
Comprehensive Policy HDFC Ergo Motor Insurance
Purchasing the vehicle of your dreams from your hard-earned money makes it a prized possession that you would go to great lengths to protect. While ensuring road safety is important, there are other responsibilities towards the vehicle that you must fulfil, and they start with getting your vehicle insured. Enters HDFC ERGO Motor Insurance Comprehensive Policy.
Regardless of the vehicle you drive, HDFC ERGO Insurance Company has a policy to meet all your needs. The comprehensive motor insurance plan is designed to ensure legal compliance, provide financial protection, and offer additional benefits. Let’s explore the policy in detail.
Highlights HDFC ERGO Comprehensive Policy
Wish to Enhance Your Coverage? Take a Look at the Riders Available
Riders |
Details |
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Zero Depreciation Cover |
Through this rider, you can be assured of receiving the actual value of your vehicle, despite depreciation due to age, wear and tear, etc.
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NCB Protection |
Through this rider, you can be assured that your benefits under NCB accumulated through the years remain untouched and are carried forward in the next policy year. |
Emergency Assistance Cover |
This rider works like your 3 AM friend who steps in to help in times of need. You receive coverage for various services and 24/7 access to services like towing, fueling, repairs, etc.
|
Return to Invoice |
Under this rider, if your vehicle is damaged beyond repair or stolen, the insurance company promises to pay you the difference between your vehicle's Insured Declared Value (IDV) and invoice value.
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Downtime Protection |
Under this rider, the insurance company provides you with a daily allowance (for commute expenses) for every day your vehicle is at an authorised repair garage.
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Engine and Gearbox Protection |
Through this rider, you can get coverage for repairing damages in your vehicle’s engine and gearbox.
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HDFC ERGO Motor Insurance Comprehensive Policy: Highlights
Particulars |
Details |
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Policy Name |
HDFC ERGO Motor Insurance Comprehensive Policy
|
Insurance Company |
HDFC ERGO General Insurance Company Ltd
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Benefits |
Multiple Benefits: |
Add-Ons |
Available Options: |
Network Garages |
8700+
|
Claim Settlement Ratio |
99.16% for FY 2023-2024
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Features and Benefits of HDFC ERGO Motor Insurance Comprehensive Policy
Securing your vehicle with the HDFC Ergo Motor Insurance Comprehensive Policy comes with multiple benefits that can save you from getting into legal or financial troubles that might arise due to an unforeseen incident on the road. Let’s take a look at the features and benefits of the policy to understand how it offers security for your vehicle:
HDFC ERGO Motor Insurance Comprehensive Policy: What is Covered?
Here are the services and coverage that you get to enjoy under the HDFC ERGO Motor Insurance Comprehensive Policy:
HDFC ERGO Motor Insurance Comprehensive Policy: What is Not Covered?
Here’s what’s not covered under the HDFC ERGO Motor Insurance Comprehensive Policy that you must be mindful of:
Pros & Cons of HDFC ERGO Comprehensive Policy
Our verdict
To get your vehicle insured today, visit the Paybima portal directly.

HDFC ERGO
Insurance Company
A joint venture between HDFC Limited and ERGO International AG, HDFC ERGO is a reputed general insurance company in its sector. It offers a range of general insurance solutions for its private and commercial customers. You can buy health insurance, travel insurance, home insurance, motor insurance as well as commercial insurance plans from HDFC ERGO’s platform. Car insurance is one such product that HDFC ERGO offers car owners in line with the requirements of the Motor Vehicles Act, 1988. The car insurance plans of the company are varied, comprehensive, and are offered at competitive premium rates.

Claims Experience
What % of the claims received were paid?
Benefits of HDFC ERGO Comprehensive Policy
Key Benefits | |
Own Damage Cover |
Available |
Convenience |
Easy repairs |
Other Benefits | |
Network Garage |
Wide network available |
Claim Settlement |
Quick and hassle-free |
Add-on cover |
Add-on benefits available |
NCB benefits |
Available |

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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.
To raise a claim under the policy, please inform the insurance company of the incident as soon as possible through the online portal. Once you have raised your claim, you can perform a self-inspection or a digital inspection for quick approval. You can also check the status of your claim through the insurance company’s AI-enabled claim tracker.
The premium you pay under the policy varies depending on factors such as the age of your vehicle, the type of vehicle you drive, the vehicle's engine capacity and fuel type, and the city where you drive.
Under the policy, you are allowed to make unlimited claims throughout the policy year for your two-wheeler and car-related damages.
Yes, motor insurance is mandatory under the Motor Vehicles Act 1988. Remember that the Act mandates that you have at least third-party liability insurance. However, if you opt for a comprehensive insurance policy, you get to enjoy enhanced protection.