Renew in just 5 mins.
No Inspection. No Paper Work
* Subject To Underwriting
hdfc car insurance

Car Insurance Plans

Vehicle registration number is required. Invalid registration number.Sample: DL-01-KY-3053
Previous Insurer is required.
Previous Policy Number is required.
Old quotation number is required. Invalid quotation number.Sample: PIBLMTRPC000000000000000

HDFC Ergo Car Insurance

The joint venture between the primary insurance entity of Munich Re Group, ERGO International AG, and India’s premier Housing Finance Institution HDFC Ltd., resulted in HDFC ERGO General Insurance Company Ltd. Soon, the organization spread far and wide across India with over 200+ branches in 170+ cities and more than 7000 employees. They have a complete range of offerings in both the corporate and retail space that range from liability insurance to marine insurance to property insurance to travel insurance to health insurance to motor insurance and more.

Over the years other than the iAAA rating by ICRA, they garnered a plethora of awards like Best General Insurance Company in India 2014 by International Alternative Investment Review (IAIR), ICAI Awards for excellence in financial reporting 2015-16, Best Customer Experience Award of the Year (Financial Sector) by KamiKaze, and more. With so many products, excellent customer service, and affordable prices, their popularity is only on the rise.

HDFC Ergo Car Insurance Plans - Features & Benefits

When you secure your prized possession with HDFC Ergo car insurance policy you can enjoy a plethora of features and benefits like:

HDFC Ergo Benefits

  • Wide network of 8000+ cashless garages all over the country
  • Efficient and quick overnight repair services
  • No matter where you are, the 24×7 Roadside assistance is a phone call away
  • Premiums are easy on the pocket and offer well-rounded coverage
  • Top-notch customer service by experts
  • An easy and quick settlement process
  • Instant paperless renewal
  • Numerous special add-on covers
  • Wide range of insurance policies to suit your needs
  • Digitally enabled secure processes`

Coverage Offered By HDFC Ergo Car Insurance Plans

Don’t leave your precious four-wheeler vulnerable to risks. Get HDFC ERGO’s car insurance cover today and protect yourself and your vehicle from:


Drive worry-free as your motor insurance policy covers Damages that arise from accidents.

Fire and explosion

Ample coverage from damages due to an explosion or fire.


Wholesome coverage for losses incurred when your car is stolen.

Natural calamities

Natural calamities are out of your hand and when any of them hit like floods, earthquakes, landslides, etc. you know you’re covered.

Personal accident

Keeping your safety as a priority, HDFC Ergo offers compulsory personal accident cover that protects you from injuries because of an accident.

Third party liabilities

The third party insurance feature covers any damage or injuries to a third party property.

Add-on Coverages

Add-ons are the perfect companion to your basic HDFC ERGO car insurance plan. Select from a range of options like:

Zero Depreciation Cover

An add-on with a comprehensive policy that ensures you get the full amount you claim for without any deduction due to depreciation.

No Claims Bonus Protection

No matter how small a claim, it affects your NCB score. This add-on lets you continue enjoying those benefits for a longer period of time.

Emergency Assistance Cover

This add-on ensures that during emergencies like arranging for a mechanic, losing your key, tire change, refueling, towing, etc, you always have a helping hand with the HDFC ERGO team just a call away.

Return to Invoice Cover

At times when your vehicle is damaged beyond repair, stolen, or lost, you can recover the original invoice value of the vehicle including road tax and registration fees that you paid while purchasing the insurance policy.

Engine and Gearbox Protector

This cover safeguards your car from prospective damage.

Downtime Protection

This cover enables you to get a pre-decided daily amount that covers any inconveniences you face in the absence of your vehicle.

Documents Required To Apply For Car Insurance With HDFC ERGO

With a quick online process, you barely need any documents. Keep a few handy like:

  • Vehicle registration certificate
  • Vehicle details like model name, model number, registration number, etc.
  • Your bank details
  • Proof of identity and address (government-issued photo ID)

How To Apply For HDFC Ergo Car Insurance?

An effortless process and a few steps are all it takes to get your HDFC ERGO car insurance.

Apply Via Probus Website

Step 1

Log onto our website and click on car insurance.

Step 2

Enter a few basic details like your city, car make, model, variant, year of registration, previous insurer, and policy expiry.

Step 3

You will need to fill in a few more details for a precise quote like manufacture month & year, purchase date, customer type, license validity, etc.

Step 4

Compare and contrast a few plans and choose one that’s best suited for you.

Step 5

Make an online payment from several convenient methods.

Step 6

Within no time, you’ll have your policy in your inbox.

Apply On HDFC Ergo Official Website

Step 1

On the official website, click on ‘Get Quote’

Step 2

Enter a few preliminary details such as car registration number, car make, car model, car variant, years of registration, etc.

Step 3

Choose your cover

Step 4

Input a few details about your previous policy like expiration date, NCB, etc.

Step 5

Enter personal details like your name, mobile number, and email address

Step 6

You can find details of your quote on your screen.

Step 7

If it’s appealing, you can click on purchase and make the payment.

How to Renew Car Insurance With HDFC Ergo?

You can renew your policy and ensure continued protection with a few hassle-free steps.

Renewal Via The Probus Website

Step 1
Keep a track of the renewal date. You will receive an SMS reminder
Step 2

Select the insurer

Step 3

This will take you to the respective website. There you have to enter a few basic details like the existing policy number and registration number.

Step 4

Check the No Claim Bonus you’re eligible for

Step 5

Select the value of your vehicle and any add-ons, if you wish

Step 6

Review all the details and make changes if needed

Step 7

Make the online payment

Step 8

Within no time, you’ll have your policy in your inbox

Renewal Via HDFC Ergo Official Website

Step 1

Click on ‘Renew’

Step 2

Enter your policy number, mobile number, or email address.

Step 3

Make the payment, and you’re done!

It’s time to enjoy stress-free claims with HDFC Ergo. Here’s what you have to do:

I. Cashless Claim

Step 1 – Effortlessly, in a matter of minutes, register your claim online and easily share the needed documents

Step 2 – Inspection is of two kinds – self-inspection or digital inspection by a workshop partner or surveyor

Step 3 – Once you register your claim, you can keep track of it via the claim tracker

Step 4 – In no time will the claim be approved and settled with the network garage

II. Reimbursement

In the event you don’t visit a network garage, you have to make the payment and then submit all the needed documents for approval. After approval, the money will be reimbursed to you.

Documents You Need To File A Car Insurance Claim With HDFC ERGO

To file a claim, keep these documents handy:

  • Copy of FIR, if any
  • Copy of registration certificate
  • Identity proof and address proof
  • Valid driver’s license
  • Estimate of repair costs
  • Bills and invoices

Exclusions Under HDFC ERGO Car Insurance

While HDFC ERGO car insurance policies offer well-rounded coverage, there are a few exclusions like:

  • Illegal Driving – Driving under the influence of drugs or alcohol or without a driver’s license is not covered.
  • Electrical and Mechanical Breakdown – Any mechanical or electrical issues are out of the bandwidth of coverage.
  • Depreciation – There is no coverage for depreciation like wear and tear with respect to your vehicle.

Steps To Calculate Car Insurance Premium Online

There are various factors that affect the cost of insurance premium rates, like:

  • Age of the vehicle
  • Car make and model
  • Geographical location
  • Fuel type
  • Insured’s declared value

An insurance premium calculator will help you determine the actual premium you need to pay. On the HDFC Ergo website, you will find various calculators and tools to compute your premium. All you have to do is follow the steps below and the tool will display various recommended plans with different premiums. You can choose what suits you.

Calculator On HDFC Ergo Official Website

Step 1 – Enter your registration number

Step 2 – Select your policy and enter some basic details about your car like make, model, variant, etc.

Step 3 – Enter details about your previous policy and No Claim Bonus

Step 4 – Once you enter your contact details, your quote is ready!

Frequently Asked Questions

One of the primary benefits of HDFC ERGO car insurance is the almost instant paperless process which you can do online with just a few clicks. If you keep your documents handy, you’ll complete the process in no time. After you’re done, you can enjoy top-notch customer service and a host of features to enhance your cover and journey.

You can save on premium by comparing and contrasting different quotes and picking one that’s pocket-friendly. Alternatively, if you have an existing HDFC ERGO insurance policy, say for your home or medical, you can bundle your motor insurance with that. Sometimes, this method helps you save.

A Voluntary Deductible is an amount that the insured voluntarily pays out of their pocket. Say the total claim for your damaged vehicle is Rs. 15,000. You can agree to pay a certain amount, say Rs. 3,000 from your pocket and the insurer will pay the remainder Rs. 12,000. This is an excellent way to bring down the premium of your policy.


Car Insurers

Car Insurance by Models