HDFC ERGO Comprehensive Car Insurance

Key features

• ✓Comprehensive car insurance covering own damage and third-party liability
• ✓Cashless claim settlement at network garages across India
• ✓No Claim Bonus (NCB) discount up to 50% on renewal
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓Overnight Vehicle Repair Service for select repairs
• ✓Doorstep claim service availability
• ✓24x7 roadside assistance available as add-on
• ✓Multiple add-on covers including Zero Depreciation
• ✓Online instant policy issuance and renewal
• ✓Self-inspection via app for renewals

What’s included

• ✓Damage from accidents and collisions
• ✓Fire, explosion, self-ignition, lightning
• ✓Theft / burglary / housebreaking
• ✓Natural calamities (flood, earthquake, cyclone, storm)
• ✓Man-made calamities (riots, strikes, malicious acts, terrorism)
• ✓Damage during transit by rail, road, air, water
• ✓Third-party legal liability for bodily injury / death / property damage
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear and tear and general ageing of vehicle
• ✕Mechanical or electrical breakdown
• ✕Damage when driving under influence of alcohol or drugs
• ✕Damage when driving without a valid licence
• ✕Consequential losses (unless add-on opted)
• ✕Use of vehicle outside geographical limits
• ✕Damage due to war, nuclear perils, mutiny
• ✕Depreciation (unless Zero Dep add-on opted)

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (3-year long-term option for new cars)

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered