insurance provider

The engine is the heart of your car and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.

Downtime protection - best car insurance in india

Car in the garage? This cover will help bear the expenses you would spend on cabs for your daily commute while your car is getting repaired.

Read more about how you can boost your car insurance coverage with these add-ons and what they comprise click here!

Filing a claim is now as easy as 1,2,3,4!

Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!

  • Step 1-  Register for car insurance claim
    Upload Documents
    Ditch the paperwork! Register your claim and share required documents online.
  • Step 2-  digital inspection or self inspection by surveyor
    Self Survey/ Digital Surveyor
    You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
  • Step 3 - Track insurance claim status
    Claim Tracker
    Relax and keep track of your claim status through the claim tracker.
  • Step 4 -  settle when claim is approved
    Claim Approved
    Take it easy while your claim is approved and settled with the network garage!

Say goodbye to claim related worries!


If filing a claim was a cakewalk with our 4 step process, our claims settlement record will put to ease any claim related worries you may have. The word ‘claims’ makes many break into a sweat but with HDFC ERGO’s claim settlement records of settling 50% car claims the same day to our express theft claim settlement, you can wipe that sweat from your brow. Still hesitant? Here are 5 reasons why we call our claim process quick and easy:

Reason 1
WhatsApp claim intimation
Making a claim is a cakewalk as we are just a chat away, all you’ve got to do is message to intimate a claim
Reason 2
AI enabled motor claim settlement
Our AI enabled tool IDEAS enables a faster and hassle free motor claim experience
Reason 3
Overnight repair service
Now no more losing precious sleep over car repairs with the overnight repair service your car is ready for commute by morning
Reason 4
8000+ cashless network garages
Our network spans pan India meaning no more carrying cash and worrying about help even in the remotest corner
Reason 5
Paperless Claims Processing
No more piles of paperwork or standing in serpentine queues, documents processing is now 100% paperless at HDFC ERGO
WhatsApp claim intimation
Making a claim is a cakewalk as we are just a chat away, all you’ve got to do is message to intimate a claim
AI enabled motor claim settlement
Our AI enabled tool IDEAS enables a faster and hassle free motor claim experience
Overnight repair service
Now no more losing precious sleep over car repairs with the overnight repair service your car is ready for commute by morning
8000+ cashless network garages
Our network spans pan India meaning no more carrying cash and worrying about help even in the remotest corner
Paperless Claims Processing
No more piles of paperwork or standing in serpentine queues, documents processing is now 100% paperless at HDFC ERGO/div>
GET A FREE QUOTE NOW
All Set to Buy A Car Insurance Plan? It will just take a few minutes!

What Makes HDFC ERGO’s Comprehensive Car Insurance Stand Out

Affordability quotient

Affordability quotient

With premium starting at Just ₹2072*, we offer premiums that don’t burn a hole in your wallet while offering maximum benefits. From no-claim bonus upto 50% to discounts on installing anti-theft features, we promise savings galore. And if that’s not all, you can now get massive discounts of up to 70% while securing your car.

Dusk to dawn repair service

Dusk to dawn repair service

Car needs repair but worried how you’ll commute to the office next morning? HDFC ERGO’s Overnight repair service is here to save the day! We take care of minor accidental damages or breakdowns while you catch up on your sleep and get your car back in shape by morning. If this doesn’t spell convenience, what does?

Wide network of cashless garages

Wide network of cashless garages

Hiccup in the journey? Now no more worrying about cash to get your car fixed while you are stranded in the middle of nowhere. With our 8000+ cashless garages pan India help is never too far, our widespread network of cashless garages will be your friend in need. To add to this our 24x7 roadside assistance ensures help is just a phone call away, and your car is taken care of anywhere anytime.

Crores of happy customers

Crores of happy customers

With over #1.5 Crore+ happy customers, we are proud to say that we’ve put smiles on a million faces and counting. The testimonials from our ever growing family of customers are heartwarming to say the least. So toss your car insurance related worries aside and join the happy customers club!

A claim process that is a cakewalk

A claim process that is a cakewalk

We make sure that your claim experience is hassle free and swift. Paperless claims, self inspection options and  our quick claim settlement record are a testimony to our promise of making the claim process a breeze for our customers. So say goodbye to claim related worries whether it is intimating a claim or waiting for it to get settled.

Go on, reap the benefits of having a comprehensive car insurance policy

  • Not having a comprehensive policy can leave you vulnerable to risks in turn causing huge financial losses.
  • No more fines as it includes third party liability cover which is mandatory as per the Motor Vehicle Act 1988.
  • Complete protection for your car and peace of mind for you!
  • Customizable with a range of add-on covers that cater to every car insurance need.

The how and why of buying comprehensive car insurance online

Step 1 to calculate car insurance premium

STEP 1

Enter your registration number

Step 2 - Select policy cover- calculate car insurance premium

STEP 2

Select your policy cover*
(In case we are not able to auto fetch your vehicle details,
we will need just a few details of your vehicle - Make,

Select your policy cover*
(In case we are not able to auto fetch your vehicle details,
we will need just a few details of your vehicle - Make,
model, variant, registration year and registration city)

 

Step 3- Previous car insurance policy details

STEP 3

Provide your previous policy
and No Claim Bonus (NCB) status

Step 4- Get you car insurace premium

STEP 4

Get your car insurance quote in an instant

Here’s Why :

1
Ease and convenience
Experience true convenience by giving your car complete protection from the confines of your home all within 3 minutes.
2
Informed choice
Researching and knowing what your comprehensive car insurance policy entails helps you stay abreast of what’s in store rather than being caught unaware.
3
Cost effective
It helps you save your hard earned money while you explore different combinations of add-ons, and other parameters that decide your premium amount.

The perfect companion to your car insurance - Our add on covers

Zero Depreciation Cover - Insurance for Vehicle
Zero Depreciation Cover
It is common knowledge that the depreciation value of any commodity be it electronics or a car starts its journey southwards as soon as you make a purchase. This is where a zero-depreciation add on cover comes into the picture. It helps protect your finances in case of a claim due to physical damages to your car. It is recommended for new and premium cars since it helps to decrease the expenditures involving losses.
How it helps
Aasaan and Pareshaan Singh had unfortunately been in an accident and while Aasaan was recovering at home and binge watching movies, Pareshaan was worried sick of the financial burden he would face on making a claim! Aasaan had ensured he bought a Zero Depreciation Cover along with his car insurance, the result being his sole focus was on getting back on his feet and getting his car back in shape while he got the entire claim amount with no depreciation cuts.
No Claim Bonus Protection - Car insurance renewal
No Claims Bonus Protection
Don't we all love rewards? Be it those that come with working hard or being a responsible citizen. Well, driving is going to be no different! If you’ve been on the right side of the law while using your car, you earn a no claim bonus of upto 50%. And this add-on cover helps you continue to retain the benefits earned for a longer time despite making claims in the insured year.
How it helps
Both Aasaan and Pareshaan Singh were responsible drivers who diligently followed all traffic rules. The reward for this was their no claim bonus that they accumulated over the years, however one fateful day a cyclone left in its wake damages and destruction. Their cars were not spared either. And while Aasaan pieced together his life after the calamity knowing his NCB is protected despite making a claim, Pareshaan suffered sleepless nights. The NCB protection cover protects the NCB you earned and carries it to the next slab.
Emergency Assistance Cover - Car insurance claim
Emergency Assistance Cover
It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that - a friend in need. With 24X7 emergency assistance services like refueling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your car suddenly breaks down in the middle of nowhere.
How it helps
Aasaan and Pareshaan went on a road trip to an exotic south Indian destination and while on a scenic coastal road they both faced some issues with their respective cars. While Pareshaan struggled to communicate with the locals about his car breaking down not knowing the local dialect, Aasaan sipped on coconut water as a professional technician helped jump start his car batteries.
Return to Invoice - insurance policy of car
Return to Invoice
As a car owner you may live under constant fear of theft or irreparable damage to your car, this is where our return to invoice add on cover comes to your rescue. Opting for this cover can help you get the original invoice value of your car including road tax and registration fees. It allows you to bridge the gap between the declared insurance value and the actual invoice value of the car.
How it helps
A burglary in the neighborhood made Aasaan and Pareshaan victims of car theft. And while Pareshaan was sulking on losing his beloved car, Aasaan was not stressed owing to the return to invoice add on that he had purchased with his car insurance. This add on cover offers coverage for an equivalent car replacement and protects you against losses like car theft or total damage.
Engine and gearbox protector by best car insurance provider
Engine & Gear Box Protector
The engine protect cover is crucial to safeguard the most vital part of your car - your engine, from prospective damages and the resultant repair costs that can be steep. Whether it is waterlogging or damaged roads, your car and its engine are vulnerable to damages.
How it helps
Aasaan and Pareshaan lived in an area that was prone to waterlogging and their car engines were vulnerable to damage. Then one day when the rain gods unleashed their fury both their cars got submerged in water and while Aasaan drank hot tea at home, Pareshaan was busy drying his tears. The engine and gear box protector helps save costs incurred due to replacement or repair of your engine.
Loss of Use – Downtime Protection
Loss of Use – Downtime Protection
A car accident not only causes financial loss in terms of the repair the car undergoes but also leaves you without a means of transport. But no more feeling helpless while your car is recuperating in the garage. The loss of use - downtime protection cover aids you with a pre-decided daily amount to offset any inconveniences faced by you while your car undergoes repair.
How it helps
While on their way to office Aasaan’s car broke down and Pareshaan had a minor accident, as a result both their cars were in the garage for some days. While Aasaan took a cab to office the following days, Pareshaan jostled and hustled to find a bus to office in a bid to save commuting cost. This add on cover helps you with your alternative transport or cab expenses from the time your car is sent to the garage till it returns home.
Cashless garage network
8000+** Network Garages
Across India

Hear from our happy customers

4.4 Stars

Star rating to HDGCERGO car insuranceOur customers have rated us View all 1,58,678 Reviews
My car had got stolen but fortunately it was insured with HDFC ERGO. The fast track claim settlement and fabulous claims team ensured my claim was settled quickly and easily. I can never even think of getting my other cars insured with any other company except HDFC ERGO.
Excellent service by HDFC ERGO with special mention of the claims team. I got my vehicle before the time committed to me and in an excellent condition and the way my claim was dealt with, is really commendable. I would recommend a HDFC ERGO car insurance policy.
Thank you for making my car insurance purchase hassle-free. The service I received was commendable, with special mention to customer support team who patiently answered all my queries and ensured my doubts were cleared. Even in this pandemic situation, HDFC Ergo made sure I had a memorable buying experience.
I was pleasantly surprised with the smooth and seamless process and also the speed at which the service was delivered. Excellent service, only suggestion I have is to keep the app updated , so that the customer can get all the status and progress of the case.
I have had a great experience in my dealings with HDFC ERGO and I feel it is the best insurance company. They are synonymous with being efficient, hassle free and fair and I highly recommend HDFC ERGO to all my friends and family.
The claim settlement process was smooth and only reiterated the fact that HDFC ERGO’s services are excellent. Despite the COVID 19 situation and offices being closed which caused a little delay, my experience was hassle-free and I will continue to be a customer of HDFC ERGO in future too.

Frequently asked questions


Modification that alters your car’s performance or changes its safety parameters will affect your insurance premium in an unfavorable manner. The premium for modified cars are often higher and it is not advisable to opt for the same.
The insurance policy has to be transferred from your name to the new owner. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount are required for this. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
Did you know
A ₹ 5 coin is the best substitute of tire depth gauge for measuring the remaining tire depth!

Awards & Recognition

Last updated: 2021-05-04

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