Can You Buy Car Insurance With an Expired Driver's License
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Network Garages**
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Repair Services¯
What is Car Insurance?
Car insurance acts as a protection shield against any damages to your beloved car. These damages can be caused due to natural calamities such as floods, third-party liabilities, and theft, and other man-made calamities. In this way your car is secured financially at the time of any unfortunate event; as they say, accidents come unannounced. Car insurance covers you from such unfortunate events. As per the Indian Motor Vehicle Act of 1988, if you own a car in India, you must have Third-party insurance before hitting your car on the road. Comprehensive car insurance on the other hand not only covers third-party but gives a complete 360⁰ protection to you and your car. Hence, you must buy, renew your car insurance policy time-to-time for a worry-free drive.
Secure your vehicle with our reliable car insurance policy with a premium starting at just Rs 2072*. Also, get the advantage of over 7600+ Cashless Garages Network and overnight repair services.
Car Insurance Coverage
- What is covered?
- What is not covered?
Accidents
An accident can occur anytime and anywhere. Don't worry; we cover any damages caused to your car due to an accident.
Fire & Explosion
If your car catches fire or faces an explosion, be rest assured we cover the same for you.
Theft
Your car can be old or new, but your car is never safe from theft. We provide you with peace of mind in case of theft.
Natural Disaster
Your car can't be kept safe in case of any natural calamities but fear not; we are there for you.
Personal Accident
Your safety is our priority; we cover your treatment charges in case of injuries due to a car accident.
Third-Party Liability
We cover any damages or injuries sustained by a third party or person. Therefore, you need not worry while driving.
Best Car Insurance Plans That Suit Your Needs
A comprehensive car insurance policy covers you against damages of both your car and third party liabilities. In addition, it covers you against accidents, theft, fire or any natural calamities. Moreover, with HDFC ERGO's Comprehensive Car Insurance, you can customise your policy further with a range of add-on covers such a zero depreciation cover, return to invoice and many others.
X
Suitable for car lovers seeking all rounded protection, this plan covers:
Accident
Theft
Third-party is mandatory car insurance as per the Motor Vehicle Act of 1988 if driving a vehicle on Indian streets. This insurance covers you from the legal liabilities caused by damaging the vehicle or property of the third person.
X
Suitable for those who use the car infrequently, this plan covers:
Third-party property damage
Injury to a third-party person
Any damages and losses caused due to accidents and collisions, natural calamities, fire, and theft to your car are covered under standalone own damage cover. As the name suggests, it is a shield against financial losses arising due to damage to your car. You need to have an active third party insurance policy to purchase this policy.
X
Suitable for those who already have a valid third party cover, this plan covers:
Accident
Fire
Theft
This cover offers one-year coverage against damage to your car along with a three year cover against damages to a third party person/ property. This cover is ideal for new car buyers.
X
Suitable for those who have purchased a brand new car, this plan covers:
Accident
Theft
Compare and Select the Best Car Insurance Policy
 80% CUSTOMERS CHOOSE THIS | ||
|---|---|---|
| Covers under Car Insurance | Comprehensive Cover | Third Party Liability Only Cover |
| Damage due to natural calamities – Earthquake, cyclone, floods etc. | | |
| Damage due to events like – Fire, theft, vandalism etc. | | |
| Choice of add-ons – Zero depreciation, NCB protect etc. | | |
| Customization of car value | | |
| Personal accident cover of Rs. 15 Lakhs | | |
| Damage to third party vehicle/ property | | |
| Injury to a third party person | | |
| No hefty fines levied if valid policy in place | | |
BUY NOW
Keep your wipers from freezing to your windshield or generally from dust and water by covering them with a couple of old socks.
Add-on Covers with HDFC Ergo Car Insurance
Select from the wide range of add-ons to boost your coverage
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands.
Made a claim , worried about your NCB discount? Don't worry; this add-on cover not only protects your No Claim Bonus earned so far but also takes it to the next NCB slab earning.
We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car.
Love your car dearly? Give your car this add on the cover and recover your invoice value back in case of theft or total damage to your car.
The engine is the heart of your car, and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.
Car in the garage? This cover will help bear the expenses you spend on cabs for your daily commute while your car is getting repaired.
What Makes HDFC ERGO's Car Insurance Stand Out?
Easy on your pocket
With multiple choice offerings, our premium starts at just ₹2072*, and we offer premiums that don't burn a hole in your wallet while offering maximum benefits. For example, choosing a comprehensive car insurance policy entitles you to savings of up to 70% and no-claim bonus benefits of up to 50%. And with our car insurance premium calculator calculating your car insurance premium amount is a breeze.
Cashless assistance
The hiccup in the journey? Now no more worrying about cash to get your car fixed while you are stranded in the middle of nowhere. With our 7600+ cashless garages, pan India help is never too far; our widespread network of cashless garages will be your friend in need. To add to this, our 24x7 roadside assistance ensures help is just a phone call away, and your car is taken care of anywhere anytime.
A Growing family of happy customers
With over #1.5Crore+ happy customers, we are proud to say that we've put smiles on a million faces and counting. The testimonials from our ever-growing family of customers are heartwarming. So toss your car insurance-related worries aside and join the happy customers club!
No more sleepless nights
Car needs repair but worried how you'd commute to the office next morning? HDFC ERGO's Overnight repair service is here to save the day! We take care of minor accidental damages or breakdowns while you catch up on your sleep and get your car back in shape by morning. If this doesn't spell convenience, what does?
Benefits of Buying Car Insurance Online
Instant quote online
You can quickly get your car insurance quote by simply entering your card details.
Seamless process
There's no hidden charges or fees. You can easily choose and customise your plan with a seamless process.
Less/No paperwork
No more burden of paperwork. All you have to do is fill and submit the online form and pay through our secured gateways.
Quick & Easy policy issuance
Once you fill the car detail, submit the form and pay the premium amount through the secured payment gateway You policy will be issued in no time.
Payment reminders
Get timely reminders ahead of your due date to avoid missing your premium payments and renewals.
Prompt customer services
Prompt telephonic or chat service is available to help you out at the time of purchase.
Benefits of Renewing a Car Insurance Online
1
Avail best deals /discounts
Easily avail great deals and discounts at the time of renewal. You can also compare the best suitable plan include and excluding add-ons, as per your requirement.
No need to stand in a long queue or visit the agent. Simply log on to the insurance provider's website, fill in the details and make the payment. Your policy will be issued in no time.
3
Reduced / Zero paperwork
A hassle-free process with zero documentation. All you need is to log into the insurance provider's website and complete the renewal journey.
4
Switch the insurance provider
If you wish to opt for a policy that offers you a better/great deal, you can switch to a new insurance provider of your choice.
Things to Keep in Mind Before Buying a Car Insurance Policy Online
Here are a few points that will help you select the right car insurance online
Policy coverage
Thoroughly scrutinise the policy coverage inclusion and exclusion. Then, choose the plan/ policy that suits your requirement.
Claim settlement ratio
Claim settlement ratio is one of the essential factors that you must consider at the time of purchase, as this will help you understand the claim service of the insurance provider. A healthy CSR is one of the factors to spot the excellent service of the insurance provider.
Network cashless garages
Having a network garage nearby will be very helpful in times of emergency.
Add-on coverage
We all know how to add on coverage boosts our insurance policy with a small amount in the premium; you can secure your vehicle entirely and drive worry-free.
Policy coverage
Thoroughly scrutinise the policy coverage inclusion and exclusion. Then, choose the plan/ policy that suits your requirement.
Claim Settlement ratio
Claim settlement ratio is one of the essential factors that you must consider at the time of purchase, as this will help you understand the claim service of the insurance provider. A healthy CSR is one of the factors to spot the excellent service of the insurance provider.
Network Cashless Garages
Having a network garage nearby will be very helpful in times of emergency.
Add on Coverage
We all know how to add on coverage boosts our insurance policy with a small amount in the premium; you can secure your vehicle entirely and drive worry-free.
How to calculate Car Insurance Premium?
A premium calculator helps you to calculate car insurance premium of your desired car. All you need is to enter the details and submit them. Then, the calculator will provide you with the approximate premium payment option, which you can select as per your requirement.
One of the best ways to fix chipped paint on your car is
with nail polish.
Top 6 Factors That Affect Your Car Insurance Premium
As your car gets older, your premium amount increases because an older car is more prone to wear and tear. Opting for a Zero Depreciation cover with your insurance plan will help reduce your premium marginally.
2
IDV (Insured Declared
Value) of the vehicle
The current value per the market rate is your IDV, and the higher the IDV higher the premium. What can help is increasing the voluntary deductible amount or, in more straightforward language, increasing the amount you shell out in case of a claim. At the same time, the rest is taken care of by the insurer, which significantly reduces the premium amount.
3
Your geographical location
Where you reside and park, your car is also a factor that affects your car insurance premium. If you live in a region prone to vandalism or theft, your premium amount may be on the higher side to offset any potential losses.
Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc) will have higher premiums like luxury sedans and SUVs. In comparison, base car models with lower engine capacity (below 1500cc) will have lower premiums.
Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol. You can easily find out the premium amount for your car and its fuel type while buying car insurance online.
Another major factor affecting your car insurance premium is how safe your car is. Insurance premiums for cars with advanced safety features like airbags, ABS, collision warning systems, anti-theft alarms, and automatic braking make your car less susceptible to theft and accidents, reducing the premium amount.
How to Buy/Renew Car Insurance Online
To buy a new car insurance policy online
1. Visit your insurance provider's website fill in the details, including your car registration number, mobile number and email address.
2. Enter the policy details and the add-on to the cover you would like to opt for.
3. Complete the process by paying the premium amount via online payment.
A confirmation mail along with the policy will be mailed to you.
To renew existing car insurance policy online
1. Visit the insurance provider website and select renew the policy.
2. Enter the details, include/ exclude the add on covers and complete the journey by paying the premium online.
3. The renewed policy will be mailed to your registered email id.
Buy/Renew car insurance for an old car
Having car insurance always provides peace of mind, and hence regardless of the new/ old or second-hand car, one must continually invest in a proper car insurance plan.
According to the Indian Motor Vehicle Act of 1988. every vehicle owner, including the owner of a second-hand, ca r or old car, must obtain valid insurance to drive on the Indian road failure, which can lead to heavy penalty and suspension of Driver's license.
One can easily purchase a Comprehensive car insurance policy covering the vehicle from any natural or artificial disaster. It also protects you financially from third party liability in case of damage to other vehicles or property. It also consists of Personal Accident cover that compensates the insured with 15 lakhs in case of injuries caused in an accident.
Renew Long-Term Car Insurance
If you had purchased a car post 1 September 2018, you had to buy a mandatory three-year third-party policy. Your car insurance renewal is almost here. You can lead the same stress-free life by purchasing a car insurance cover. If you are already an HDFC ERGO customer, just enter your policy number and begin the renewal process. If you wish to renew your car insurance policy with us, click here and follow the steps for hassle-free renewal. You can safeguard your car within minutes with HDFC ERGO.
Why HDFC ERGO Car Insurance Should Be Your First Choice!
Upto 70% Off^ on premium
Maximize your savings with discounts that may sound unbelievable.
7600+ cashless garages**
No matter where you are our wide network of cashless garages are at your service.
Overnight repair service¯
It is just a matter of dusk to dawn and your car will be back in shape ready for use.
Premium starting at Just ₹2072*
Easy on your pocket with all rounded coverage! Need we say more?
24x7 Roadside assistance
Stranded in the middle of nowhere? Help is just a call away!
Quick & easy claim settlement process
Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!
Car Insurance FAQs
- Claim
- Policy
- Cover
- Renew
- General
Voluntary Deductible is a part of the claim that the insured party volunteers to pay from their own pocket, before raising the claim with the insurance provider. It is an excellent way to reduce your policy premium. For example, say your car is damaged and the total claim amount is Rs. 10,000. But you have agreed to shell out Rs. 2,000 from your own pocket as voluntary deductible. So, once you pay that, the balance amount of Rs. 8,000 will be paid by the insurer.
When a policyholder doesn't make any claims during the policy period, he/she is rewarded with a No Claim Bonus (NCB). Now, this discount can range from 20% upto 50%, depending upon your track record of not making a claim. While making a claim for massive damages serves the whole purpose of taking insurance, if you let go of small damages, you can avail a decent discount in the form of NCB. So, it's advisable to pay for minor repairs instead of making a claim and losing that NCB, which by the way, only increases with every passing year.
There are times when drivers wish to cancel a claim, mostly because they don't want to pay the deductible. So, insurance providers allow you to cancel a claim after you file it, and to do so, you just need to contact a representative.
That is unlikely. It is recommended that you inform the insurer at the earliest. The period of intimation may be sometimes as short as two days. After the specified time period lapses, the insurer reserves the right to cancel any claim application.
There is no limit to the number of claims that one can register during the policy period. However, the policyholder can claim until the consolidated claim amount reaches up to the Insured Declared Value (IDV) of the car. Also, claims have an impact on your premium at the time of renewal.
It is simple to renew your car insurance online. All you have to do is visit the website of the insurer, make a self-survey of your car, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
If you want to make any changes to your existing policy, it can be done through an endorsement. The modifications/changes are not made in the original policy but in the Endorsement certificate. These might include change in ownership, coverage, vehicle, etc. Endorsements are of 2 types - premium-bearing endorsement and non-premium bearing endorsement.
In premium-bearing endorsement, you have to pay an additional premium. For example, transfer of ownership, addition of LPG/ CNG kit, change of RTO location, etc. On the other hand, if you opt for non-premium bearing endorsement, no additional premium is charged. For example, change in contact details, correction in engine/ chassis number, addition of hypothecation, etc.
If you have witnessed a significant rise in the insurance premium during renewal, it might be because of loading. Simply put, it is the amount that is added to a policy to cover for losses which were higher than what the insurer was anticipating. This comes into the picture if the policyholder is prone to a certain type of risk or opts for claims quite often. Loading protects insurance companies against high-risk individuals.
Yes. The reward for not making a claim during the policy period can be easily transferred from one insurer to another, if the policyholder decides to buy insurance from another insurance company. Similarly, if the car owner changes his vehicle, NCB can be transferred to the new car.
No Claim bonus is the reward your insurance company will give you for not filing a claim in the previous policy period and maintaining your car. NCB is applicable only from the second policy year. This no claim bonus discount ranges from 20%-50%.
For example, Mr. Sharma pays an insurance premium of Rs. 20,000 for his car, of which Rs. 18,000 is the own damage component, and he has not made any insurance claim for 5 consecutive years, he becomes eligible for a discount of up to 50% or Rs. 9,000.
Zero Depreciation insurance means that despite the value of your car going down with time, you get complete coverage on expenses incurred in case of damage. Have a relevant zero dep car insurance plan, or simply top up your comprehensive car insurance plan with the bumper-to-bumper HDFC ERGO add-on!
This add-on cover retains your No Claim Bonus even after you have raised a claim for damage caused to your parked vehicle due to external impact or any calamity such as flood, fire etc. This cover not only protects your NCB earned so far, but also takes it to the next NCB slab. It can be claimed for a maximum of 3 times during the policy period.
Nil Depreciation, also known as Zero Depreciation Cover, gives complete coverage without any depreciation. There is no decrease in the value of the asset with the passage of time, it is an add-on cover that can be opted for while buying car insurance online.
No, it will not be covered, because the information on your insurance policy must match the details of the car when making a claim. When you switch to LPG or CNG, the fuel type of your car changes, and hence, your claim request can get rejected. Therefore, you must inform the insurer about this change at the earliest.
In this case, you can opt for a top-up plan to get coverage for the new accessories.
As the car ages, its value depreciates. Zero Depreciation Cover is an add-on cover that provides complete coverage to your car without considering the depreciation value. In the event of any damage, the entire claim amount will be paid by the insurer. Without this add-on, the insurer pays the compensation after deducting the depreciation amount which has to be borne by you. You need to pay an additional premium to purchase this add-on.
The Insured Declared Value (IDV) is the maximum amount of sum assured fixed by the insurance company, according to the present market value of the vehicle. Sometimes, the overall repair cost exceeds 75% of the vehicle's IDV,and then, the insured car is treated as a Constructive Total Loss claim.
Roadside assistance is an add-on cover that comes to your rescue when you are stranded on the road in case of a mechanical breakdown. This has to be purchased by paying additional premium. One can avail 24*7 road side assistance for breakdown, tyre replacement, towing, fuel replacement etc. by contacting the customer care.
Unless you have a Zero Depreciation cover, the insurer pays for the repair or replacement of car parts at a depreciated value. The value of the car and its partsbecomes lower as the years go by. This 'deduction for depreciation' decides how much the policyholder pays from his/her pocket.
If your car insurance expires you will have to face the following:
• Financial loss in case of accidents-Accidents can happen anytime and anywhere which may amount to a huge sum as your car insurance has expired. To repair the damages, you will have to break your savings and pay for it as your car insurance has already expired.
● Loss of Insurance Protection–Car Insurance policy provides you wide coverages, which can protect you in case of any car related emergency. If you allow your insurance policy to expire, you risk losing the benefits of the insurance cover and you might have to pay from your own pocket for the repairs before buying a new car insurance policy.
● Driving with Expired Insurance is Illegal - Driving without valid car insurance is a criminal offence in India under the Motor Vehicles Act and can attract a penalty of up to Rs. 2000 or imprisonment for up to 3 months. Now, that's unwanted trouble you are inviting upon you.
Following are the ways in which you can check the status of your car insurance policy renewal online:
Option 1: Insurance Information Bureau
One way to check the status of your insurance policy online is through the website of IIB (Insurance Information Bureau). The steps to do this are as follows:
• STEP 1: Visit the IIB website.
• STEP 2: Enter the details of your vehicle.
• STEP 3: Click the "SUBMIT" button.
• STEP 4: View the policy details.
• STEP 5: If you are unable to view any information, try to search by the vehicle engine number or the vehicle chassis number.
Option 2: VAHAN E-services
The alternative to IIB when checking the status of your car insurance policy is to check through VAHAN e-services. Here are the steps to do so:
• STEP 1: Visit the VAHAN e-services web page.
• STEP 2: Click on "Know Your Vehicle".
• STEP 3: Enter the vehicle registration number, as well as the verification code.
• STEP 4: Click on the "Search Vehicle" button.
• STEP 5: View the insurance expiry date and other vehicle details.
Following are the benefits of Car insurance renewal
Third party liabilities
If your car is involved in an accident that results in damage or loss to the property of any third parties, it is covered under the car insurance. Furthermore, if you face any legal liabilities in case of any bodily injury or death of a third party, your car insurance protects you against the same.
No claim bonus
One of the major advantages of having car insurance is the no claim bonus (NCB). Customer is eligible for this benefit for every claim-free year. This may be available as a discount on the premium, which makes car insurance even more affordable.
Damage or loss to insured vehicle
In case your vehicle is damaged due to an accident, fire, or self ignition, you are protected. Furthermore, if the car suffers losses due to burglary or theft, strikes, riots, or terrorism, your insurance policy covers these. Another benefit of car insurance is that it covers loss or damage while in transit by rail, inland waterways, air, road, or lift.
Personal accident cover
Another advantage of car insurance is that it offers personal accident cover for a pre-determined amount. Personal Accident cover provides protection against permanent total disability, Death due to an accident. Furthermore, this cover can be taken for other passengers on unnamed basis (maximum as per the vehicle's seating capacity) for a pre-determined amount under the car insurance policy.
All you need to do is follow these easy steps:
1. Visit Our Website–Visit HDFC ERGO car insurance page https://hdfcergo.com/car-insurance.
2. Select Appropriate Category–
a. If you are an existing customer, please enter your policy number to continue,
b. If you are a new customer, please enter your car details and follow the steps to buy a new policy.
3. Verify Your Details - Enter your name, email ID, mobile number, vehicle details, and city.
4. Select Expiry Details -Click on the appropriate time frame for your expired car insurance.
5. View Quote - You will get the best quote for your car insurance.
You have to connect with HDFC ERGO toll free no or Log in to our website and take the self help option for the changes to be done in your policy If required you need to submit proof for the required changes. There are some endorsements that may require you to provide an additional premium.
During intimation to HDFC when filing for the claim, you must have the following 3 documents ready for reference:
• RC book
• Driving license
• Policy number along with policy copy
At the time of an accident, take down the number of the other car involved and try to take sufficient pictures and Video of the accident spot with the vehicle and objects involved. This step will help you to explain the incident while claiming and also in case you want to file an FIR in the police station.
Once you have taken these initial steps, just relax, take it easy and give a call on the HDFC ERGO Customer Care number-18002700700or simply log on to WWW.HDFCERGO.COM to register your claim. Post claim Intimation you will receive the Claim Number via SMS and in case of Call Center Intimation the executive on call will provide you with the reference claim number. In the event of theft of the insured vehicle, the company will hire a private investigator to track the same and for this purpose all associated documents will be collected from the police. In this case, the claim settlement process may take up to 60 days.
Most assets like our cars, see wear and tear over a period of usage. This causes a dip in the total value of the asset. This is called depreciation. It happens quickly with cars and despite the best insurance plans, you tend to get lesser coverage on claims, year-on-year. If this disheartens you, then you might want to invest in a zero depreciation policy.
Zero Depreciation insurance means that despite the value of your car going down with time, you get complete coverage on expenses incurred in case of damage. Have a relevant zero dep car insurance plan, or simply top up your comprehensive car insurance plan with the bumper-to-bumper HDFC ERGO add-on!
| TRADITIONAL or COMPREHENSIVE Insurance | Zero Dep Car INSURANCE |
| Claim settlement only happens after deducting car depreciation as per mentioned rates. | Claim settlement post inclusion of car depreciation. |
| Lower premium value | Higher value compared to traditional coverage |
| Purchasable for cars less than 15 years of age | Purchasable for cars up to 5 years of age |
| All costs incurred are shareable between customer and insurer | All costs incurred are borne by insurer |
It depends on the insurer. You may get it in a day or two, or the process can take a week.
The policy will remain more or less the same, but the premium may change depending on the city to which you are moving. This is because the insurance rates differ based on the registration zone of the car. Metro cities usually have a higher rate of premium than the rest of the country. In case of job change, just inform the insurer so that the details are updated. In any case, you need to update your contact details i.e. your new address and phone number, which can be done online.
Visit the official website of the insurance company and select the option to download an e-copy of your policy. Once you enter your policy number and registered mobile number, an OTP will be sent to that number for verification. Enter the OTP and provide your registered email ID. A copy of your car insurance policy will be sent to your mail ID in PDF format. You can then download the policy.
According to the Ministry of Road Transport and Highways, even a digital copy of documents such as driving license and a vehicle's registration, insurance etc., which are stored in Digilocker or mParivahan mobile app, will now be accepted legally along with the actual physical documents. Original papers or photocopies of the same are no longer mandatory.
The insurance policy has to be transferred from your name to the new owner. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount are required for this. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
Yes. Most car insurance companies in India offer decent discounts on the premium if the policyholder is a member of Automotive Research Association of India (ARAI).
Electrical accessories in a car usually include music system, ACs, lights, etc. The non-electrical accessories are the interior fittings in the car, like seat covers and alloy wheels. Their value is calculated according to their initial market value and then the depreciation rate is applied.
It means that if the car owner has hired a driver and if the latter meets with an accident while driving your car, then the insurance company will provide compensation for his injury/ loss of life.
You can pay via net banking, debit card or credit card. You can pay the whole amount at once or in instalments.
Yes. If you add an additional layer of protection, it will lower the risk for the insurer in case of a theft, and so, you will be rewarded with a discount.
Usually, the list is available on the insurer's website. You can also check with your insurance agent or call the customer care number if you can't locate it.
Ranging from high-end locks to alarms, anti-theft devices are gadgets that protect your car. You need to get one certified by the Automotive Research Association of India (ARAI) if you wish to avail the anti-theft discount on the car insurance premium.
As per the Motor Vehicles Act 2019, the fine for driving without insurance is Rs 2,000 and/or imprisonment of up to 3 months for the first time. For subsequent offence, the penalty is Rs 4,000 and/or jail term of up to 3 months.
Bumper to bumper is an add-on cover providing complete coverage, in case of an unfortunate event, to damages done to fibre, metal, and rubber parts of your car. This, however, does not cover engine damage, batteries, tyres and glass. Pay additional premium to purchase this add-on. It is also known as zero depreciation or nil depreciation car insurance.
The different types of car insurance plans are:
Liability only policy: The Indian Motor Vehicles Act, 1988, makes it is compulsory for car owners to have a valid third-party insurance policy, and non-compliance of the rule can lead to heavy penalties. This policy covers bodily injury (or death) or property damages done to any third party in case of an accident caused by the insured party, on the condition that it wasn't a deliberate act or done under the influence of any drugs or alcohol.
Comprehensive plan: Buying this policy is optional, but it is highly recommended by experts. It covers damage done to your own vehicle as well as that done to a third-party. Apart from accidents, it also covers thefts and damages done to the vehicle by natural calamities like flood, lightning, earthquakes, etc. or malicious acts like riots, strikes, and terrorist activity. This plan can be bought for a single year or for long term.
Standalone Own Damage Car Insurance: This offers exclusive protection to your car that may get damaged due to accidents, calamities, fire or loss due to theft. It doesn't cover treatment for injuries of the driver, or any damage done to the third-party, unlike a comprehensive plan.
Other plans are also available depending upon the type of car i.e. Private Car Insurance and Commercial Vehicle Insurance.
If you didn't make a claim during the policy period, you get No Claim Bonus. Apart from a discount on your insurance premium, your insurer is most likely to offer additional benefits when you renew the policy. These rewards might include a sizeable decrease in deductibles or an accident forgiveness option, which means zero increase in premium even after an accident.
You can now secure your car before your favourite song gets over, in less than 3 mins!
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Know What the Expert Speaks About Our Car Insurance Plans
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your car insured from HDFC ERGO, a brand serving more than 1.5 crore+ customers. With overnight repair services and more than 7600+ network garages, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.
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RUCHI SAHANI
Private Car Comprehensive Policy
My car had got stolen but fortunately it was insured with HDFC ERGO. The fast track claim settlement and fabulous claims team ensured my claim was settled quickly and easily. I can never even think of getting my other cars insured with any other company except HDFC ERGO.
DHEERAJ TIWARI
Private Car Comprehensive Policy
Excellent service by HDFC ERGO with special mention of the claims team. I got my vehicle before the time committed to me and in an excellent condition and the way my claim was dealt with, is really commendable. I would recommend a HDFC ERGO car insurance policy.
P SARATH CHANDRA
Private Car Comprehensive Policy
Thank you for making my car insurance purchase hassle-free. The service I received was commendable, with special mention to customer support team who patiently answered all my queries and ensured my doubts were cleared. Even in this pandemic situation, HDFC Ergo made sure I had a memorable buying experience.
ARUNCHANDRA SHETTY
Private Car Comprehensive Policy
I was pleasantly surprised with the smooth and seamless process and also the speed at which the service was delivered. Excellent service, only suggestion I have is to keep the app updated , so that the customer can get all the status and progress of the case.
SAIFUDDIN SIDDIQUI
Private Car Comprehensive Policy
I have had a great experience in my dealings with HDFC ERGO and I feel it is the best insurance company. They are synonymous with being efficient, hassle free and fair and I highly recommend HDFC ERGO to all my friends and family.
SHIVSHARAN MALI
Private Car Comprehensive Policy
The claim settlement process was smooth and only reiterated the fact that HDFC ERGO's services are excellent. Despite the COVID 19 situation and offices being closed which caused a little delay, my experience was hassle-free and I will continue to be a customer of HDFC ERGO in future too.
Awards & Recognition
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
Last updated: 2021-11-29
View all awards
Can You Buy Car Insurance With an Expired Driver's License
Source: https://www.hdfcergo.com/car-insurance