Wellness Corner NEW

Vehicle Insurance that helps steer towards the path of safety

UIN: Motor Insurance- HDE MO P14 40 V02 14 15.

Premium starts

at ₹2072*

6700+ Cashless

Network Garages^**

Overnight Car

Repair Services¯

4.4

Customer Ratings

Home / Motor Insurance / Vehicle Insurance

Go the extra mile to protect

your automotive assets with vehicle insurance

Your vehicle is your prized asset; we understand. It is an investment that you have made by saving your hard-earned money. You may even go to great lengths to protect it from the unpredictability of the road. But there are some responsibilities you need to fulfil – the first responsibility being insuring your vehicle.

So, no matter what your ride may be, the vehicle insurance from HDFC ERGO covers it all. From cars, bus, trucks, bikes or any other vehicle running on the road, all are covered against own damages arising out of accidents, thefts, natural disasters, as well as the damages to a third party person/property.

Thus, before you gear up for your next ride, secure your vehicle with HDFC ERGO’s vehicle insurance policy and ensure peace of mind for yourself, all at an affordable price!

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

Upto 70% Off^ on Premium

Enjoy the joy of getting discounts on all your purchases, even vehicle insurance. We promise it is not a deal you want to miss!

Network of 6700+ Cashless Garages^**

With an extensive network of 6700+ cashless garages, you can find us at every milestone, no matter where the roads take you!

Easy Process & Instant Policy Online

Why deal with intermediaries when you can talk to us directly! Now buy insurance for your vehicle, without the hustle or hassle!

24*7 Customer Support

Believe us when we say there is never a bad time to call us. Our assistance for you- anytime. anywhere!

Unlimited Claims

Wish you could make claims all year long for your beloved vehicle? Well, now you can with HDFC ERGO!

No Claim Bonus upto 50%

Now not claiming too can be beneficial for you. Get upto 50% of No Claim Bonus benefits on your premium.

Vehicle Insurance Policy inclusions and exclusions

What is covered?
What is not covered?

Accidents

We ensure to cover damages or losses incurred by your vehicle while you regain your calm!

Fire & Explosion

Your vehicle may reduce to ashes in an unexpected fire or explosion, but our policy will ensure your finances remain intact.

Theft

We work round-the-clock to ensure you sleep soundly. Our policy covers losses that you may incur should your vehicle be stolen.

Covered in Car insurance policy - Calamities

Natural Calamities

We don’t let unannounced natural calamities catch you on the wrong foot. Any damages or losses arising out of such incidents are covered.

Personal Accident

Your safety remains our topmost priority! Thus, we offer a compulsory personal accident cover to cover your treatment charges in case of an accident.

Third Party Liability

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

Depreciation

General wear and tear due to prolonged usage or depreciation in the value of your vehicle is uncovered

Electrical & Mechanical Breakdown

Any mechanical or electrical breakdown of your vehicle remains uncovered in the policy

Illegal Driving

Driving without a valid driving license or under the influence of alcohol or substances will not be covered.

There’s a smarter way of getting a vehicle insurance quote

STEP 1

Enter your registration number

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

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

STEP 4

Get your vehicle insurance quote instantly!

Now no long waits or hassling with intermediaries, just a few clicks to get your free vehicle insurance policy quote. That’s not all. You can personalize the quote to meet your requirement and pay as you go! Sounds good, doesn’t it?

Simplifying vehicle insurance claims for you

Once you purchase our vehicle insurance policy, leave your claim-related stress to us with these four quick, easy-to-follow steps

Step #1
Ditch piles of paperwork and long queues, and share your documents online to register your claims.
Step #2
Opt for a self-inspection or a digital inspection of your two-wheeler by a surveyor or workshop partner.
Step #3
Track your claim status through our smart AI-enabled claim tracker
Step #4
Relax while your claim is approved and settled with our extensive network garages!

Get added protection with our add-on covers for your vehicle

Zero Depreciation Cover

As your car depreciates due to gradual wear and tear, so does your claim payout! However, with our Zero Depreciation cover, you don't have to worry about losing your money since it protects your finances in such a scenario.

NCB protection (for cars)

Filing unavoidable claims making you worry about losing the NCB benefits? Well, this is where the No Claim Bonus Protection add-on comes in handy. This cover ensures that the NCB you’ve accumulated over the years remains untouched and is carried on to the next slab.

Emergency Assistance Cover

Your 3-am friend may or may not be there for you, but our Emergency Assistance add-on cover is just the friend you need. The cover offers various 24x7 services, including refuelling, tyre changes, towing assistance, among others

Return to Invoice (for cars)

It may sound too good to be true, but our Return to Invoice add-on cover ensures you recover your financial loss in case your vehicle is stolen or damaged beyond repair. This add-on covers the insured declared value (IDV) and the actual invoice value, including road tax and registration fee.

Engine and gearbox protection (for cars)

Your vehicle may be a piece of your heart, but you need to go the extra mile to protect its heart too! Secure your car's engine and gearbox with our Engine and Gearbox Protector add-on cover. This cover safeguards you against the financial burden occurring in case of damages to these vital car parts.

Downtime protection (for cars)

Worrying about commute expenses while your vehicle gets repaired in the garage? Fret not! Our Downtime Protection add-on cover offers you the flexibility of alternate transport or pre-decided daily financial assistance to meet your transportation cost.

Factors that affect your vehicle Insurance Premium

The premium you pay is beyond the policy you purchase. There are several factors that are considered before we work out a vehicle insurance quote for you. Let us take you through the top factors that impact your vehicle insurance premium:

How old is your vehicle?

Is your vehicle the latest in the market or an old model that you refuse to part ways with? The age of the vehicle is crucial in deciding the premium amount you pay. Wondering why? Let's say the older your vehicle, the more you need to shell out in terms of insurance premium.

Which vehicle do you drive?

Do you fancy a top-of-the-range luxury vehicle or prefer a mid-range segment ride? Still thinking about how your personal preference determines your premium? Each vehicle, depending upon its make and model, has varying premium costs.

What is your vehicle’s engine capacity and fuel type?

Choosing a vehicle with an engine capacity over 1500cc or low, or looking at petrol or diesel variant – these choices, such as engine capacity and fuel type, are important factors in deciding your vehicle insurance premium amount.

Where do you reside?

Is your residence a gated community with advanced security or a notorious area known for its crime rate? Well, your answer is the key to how much you will end up paying for your vehicle insurance.

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?