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HDFC ERGO Motor Insurance HDFC ERGO Motor Insurance

Stay secure on the road with HDFC ERGO Motor Insurance that covers your vehicle against damages, theft and third party liabilities and comes with personal accident cover as well. Avail cashless claim services at over 3400+ authorized garages across the country with our motor insurance policies. There are different plans which give you optimum coverage at the most competitive premiums.

You can instantly purchase a HDFC ERGO motor policy online, avail the benefit of calculating premium and choose the plan that would best suit your vehicle type.

HDFC ERGO majorly offers three types of Motor Insurance Plans: -
Private Car Insurance, Two Wheeler Insurance and Commercial Vehicle Insurance

Private Car Insurance

Private Car Insurance has to be one of the first things you buy after your car. A financial safeguard for a large variety of situations, car insurance becomes one of the most important purchases you’ll make. Whether it’s a natural disaster such as an earthquake or flood; or somebody damages or steals your car, HDFC ERGO Car Insurance will take care of it all. With compulsory factors such as third party liability, you can ensure that any damage done to another person’s property by your vehicle will be covered in a claim.

A car is an asset that everyone is proud to own, often it’s a large milestone in a lot of people’s lives. HDFC ERGO Car Insurance ensures that you and your vehicle stay safe and secure.

Key Highlights

Cashless claim service over 3400+ authorized network of garages across India

Avail a host of discounts – No claim bonus, Discount for Automobile Association Members, Discount based on age and profession

Comprehensive support through our dedicated customer support team

No lengthy procedures

Instant Online Policy

Features

A package Motor Insurance policy would cover the following:

Loss Or Damage To The Vehicle Insured


Loss or damage to your vehicle caused by any one of the following events

Accident by external means

Burglary, House Breaking Theft

Fire, Explosion, Self Ignition, Lightning

Terrorism, Riots, Strikes, Malicious Acts

Transit by road, rail, inland waterways, air or lift

Earthquake, Flood, Storm, Landslide or Rockslide

Liability to third parties

The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.

Personal Accident Cover

The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers upto the seating capacity of the vehicle and paid driver.

Sum Insured

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.

Premium

The premium for a package Private Car insurance policy would depend on:

Sum Insured / Insured’s Declared Value (IDV)

Type of vehicle

Age of the vehicle

Place of Registration

Fuel type (Petrol / Diesel / CNG / LPG)

Choose a variety of optional covers on payment of additional premium, as listed below:

Electrical / Non Electrical items can be insured separately

Personal Accident cover for owner driver

Personal Accident cover for Named / Unnamed Passengers

Personal Accident cover for paid driver / employee

Legal liability for paid driver in connection with the operation of the insured vehicle

Legal liability to employees in connection with the operation of the Insured vehicle

Ad on plans

When it comes to choosing your dream car, you have invested your precious time in analyzing every minute’s detail. Rev up with the confidence of having a comprehensive car insurance plan carefully designed to provide optimum coverage and no surprises! With HDFC ERGO’s Motor Insurance Add-on plan you can opt for new and enhanced coverage, in addition to your standard motor insurance policy for Motor Vehicles which:

Provides added security and complete peace of mind

Minimizes out-of-pocket expenses

Widens the existing scope of cover

Exclusion

General Ageing, wear and tear

Damage by a person driving without a valid driving license

Mechanical or Electrical breakdown, failure

Damage by a person driving under the influence of Liquor/Alcohol/Drugs

Depreciation, any consequential loss

Loss /Damage attributable to War /Mutiny /Nuclear risks

Damage to tyres and tubes 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

Loss /Damage, outside India

Two Wheeler Insurance HDFC Two Wheeler Insurance

When it comes to travelling quickly & economically around the city, a two wheeler vehicle is the best option for almost everyone. But, along with convenience, comes higher risks. No matter how safely you ride your bike, purchasing a two-wheeler insurance is not only mandatory by law, but also a peace of mind.

If you’re concerned about the time and effort required to purchase a two-wheeler insurance policy, you have to worry no more. Now, simply by two wheeler insurance from HDFC ERGO online and save your efforts.

Depending upon whether you are bike enthusiast for whom his two-wheeler means the world or someone who just needs to purchase vehicle insurance as it is a must by law, you may wish to go for one of the following products.

Two Wheeler Comprehensive Insurance

Go on a carefree ride with your loved ones with HDFC ERGO Two Wheeler Insurance which covers you against theft, damage, accident or third party liability. You also get advantage of our 24x7 claim assistance and easy claim settlement process. With HDFC ERGO, you can calculate insurance premium and buy a two wheeler insurance policy online, and choose from our optimized plans that are designed to give you comprehensive coverage in a cost effective way.

Key Highlights

Choose comprehensive packages as per your profile

Optimized two wheeler insurance plans at customized prices

Assured Services

Instant claims assistance and SMS updates on your claim status through our 24x7 call-centers.

Instant online policy services

Features

Loss or Damage

  • Loss or damage caused due to any one of the following events
  • Theft, burglary or house breaking
  • Accident caused by external factors
  • Terrorist activities, strikes, riots or a malicious act
  • Natural calamities such as earthquakes, floods, storms, landslides etc
  • Transit by road, air, inland waterways etc
  • Lightning, fire, explosions and self-ignorance

Third Part Liability

  • Two Wheeler Insurance by HDFC ERGO also covers legal liability that may arise due to an injury or death of a third party or damage to property of a third party in case of an accident involving your scooter/motorbike.

Personal Accident Cover for Owner/Driver

  • The Two Wheeler Insurance policy also offers a compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver.
Sum Insured

Under this Two Wheeler Insurance, the sum insured on your two wheeler would depend up on the manufacturer's listed selling price minus each year's depreciation or the IDV (Insured's declared Value). The IDV would account to the maximum amount payable in the event of a claim for theft or total loss of the two wheeler.

Premium

The premium of your Two Wheeler Insurance Policy will depend on the following:-

  • IDV or sum insured
  • Age of the vehicle
  • Vehicle type
  • Place of vehicle registration

A number of optional covers are also available on payment of an additional premium. They are:-

  • Personal Accident cover for owner/driver
  • Personal Accident cover for pillion passengers
Exclusion

Wear and tear and general aging of the two wheeler

Damage caused by a person without a valid driving license

Failure or the vehicle, or mechanical or electrical breakdown

Damage caused by a person who may be under the influence of alcohol or drugs

Periodic depreciation or any consequential loss

Loss/damage that may have caused due to war/nuclear risks/mutiny

Damage caused to tires and tubes unless the two wheeler is damaged at the same time. In such case the liability of the company is restricted to only 50 per cent of the cost incurred on replacement.

Any loss or damage caused outside the geographical boundaries of India

Two wheeler liability – Multiyear

Don’t get hassled when the traffic cop stops your bike next time! We are all aware that the third party liability only policy is a must to ply a vehicle on the road, but in the daily quest of our lives, we tend to forget the renewal of our two wheeler insurance. Now stop remembering the renewal date every year and get your vehicle insured for multiyear. With HDFC ERGO’s Two wheeler Liability – Multiyear insurance, get a cover for your two wheeler for upto three years as per your requirement. Multiyear insurance provides cover for personal accident and third party liability similar to a single year policy.

Key Highlights

Instant on-line policy issuance

Protection against annual premium increase of Third Party section

Stop worrying for annual renewals

Comprehensive support through our dedicated customer support team

Say No to lengthy procedure

Features

Liability to third parties:- The two wheeler insurance policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.

Personal Accident Cover For Owner-Driver:- The Two Wheeler Insurance policy also offers a compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver

Exclusion

Claim arising out of any contractual liability

Death arising out of and in the course of employment of a person in the employment of the insured or in the employment of any person who is indemnified under this policy or bodily injury sustained by such person arising out of and in the course of such employment.

Any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material

Commercial Vehicle Insurance HDFC Commercial Vehicle Insurance

To keep your business going, it is imperative to have the vehicles owned by you, insured. HDFC ERGO offers package commercial vehicle insurance policies which protect your business from a financial loss arising out of accidental loss or damage to your vehicle, your legal liability towards third parties for personal injury, death and property damage on account of any accident involving your vehicle.

HDFC ERGO offers vehicle insurance package policies for Commercial Vehicles across the various classes of vehicles like Goods Carrying Vehicles both Private and Public Carrier, Trailers, Passenger Carrying Vehicles, Miscellaneous and Special Types of vehicles – Mobile Rig, Shovels, Grabs, Tractor, Excavator etc.

Key Highlights

Superior service levels and Standardized processes

Cashless Claim Service over 1600+ authorized network of garages across India

Recognized as one of the fastest claims settling Insurance Companies among private insurers

Comprehensive support through our dedicated customer support team

Features

Loss or damage to the vehicle insured caused by any one of the following events:

Accident by external means

Burglary, House Breaking or Theft

Fire, Explosion, Self Ignition, Lightning

Terrorism, Riots, Strikes, Malicious Acts

Transit by road, rail, inland waterways, air or lift

Earthquake, Flood, Storm, Landslide or Rockslide

Liability To Third Parties
Covers the legal liability for Injury / Death and / or Property Damage caused to a third party in the event of an accident caused by or arising out of the use of the vehicle

Personal Accident Cover:
The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability.It also covers the paid driver.

Sum Insured

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.

Premium

The premium for a package Commercial Vehicle insurance policy would depend on:

Sum Insured / Insured’s Declared Value (IDV)

Type of vehicle

Age of the vehicle

Place of Registration

Fuel type (Petrol / Diesel / CNG / LPG)

Gross Vehicle Weight (GVW) / Licensed Carrying Capacity (LCC) as applicable.

Choose a variety of optional covers on payment of additional premium, as listed below:

Electrical / Non Electrical items can be insured separately

Personal Accident cover for owner driver

Personal Accident cover for Named / Unnamed Passengers

Personal Accident cover for paid driver / employee

Legal liability for paid driver in connection with the operation of the insured vehicle

Legal liability to Non fare paying passengers

Cover for lamps, tyres / tubes, mudguards, bonnet /side parts, bumpers, headlights and paintwork of damaged portion only

Use of commercial type vehicles for both commercial and private purposes

Exclusion

General ageing, wear and tear

Mechanical or Electrical breakdown, failure

Damage by a person driving under the influence of Liquor / Alcohol / Drugs

Depreciation, any consequential loss

Loss / Damage attributable to War / Mutiny / Nuclear risks

Damage to tyres and tubes 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

Loss / Damage outside India

Damage caused by overloading or strain of the Insured Vehicle

Damage to any bridge and / or via duct and / or to any road and/or anything beneath by vibration or by the weight of the insured vehicle and / or load carried by the insured vehicle.