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HDFC Ergo Car Insurance Plans

HDFC ERGO General Insurance Company

HDFC ERGO General Insurance Company Limited (HDFC ERGO GIC Ltd.) has been formed by the combined undertaking between Housing Development Financial Corporation Limited (HDFC) of India and Ergo International AG based in Munich. The former had been holding 73.634% stake whereas the latter had been holding 25.84% stake till the shares altered in June 2016.

As a consequence of the shareholders’ agreement, ERGO’s stake in HDFC ERGO increased from 25.84% to 48.742% whereas that of HDFC came down from 73.634% to 50.732%.

HDFC was promoted in October 1977 as a public limited company that specialised in providing housing finance mainly to individual households and corporates for the procuring and erection of residential housing. HDFC is India’s premier retail housing finance company and is presently one of the largest originators of housing loans in the entire country.

At September 30, 2015, HDFC had total loans of up to Rs 2,671 billion. Since foundation, HDFC has financed 5.2 million housing units. Over the years, HDFC has emerged as a powerful fiscal corporation with life, banking, and general insurance, venture capital, asset management, and education finance facilities.

ERGO is one of the major insurance group based in Germany and Europe. Globally the Group is represented in more than 30 countries and concentrates primarily on Europe and Asia. ERGO offers an extensive spectrum of insurance, provision and services. The

Group recorded a premium income of 18 billion euros. ERGO is a part of Munich Re, which is one of the world’s leading reinsurers and risk carriers.

HDFC ERGO General Insurance Company Limited offers an encompassing range of general insurance product such as Motor, Travel, Home, Health, and Personal Accident in the trade space and customised products like Property, Liability and Marine insurance in the commercial space. The Company is growing by leaps and bounds across the country and is currently present in 108 branches spread across 89 cities.

HDFC ERGO Car Insurance

In the Auto Insurance in India, Private Car Insurance is the fastest growing sector as it is a must for all the new cars. The amount of premium varies on the basis of the cost and value of the car, the state where the car is registered and the year of manufacture.

The HDFC ERGO Car Insurance policy enables an individual to safeguard himself/herself against any loss or damage of his/her car in the circumstances like the uncertain risk of accident, theft or natural disasters. It also comprises of a third party liability, which covers claims by the third party when the insured car damages other’s property.

The HDFC ERGO Car Insurance is managed by a team of experienced and thorough professionals who have been catering to the needs and insurance requirements of the customers in any hour of emergency.

Features of HDFC ERGO Car Insurance Plan

  • Provides cashless claim service at over 3400+ authorised network garages located across India.
  • No claim bonus.
  • Special discounts for the members of the Automobile Association along with discounts based on age and profession.
  • Liabilities to the third party
  • The policy covers a wide range of reasons that lead to the damage or loss to the insured vehicles, such as, accidents, theft, fire damage, explosion, self-ignition, riots, other malicious mishaps and climatic conditions.
  • The owner or the driver of the vehicle will be entitled to mandatory Personal Accident Cover for up to Rs 2lakhs against Permanent Total Disability and Accidental Death.
  • The cover also extends to the named and anonymous passengers of the vehicle up to the vehicle’s seating capacity and a driver.
  • The responsible customer care team ensures round the clock support for all the queries of the customers.
  • The procedure for purchase is very simple and does not require any lengthy documentation. You can also purchase it online.

Inclusions under HDFC ERGO Car Insurance Policy

  • Damage to the Insured Vehicle: The insurance provides protection against damage due to mishaps like fire, explosion, lightning and natural calamities such as flood, earthquake, landslides, etc. Cover against harm caused by theft, house break-in, burglary, and other malicious acts. Protection against any harm caused while transportation by air, rail, road, inland waterways or lift.
  • Personal Accident Cover: The owner or the beneficiary of vehicle policy is eligible for claims if suffered death or injury due to unavoidable external circumstances while driving the car or while mounting or dismounting from the car.
  • Cover for Third Party physical injury: The policy also covers death or any physical injury caused to a third party by accident, either caused by or involving the insured vehicle.
  • Cover for Third Party Damage: The policy covers damage to property of the third party as per legal stipulations and policy limits.

Exclusions under HDFC ERGO Car Insurance Policy

Under a number of circumstances, the policyholder is not eligible for claims, and these include:

  • Damage caused by daily wear and tear and ageing of the vehicle.
  • Any loss or damage occurring beyond the geographical area of India.
  • Damage caused by a person without a valid driving license.
  • Damage caused due to driving the vehicle in an intoxicated or drunk state.
  • Damage caused due to the mechanical or electrical breakdown of the vehicle, depreciation or consequential loss.
  • Damage caused due to use of the vehicle not in accordance with the guidelines or instances of vehicle misuse.

Special Ad Ons and Discounts provided by HDFC ERGO Car Insurance

Purchasing a car is something very similar to achieving a milestone in an individual’s life. Thus, not only is the car a very important property for us, but also its regular use makes it a part of our own family. A little scratch on the car makes our heart break. We all want the car insurance that we are opting for to provide us with an encompassing cover which in turn gifts us mental peace.

HDFC ERGO car insurance along with the facilities mentioned above intend to provide its customers with a number of Special Ad on and Discounts.

The Special Ad on include

  1. On-site minor repairs of the insured vehicle
  2. Duplicate keys
  3. Locked or lost keys
  4. Battery jump start
  5. Tyre change
  6. Fuel delivery (up to 5litres)
  7. Emptying the fuel tank
  8. Towing

The Discounts that are given by the four-wheeler insurance include:

Age Discount: This particular discount is based on the age of the insured and is described in detail as follows.

  • If the age of the insured is between 35-45 years, the company offers 5% discount on Own Damage section of the policy.
  • If the age of the insured is between 46-60 years, the company offers 10% discount on Own Damage section of the policy.
  • A copy of the Pan Card must be submitted to avail this discount.
  • In the case of online HDFC ERGO policy, the age proof must be submitted at the time of the claim.

Occupation Discount: The discount corresponds to 5% off on Own Damage section of the policy and is based on the occupation of the insured. This particular discount applies to-

  • A practising Chartered Accountant
  • Employee in the defence and paramilitary wings of the Indian armed forces
  • A teacher in the government approved school or any other institution
  • Employee working in a State or Central Government concern
  • Medical practitioners who are recognised by any Government recognised Medical Council
  • In the case of online policy, a proof of occupation must be submitted at the time of claim.

Claim Process for HDFC ERGO Car Insurance Policy

The procedures to raise a claim on the HDFC ERGO car insurance policy are as follows:

  • In the case of accident or permanent loss due to theft, call HDFC ERGO’s toll-free number to register the claim.
  • Next, you will be provided with a unique claim number for future assistance.
  • In the case of an accident with a vehicle, make sure to make a note of the details of the third party. Also, in the case of third party property or physical damage, report the incident to the nearest police station and file a FIR.