Comprehensive Policy

HDFC ERGO Motor Insurance

Claim settlement ratio 100%

NCB* starts at 20%, up to 50%

Network garage# 6700+

24*7 Road Side Assistance Yes

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Overview of HDFC ERGO private car/bike comprehensive policy

Having a third-party vehicle insurance is obligatory by law. However, buying comprehensive four- or two-wheeler insurance is an utmost priority for every vehicle owner. When you buy a car or a bike with your hard-earned money, it becomes your prized possession. And if due to any untoward situation, the vehicle gets damaged or stolen etc., it pains you beyond imagination. Hence, it is better to stay prepared with a comprehensive vehicle insurance plan to take care of your worries related to any damages to your vehicle.

USP features of HDFC ERGO private car/bike comprehensive policy

  • The best feature of the HDFC ERGO comprehensive car insurance plan is its 100% claim settlement ratio
  • The plan allows the insured to go cashless in terms of your vehicle repairs by availing cashless garage facility in 6700+ garages
  • This comprehensive plan allows the insured to go ahead with unlimited claims in a year
  • Another good feature of the HDFC ERGO vehicle insurance plan is that it allows overnight vehicle repairs
  • You can get your vehicle picked at night and delivered in the morning under the overnight repair facility

What’s not covered under HDFC ERGO private car/bike comprehensive policy

  • The plan doesn’t cover depreciation in the value of the vehicle over time
  • It excludes any kind of electrical and mechanical breakdown under your vehicle insurance
  • If you are driving without a valid licence or under the influence of alcohol etc., while damaging the vehicle, the insurance doesn’t cover it
  • It also excludes any normal wear and tear or maintenance required by regular usage of the vehicle
Frequently asked questions

NCB remains valid till 90 days of expiry date of the previous plan. So, you can renew within that period else it will become 0% and you will not get any benefit.

Two-wheeler insurance policies consist of 2 types – comprehensive plans and third-party liability plans.

Long-term policies available are:

  • Liability only policy for 3 years
  • Package policy for 3 years
  • Bundled policy with 3 years liability cover and 1 year cover for own damage

Yes, the third-party motor vehicle policy is mandatory. 

If you buy your vehicle insurance online, you would require no paperwork and physical documentation. Also, you would get your policy instantly.

NCB* - The insured is entitled for a No Claim Bonus (NCB) of 20% - 50% on Own Damage, if no claim is made or is pending during the preceding year(s)
Network garage# - HDFC ERGO offers hassle free claim settlement in 6700+ network garages pan India for cars and 2000+ cashless garages for bikes.

(For detailed information, please refer to Policy Wording)