Buy Vehicle Insurance from HDFC ERGO
Premium starts at ₹2072 ^

Premium starts

at ₹2072*
8000+ Cashless Network Garages ^

8000+ Cashless

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Home / Motor Insurance

Secure your automotive

 assets with motor insurance
Motor Insurance
Love feeling the wind on your face as you cruise on your bike or the heady feeling of driving your car on an empty highway? We know the special place in your heart you reserve for your vehicles! While you cannot bubble wrap your vehicles against unforeseen damages or loss, you can ensure their security with motor insurance. Look no further, HDFC ERGO is your one stop solution for vehicle insurance whether it is for your car or your two-wheeler.

6 Reasons Why HDFC ERGO’s Motor Insurance Should Be Your First Choice

Affordable Car Insurance
Premium starting at Just ₹2072*
Now protect your ride with a trusted brand such as ours at unbelievable prices!
Upto 70%^ off on premium
Upto 70% Off^ on Premium
The second best reason to buy HDFC ERGO car insurance? Massive discounts on your premium. Need we say more?
Network of 8000+ Cashless Garages:**
Network of 8000+ Cashless Garages**
With a network of 8000+ cashless garages, find us at every milestone wherever the road takes you
Buy Policy in Less Than 3 minutes
Buy Policy in Less Than 3 minutes
Why resort to traditional methods when you can buy policy in three minutes?
Instant Policy & Zero Documentation
Zero Documentation & Instant Policy:
Paperless is the new normal with our online insurance buying process.
Overnight repair service^
24x7 Roadside Assistance
We don't let a dull moment ruin your journey with our 24x7 Roadside Assistance.

Motor Insurance Policy inclusions and exclusions

Covered in Car insurance policy - Accidents

Accidents

Damages arising out of accidents are covered under this policy. Worry not and enjoy your drive!

Covered in Car insurance policy - fire explosion

Fire & Explosion

An unexpected fire or explosion can reduce your ride to ashes, but we promise to protect your finances!

Covered in Car insurance policy - theft

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.

Covered in Car insurance policy - Calamities

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

Covered in Car insurance policy - Personal accident

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!

Covered in Car insurance policy - third party liability

Third Party Liability

Any damage to a third party property or injuries are covered through our third party insurance feature

Motor insurance claims simplified for you

It cannot get any simpler! Our 4 step process will put to ease your claim related queries:

  • Step #1
    Step #1
    Ditch the paperwork! Register your claim and share required documents online.
  • Step #2
    Step #2
    You can opt for self-inspection or an app enabled digital inspection by a surveyor or workshop partner.
  • Step #3
    Step #3
    Relax and keep track of your claim status through the claim tracker.
  • Step #4
    Step #4
    Take it easy while your claim is approved and settled with the network garage!

Get added protection with our add-on covers

Boost your coverage
Zero Depreciation Cover - Insurance for Vehicle

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.

NCB protection (for cars) - Car insurance renewal

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.

Emergency Assistance Cover - Car insurance claim

If your car or bike breaks down without warning, this add-on will get you help round the clock.

Boost your coverage
Return to Invoice (for cars) - insurance policy of car

Is your car completely damaged or stolen? Don’t worry as this add-on will help you get your invoice value back.

Engine and gearbox protector by best car insurance provider

Getting a damaged engine fixed can be quite expensive. But not with this add-on.

Downtime protection - best car insurance in india

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.

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:

Scenario 1
80% of our car claims are settled within one day of the receiptˇ
No one likes long waiting, we understand! And that is why we process 80% of our claims within one day of the receipts received.
Scenario 2
We offer unlimited claims
Worried about frequent claims being rejected? We do not let that thought make you feel helpless as we offer unlimited claims for your car or two-wheeler damages.
Scenario 3
Rated iAAA: Highest claims paying ability
We do not say it, they do! You heard that right! We have been rated iAAA by ICRA indicating our highest claim paying ability.
Scenario 4
AI enabled tool
The world has gone digital and so has our claims process. Once you file your claim, tracking the status is easy with our AI-enabled tool. Say goodbye to complicated claim processes!
Scenario 5
Paperless claims
We believe in making insurance simple, one-step at a time! We have made our claims paperless and smart phone-enabled. Now check your damages yourself using video inspection and follow guided process to file your claim through your mobile. Fairly simple, isn’t it?
80% of our car claims are settled within one day of the receiptˇ
No one likes long waiting, we understand! And that is why we process 80% of our claims within one day of the receipts received.
We offer unlimited claims
Worried about frequent claims being rejected? We do not let that thought make you feel helpless as we offer unlimited claims for your car or two-wheeler damages.
Rated iAAA: Highest claims paying ability
We do not say it, they do! You heard that right! We have been rated iAAA by ICRA indicating our highest claim paying ability.
AI enabled tool
The world has gone digital and so has our claims process. Once you file your claim, tracking the status is easy with our AI-enabled tool. Say goodbye to complicated claim processes!
Paperless claims
We believe in making insurance simple, one-step at a time! We have made our claims paperless and smart phone-enabled. Now check your damages yourself using video inspection and follow guided process to file your claim through your mobile. Fairly simple, isn’t it?

What is motor insurance and why do you need it?

What is motor insurance and why do you need it?
As the name suggests, motor insurance offers coverage to your vehicles either car or two-wheeler against financial losses due to an accident, act of theft, vandalism or a natural calamity. It is recommended to opt for comprehensive motor insurance policy that covers third party liabilities as well as compensation for your own losses. While there are many reasons to answer why motor insurance is the need of the hour, the most pertinent is the fact that it is mandatory as per the Motor Vehicles Act, 1988. Adding to this is the spectrum of risks you are exposed to in the absence of an all-rounded motor insurance cover.

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? premiums

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?  - Car insurance

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?

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?

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.

Factors that affect your motor Insurance Premium

Waiting in long queues in sweltering heat while struggling to hold sheaves of paper or sitting on your porch with lemonade in hand – we know which one sounds appealing! To put it succinctly, the world has gone digital and your motor insurance needs should be no different. Now you can secure your vehicle from the comfortable confines of your home in a matter of minutes. Want to know how? Follow these 4 simple steps to ensure security for your car or two wheeler:

Enter your registration number

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 a few details of the car such as make,
model, variant, registration year, and city)

 

Step 3- Previous car insurance policy details

STEP 3

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

Step 4- Get you car insurace premium

STEP 4

Get your vehicle insurance quote instantly!

Cashless garage network
8000+** Network Garages
Across India

Awards & Recognition

Last updated: 2021-05-04

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