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Calculatre HDFC ERGO Car Insurance Premium

Why HDFC Ergo Car Insurance?

HDFC Ergo Car Insurance Premium Calculator or Estimator - HDFC ERGO Car Insurance provided by HDFC ERGO General Insurance Company Ltd, which is a joint venture (JV) between a leading housing finance firm in India - HDFC Limited and ERGO International AG, vital part of Munich Re Group. HDFC Limited owns 74 per cent shares, while ERGO International AG owns 26 per cent shares in the company. A complete range of general insurance products are provided from Health, Mediclaim, Home, Motor, Personal Accident and Travel insurance. Further they offer a wide range of bespoke products such as Marine, Property, and Liability Insurance in Corporate Level. At HDFC Ergo, their car insurance policies and products are innovated in such a manner to fulfil their Endeavour to keep life as normal despite the shortcomings that come to you.

HDFC ERGO car insurance continuously tries to upgrade itself and cater to the needs of every individual in the fast moving world. They try doing the same by excellent customer support service that too automated. It is aiming to expand its network across the country and currently it has 109 branches 89 cities with over 1900 employees. It surely has a robust distribution network which includes brokers, retail, corporate agents, bancassurance and of course its own direct sales team. ICRA recognized the highest claim-paying ability of HDFC ERGO and assigned the company iAAA rating based on that. It has also been awarded the ISO certification for their claim services, policy issuance, customer servicing and seamless Information Security processes being followed at all their offices.

The HDFC car insurance company seeks to have a vision of becoming the most admired insurance firm in India, enabling its customers to progress, thereby responding to their needs preferences and necessities constantly. The set of values that they follow is SEED - Sensitivity - building the business on empathy and the effort to understand the needs of both internal and external customers, Excellence- strive to bring about more innovative products and set new benchmarks for themselves, Ethics- fulfil the commitments and maintain transparency, Dynamism - the "can-do "approach. Ethical approach and maintain high levels of integrity.

Feature	Specification
Third Party Coverage	Up to 7.5 Lakhs
Network Garages	6800+ Cashless Network Garages Across India
Claim Ratio	90.35% (For year 2014-2015)
Coverage Offered	In addition to the basic cover, the insurer also offers depreciation cover, road side assistance, emergency assistance add-ons, etc.

HDFC ERGO Car Insurance Plans

HDFC ERGO Car Insurance offers comprehensive insurance coverage and the full value for money. Apart from insurance coverage, it gives you the much-needed peace of mind. Following are the additional covers that you can opt for to enjoy the highest insurance benefits. The available additional covers are classified into 4 types as mentioned below.

HDFC ERGO Car Insurance Silver Policy

The Silver Plan add-on offers additional Zero Depreciation feature. It means you will get the full claim amount for own damage without any depreciation deductions. This add-on cover doesn’t cover tyres and batteries.

When you opt for this cover, the expenses from your own pocket are reduced. The features of this rider are mentioned below.

HDFC ERGO Car Insurance Gold Policy

The HDFC ERGO Gold policy covers loss of use or downtime protection and zero depreciation.

The features of this rider are mentioned below.

HDFC ERGO Car Insurance Platinum Policy

The HDFC ERGO Platinum policy offers no claim bonus protection, engine and gearbox protection, and zero depreciation. It enhances your insurance coverage and reduces your expenses.

The features of this rider are mentioned below.

HDFC ERGO Car Insurance Titanium Policy

The HDFC ERGO Titanium plan offers additional coverage for engine & gearbox coverage, consumables. It also provides zero depreciation cover and no-claim bonus protection.

The features of this rider are mentioned below.

Why Buy HDFC ERGO Car Insurance Plans?

Our investments have a lot of importance and especially when we purchase a vehicle. Motor Insurance Plans aim at giving our vehicle an extensive coverage against damage, losses, and third-party liability. And when it comes to motor insurance, it is difficult not to talk about HDFC ERGO Car Insurance. The car insurer ensures that a big hole is not burnt in our pockets in case our vehicle meets with any accident, gets stolen, and faces an accident on the road. The motor insurance plan offers easy issuance of policy online, 24x7 helpful and friendly customer support, access to cashless claims at 1600 plus authorized garages and a wide range of other benefits. The HDFC ERGO Car Insurance plan gives you the necessary coverage instantly. This motor insurance plan also gives you the leverage to calculate the car insurance premium online and allowing you to choose the best plan for yourself. No sooner is the four wheeled vehicle on the road than it becomes prone to any kind of damage. Hence a car insurance plan is but necessary to cover all the damages caused herewith.

Features and Benefits of HDFC ERGO Car Insurance:

This HDFC ERGO Car Insurance plan provides comprehensive support through customer care team.

• The HDFC Car Insurance plan can be bought online instantly
• Liability to 3rd Party - These insurance plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
• Personal Accident insurance cover for Driver or Owner - This HDFC ERGO Car Insurance plan provides compulsion Personal Accident insurance Cover of Rs.2 lacs covering Accidental Death and Permanent Disability.
• Loss or damage to the car caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, Transit by road, rail, air etc, earthquake, flood etc.
• The insurance coverage of the Vehicle in the HDFC ERGO Motor Insurance plan would depend on its insured declared value, which would be the maximum amount payable when a claim is made for Total Loss / Theft.
• The HDFC Car Insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle type, Vehicle’s age, Place of Registration, and Fuel Type. This plan also allows one to enjoy a lot of other benefits by paying some additional premium amount - Personal Accident Insurance cover for the owner or driver legal liability for paid driver in connection with the operation of the vehicle, etc.
• Add on plans for enhancing car insurance coverage - A comprehensive HDFC ERGO motor insurance plan aimed at optimizing insurance coverage. With add-on plan feature it provides added security, minimizes expenses, the scope of car insurance coverage has widened.

Optional Coverage in HDFC ERGO Car insurance Policy

HDFC ERGO Motor insurance Company offers a wide range of optional covers to provide comprehensive and iron-clad protection to all its policyholders.

Listed below are optional insurance covers provided by the HDFC ERGO Motor Insurance Company:

• Named/Unnamed Personal Accident Cover: The car insurance policy provides personal accident cover rto the person named in the policy, from the commencement of the car insurance policy. The co-passengers or paid drivers mentioned in the policy are also covered by the policy. In addition, this car insurance policy also provides coverage to the unnamed individual apart from the named individual in the policy.
• Electrical/ Non-Electrical Accessories Cover: This optional car insurance cover provides comprehensive coverage for the accessories including but not limited to fog lights, music system, etc. of the covered car. On the other hand, non-electrical accessories cover provides coverage against damages to fittings such as alloy wheels, seat covers, etc.
• CNG Kit Cover: Those purchasing HDFC ERGO car insurance can opt for this optional car insurance cover at the time of the purchase of the car insurance. Policyholders are compulsorily required to declare the installation of CNG kit in the vehicle at the time of purchasing the policy.

Add On Covers in HDFC ERGO Car Insurance Policy

HDFC ERGO insurance offers a wide range of add-on covers to make it easy for its policyholders to ensure extra protection both for them and their vehicles.

Here’s a list of just some of the many add-on covers offered by HDFC ERGO Car Insurance:

• Zero Depreciation Cover - Thisadd-on cover makes it easy for policyholders to access the full claim fund without having to worry about the depreciation value of their car. Depreciation is the decrease in the total value of the car because of age and the normal wearing away that occurs to the car, over the years of usage.
• Down Time Protection - This is anamazingadd-on cover that offers you coverage against your expenses incurred in traveling or commuting, if your car is in the garage for a long period of time or in case you have lost the car and are waiting for a replacement.

There are some limitations that apply to this add-on cover. These limitations are as follows:

• An amount equal to Rs.500 each day is allowed as a daily allowance for private cars.
• Coverage is allowed only for 5 days in case of partial loss and 15 days for theft or total loss claims.
• Coverage is allowed a max of 3 times for partial loss and 1 time for total loss or theft.
• Engine and Gearbox - This add on car insurance cover helps you protect against any damages to your engine and gear box of your covered car. The add-on covers a wide number of gearbox and engine issues arising due to waterlogging, oil leakages and accidental damages.
• NCB Protection - For starters,NCB stands for No Claims Bonus. This is a bonus given by the insurer each claim free year. NCB protection add on cover ensures that your NCB bonus doesn’t get lost when you need to make a claim. You can avail a maximum of up to 3 claims per policy with this add-on cover.
• Consumable Expense Cover - This add-on cover car covers you against any expenses that may arise due to the purchase or acquisition of consumable products that you may require in case of damage made to your car.

HDFC ERGO Car Insurance - Emergency Assistance

HDFC ERGOCar Insurance Company provides its policy holders with amazing emergency assistance add-on cover plan to help protect them in the event of any emergencies. This add-on cover ensures iron-clad financial protection and decreases financial liabilities for the policy holders in the event of accidents or total loss of the vehicles.

This add-on cover Car Insurance plan helps policyholders provides:

• On-Site Repair Assistance - The add-on cover provides easy access to onsite minor repairs relating to electrical or mechanical breakdowns to the insured vehicle. This facility comes in handy in the event of a breakdown that renders the vehicle immobile.
• Duplicate Keys Assistance - The add-on cover plan also ensures that a new key set for the insured car is delivered to the policy holder, in case the keys are lost.
• Lost or Locked Keys Assistance - The add-on cover car insurance plan also ensures help to the policyholders in the event of lost or locked keys. In the event of keys getting lost, the insured vehicle is towed to a safe location nearby and taken care of till the time policy holder arranges new key set.
• Battery Jump Start Assistance - The add-on cover plan also helps insurance holders in the event of battery in the insured vehicle gets dead or malfunctions. In such situations, the company arranges for dead or misfunctioning battery jump start services.
• Flat Tyre Assistance - The add-on cover also helps in the event of the insured vehicle enduring a flat tyre. Under this add-on cover plan, the policy holders can get their flat tyres replaced with a spare tyre as provided by them. In the situation where the tyre is not in the condition of being replaced, the insured vehicle is towed to nearest garage or tyre repair store or the policy holder is transferred between the nearest tyre repair shop and the insured vehicle.
• Fuel Delivery - This add-on cover also provides the insurance holders with the access to up to 5 litters of fuel if their insured car runs out of fuel. However, the fuel cost is to bore by the policy holder.
• Fuel Tank Assistance - In the event of thefuel tank getting filled with low-quality or wrong fuel, this add-on cover provides company technicians to help policy holders empty the fuel tank and assist them with any related issues.
• Towing Assistance - In case there is a breakdown or an accident that renders the insured vehicle immobile, this add-on cover plan provides assistance to tow the vehicle to the nearest network garage or non-network garage approved by the company.

Exclusions under HDFC ERGO Car Insurance Policy:

• Damage by a person without a driving license.
• Damage by a person under the influence of Alcohol or drugs.
• Loss/damage outside India.
• Depreciation
• Damage to tubes and tyres unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.

Private Car Insurance by HDFC ERGO Car Insurance:

The Private Car Insurance plan selection has to be one of the first things you buy for your car. A financial safeguard such as car insurance becomes one of the most important purchases that one has to make. No matter if it is a natural or manmade disaster, such as a flood, earthquake, loss, or damage, car Insurance plans are to take care. Few highlights of the plans are approval within 24 hours of the vehicle in reaching the garage, cashless services at authorized garages, toll-free helpline, hassle free settlement, value-added services like towing, ambulance etc.

Features and Benefits of HDFC ERGO Private Car Insurance Plan:

• This HDFC ERGO Car Insurance plan provides comprehensive support through the customer care team.
• The car policy can be bought online instantly.
• Liability to 3rd Party - These car insurance plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
• Personal Accident insurance cover for Driver or Owner - This car insurance plan provides a compulsion Personal Accident Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.
• Damage to or loss of the vehicle caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, road, rail or air transit, etc., earthquake, flood etc.
• The insurance coverage of the Vehicle in this HDFC Car Insurance plan would depend on its insured declared value, which would be the maximum amount payable for a claim for Total Loss / Theft.
• The car insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle’s type, Vehicle’s age, Registration place, and type of fuel. This plan also allows one to enjoy a host of other awesome benefits by paying some additional premium amount - Personal Accident cover for the owner or driver legal liability for paid driver in connection with the operation of the insured vehicle, etc.
• Add on plans for enhancing insurance coverage - a comprehensive motor insurance plan aimed at optimizing coverage. With add-on plan feature it provides added security, minimizes expenses, the scope of coverage has widened.
• Claim Bonus - an incentive provided in this car insurance plan that if no claim is made then you get discounts.

This table will allow you give you a better understanding of Incentive and discounts.

Exclusions Under Private Car Insurance Plan By HDFC ERGO Motor Insurance:

• Damage by a person without a driving license.
• Damage by a person under the influence of Alcohol or drugs.
• Loss/damage outside India.
• Depreciation - aging / wear and tear
• Damage to tubes & tyres unless the vehicle is damaged in the accident.

Commercial Vehicles Insurance by HDFC Car Insurance:

Since commercial vehicles are meant for the business purpose, hence it’s extremely important that the business goes on efficiently. HDFC ERGO insurance offers plans for commercial vehicles which protect the vehicles and protecting the business from financial loss. If there is any damage caused to the vehicle, then there is accidental loss, the financial loss, legal liability, and property damage. All of this is protected by these insurance plans. This HDFC ERGO Car Insurance plan offered by them is a package of plans for various classes like Goods Carrying Vehicles (both Public and Private Carriers), Carrying vehicles, Trailers, Passenger vehicles, and some specific vehicles like a Tractor, Mobile Rig, Excavator, Shovel etc.

Few highlights of the car insurance plans are approval within 24 hours of the vehicle in reaching the garage, cashless services at authorized garages, toll-free helpline, hassle free settlement, value-added services like towing, ambulance etc.

Features and Benefits under Commercial Vehicles Insurance Plan:

• Loss or damage to the vehicle caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, Transit by road, rail, air etc, earthquake, flood etc.
• The insurance coverage of the Vehicle under this HDFC ERGO Car Insurance plan would depend on the IDV or Insured Declared Value. The IDV would be the maximum amount payable for Total Loss / Theft claim.
  You May also like to Read about: Insured Declared Value(IDV)
• Personal Accident cover for Driver or Owner - This plan provides a compulsion Personal Accident Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.
• The car insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle’s type, Vehicle’s age, Registration place, and type of fuel. This plan also allows one to enjoy a lot of other benefits by paying some additional premium amount - Personal Accident cover for the owner or driver legal liability for paid driver in connection with the operation of the insured vehicle, etc.
• Simple documentation for claims settlement - this car insurance plan ensures that the claim process is very simple and hassle free - Duly filled and signed claim form, driving license, registration book copy, copy of insurance certificate, load challan, route permit, FIR etc.
• This HDFC ERGO Car Insurance plan provides you with the facility of Spot Survey - it can be carried within 6 hours and waived after 6 hours.
• State of the art of technology for claims and processing and standardized quality service across all branches.

Exclusions under Commercial Vehicles Insurance Policy:

• Damage by a person without a driving license.
• Damage by a person due to drunken driving or driving under the influence of drugs.
• Loss/damage outside India.
• Depreciation - aging / wear and tear
• Damage to tubes & tyres unless the vehicle is damaged in the accident.

Liability only HDFC Ergo Car Insurance:

Liability Insurance is one of the compulsory requirements for purchasing a vehicle. It is a legal compulsion, motor insurance plans enable you to cover the liability that arises out of third party property damage, death or injury to a third party.

Features of HDFC Ergo Car Insurance:

• This HDFC ERGO Car Insurance plan provides comprehensive support through customer care team.
• This car insurance plan can be bought online instantly
• No lengthy procedure
• Liability to 3rd Party - These car plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
• Personal Accident insurance cover for Driver or Owner - This plan provides a compulsion Personal Accident insurance Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.

Exclusions of HDFC Ergo Car Insurance:

• Claim arising out of any contractual liability.
• Any liability caused either directly or indirectly or contributed to by or arising from nuclear weapons material

HDFC Ergo Car Insurance: Inclusions

Inclusions mean the coverage offered by an insurance provider. The inclusions of HDFC Car Insurance are mentioned below.

• Damage Protection against Natural Disasters-HDFC ERGO Motor Insurance provides financial safety in case of damages due to the explosion, fire, lightning, and natural disasters such as earthquake, landslide, flood, etc.
• Damage Protection against Man-Made Perils-HDFC ERGO Car Insurance provides insurance coverage against damages caused due to burglary, theft, house break-in, malicious acts, terrorism etc.
• Damage Protection in Transit- HDFC ERGO Motor Insurance offers insurance coverage against any damages caused in transit by road, air, rail, inland waterways and/or lift.

HDFC Ergo Car Insurance: Exclusions

Exclusions mean the exceptions where insurance coverage isn’t provided by an insurance provider. The exclusions of HDFC Car Insurance are mentioned below.

• Wear and Tear Damage- Any damage caused due to regular wear and tear or aging of the insured car isn’t covered.
• Influence of intoxicants- Any damage caused while individual driving the insured car is under the influence of drugs or alcohol is excluded from the coverage.
• Without a Valid Driving License- If the car is driven by an individual without a valid driving license, any damage so caused won’t be covered.
• Damage Caused Abroad- Any damage caused to the insured car outside the geographical boundaries of India isn’t covered.

Damage Caused by Depreciation- Any mechanical or electrical breakdown of the insured car or damage caused due to depreciation isn’t covered. 

HDFC ERGO Car Insurance - Discounts

HDFC ERGO Car Insurance Company not only offers a host of awesome services and features, but it also provides special discounts to reward its policyholders. Here are just some of the many types of discounts offered by HDFC ERGO Motor Insurance Company.

• Age Specific Discount - HDFC ERGO Motor Insurance Company provides additional discounts to policyholders depending on their age. These discounts are worded as listed below:

• 5% discount is offered to the insurer, on Own Damage Section of the policy, if their age is between 35- 45 years.
• 10% discount is offered to the policyholders between the age of 46 and 60 years, on the Own Damage Section of the policy.

Points to Remember:

• Policyholders must submit a copy of your valid pan card to avail the age discount offered by HDFC ERGO Car Insurance Company.
• Policyholders are required to submit a valid proof of age at the time of claim to avail the age related discounts offered by the insurer.

• Occupation Specific Discount - HDFC ERGO Car Insurance Company offers a 5% discount to the policyholders, on the Own Damage Section of the policy, depending upon their occupation. People who may avail this discount are:
• A practicing Chartered Accountant.
• Defence, paramilitary and Indian armed forces personnel.
• Teachers in Government approved school (or other educational institutions)
• State or Central Government employees.
• Doctors recognized by Medical Council.

Points to Remember:

• Policy holders need to submit a proof of their occupation at the time of claim.
1. No Claim Bonus Discount - Policyholders can avail discounts on Own Damage Section of the policy, for each claim-free year.
2. Other Discounts:
• Policyholders can also earn huge discounts by installing anti-theft devices approved by ARAI in their insured car.
• Policyholders, who are members of AAI (Automobile Association of India), also get to earn huge discounts on their HDFC ERGO car insurance premiums.