HDFC ERGO own damage car insurance

HDFC ERGO Own Damage Car Insurance Overview

There are types of HDFC ERGO Own damage plans

HDFC ERGO Standalone Damage Cover-Private car

This plan offers coverage for the car of the policyholder only.

HDFC ERGO Claim Settlement Ratio

100%

HDFC ERGO

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. HDFC ERGO has a claim settlement ratio of 100%, as compared to the industry average of 94.67%.

HDFC ERGO Premium Calculator

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Add-ons Available Under HDFC ERGO Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. HDFC ERGO Car insurance plans offer the following types of add-ons with the comprehensive policy:

This helps in combating the depreciating value of the insured car. This add-on cover reduces the depreciating value of the car and other parts.

The no-claim bonus is kind of discount which the policyholder gets for a zero claim during a year. This bonus increases with every passing year with zero claims. This add on value protects in the times when one makes a claim during one of the years. This add-on helps in saving premiums and No Claim Bonus is retained even if the claim is made. The policyholder can make only three claims which are subjected to damages to the windshield, loss or damage to the parked vehicle by external factors, flood, earthquake, etc.

Cost of consumables cover protects the insured against expenses incurred due to loss of consumable items or accessories of the car in case of any mishap or accident. The list of consumable items includes washers, screws, nuts and bolts, lubricants, clips, grease, bearings, AC gas, engine oil, distilled water, filter oil, brake oil and fuel filter, etc. The claim for consumable items is accepted when the damage or loss is caused due to self-ignition, fire, explosion, flood, storm, earthquake, landslide, theft, burglary, riot, strikes, etc.

This cover helps in emergencies and events unexpected while travelling.These covers helps the policyholder for breakdowns,flat tyre,towing facilities to any nearest garage,fuel emergencies, etc.

The following services are covered under this add-on cover

Battery jump start
Duplicate key
On-site repair
Lost key replacement
Changing tyre
Delivering fuel
Towing vehicle, etc.

This cover supports the policyholder for the expenses of repairing the damage caused to the engine, engine parts, gearbox or any differential parts of the vehicle. Any damage which is caused by water ingression, leakage of oil is covered under this add-on cover. The advantage of this cover is that it allows the policyholder to travel without any worries of travelling from areas with waterlogging, flood-prone areas, storm, landslide, or any other peril that might damage the engine or gearbox.

This add-on helps in recovering the loss in case of car theft or complete damage.The cover helps in recovering the depreciated value of the insured vehicle i.e. IDV (insured declared value) under the standard policy. The policyholder gets the invoice value of the insured vehicle along with road tax, registration fees and insurance. This add-on cover claim is approved after the consideration of the following conditions.

The recovery of the vehicle within 90 days of being stolen
Until the final investigation report is issued by the police in case of the vehicle being stolen

This is one of the most amazing add-on covers which HDFC ERGO offers. Under this cover, the policyholder gets reimbursement of the daily expenses insured for travelling or use of transport while the insured vehicle is under repair at the workshop. The cover offers Rs 500/day for the maximum of 5 days for the partial loss of vehicle and 15 days for total loss or theft of the vehicle insured. This claim is allowed for three times during partial loss and just once for a complete loss. This cover saves money when spent on commute while the insured vehicle is under repair after the consideration of the condition that the damage is caused due to any factors mentioned under the own damage clause of the policy and the insured vehicle is kept under the workshop for more than 24 hours.

How To Raise A Claim Under HDFC ERGO Own Damage Car Insurance

Claiming process of HDFC is seamlessly easy and quick.The required steps to follow the claim process of HDFC ERGO car insurance plans is given below

HDFC ERGO car insurance accidental claim
- Contact HDFC ERGO at their toll-free number 022/0120-6234 623
- Fill the claim form and lodge the claim
- Submit a copy of the driving license,insurance policy document, and vehicle registration certificate
- Copy of the FIR, if required
- Original copy of the estimated bill
- Invoice receipt in case of use of cashless service
- Submit original bills, receipts of repair in case of reimbursement
HDFC ERGO car insurance theft claim
- Contact HDFC ERGO at their toll-free number 022/0120-6234 623
- Fill the claim form and lodge the claim
- Submit the original key of the vehicle,a copy of the insurance policy document and driving license
- Copy of the FIR
- Signed form 28,29,30 and 35
- No Trace Report and final confirmation by the police
HDFC ERGO car insurance third-party claim
- Contact HDFC ERGO at their toll-free number 022/0120-6234 623
- Fill the claim form and lodge the claim
- Copy of the police FIR
- Copy of the insurance policy document, driving license, and vehicle registration

Steps to claim HDFC ERGO car insurance plans

Contact HDFC ERGO at their toll-free number 022/0120-6234 623
Book an appointment with HDFC ERGO surveyor and take the insured vehicle to the authorized garage of HDFC ERGO for any repair or cashless service required
Fill the claim form and lodge the claim
In case of cash payments, submit the original receipts or repair for reimbursement and claim settlement

Alternatively, you can also avail claim settlements through Turtlemint: If you bought your HDFC ERGO Car insurance policy through Turtlemint, you can inform Turtlemint and the company would then help you in getting your claims settled. Turtlemint has a claim handling team which handle the claims of their customers.

You can get in touch with the company’s team of claim experts through their number 1800 266 0101 or post an email to the claim team at their ID claims@turtlemint.com. Once the team is informed of your bike insurance claim, they would take up the claim process on your behalf and coordinate with the insurance company to get the claims settled.