HDFC Ergo Commercial Vehicle Insurance

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HDFC Ergo Commercial Vehicle Insurance

Get HDFC Ergo Commercial Vehicle Insurance—comprehensive cover, wide garage network, third-party liability, and personal accident benefits.

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Details for HDFC Ergo Commercial Vehicle Insurance

HDFC Ergo Commercial Vehicle Insurance offers extensive coverage for a wide range of commercial vehicles, including goods carriers, passenger vehicles, trailers, and more. It protects against damage or loss to the insured vehicle and includes third-party liability for injury, death, or property damage. With a vast network of cashless garages, fast claim support, and customizable add-on covers, it ensures business continuity and peace of mind. The policy also provides Personal Accident Cover for the owner-driver, paid drivers, and employees, along with legal liability coverage for passengers. Enjoy added benefits like No Claim Bonus and optional coverage for electrical/non-electrical accessories.

Policy Exclusion

  • General aging, wear and tear
  • Damage by a driver without a valid driving license
  • Mechanical or electrical breakdown, failure
  • Damage by a person driving under the influence of liquor / alcohol / drugs
  • Depreciation, any consequential loss
  • Loss / damage attributable to war / mutiny / nuclear risks
  • Damage to tyres / tubes, unless damaged in an accident
  • Loss / damage, outside India
  • Damage caused by overloading or strain of the insured vehicle
  • Damage to any bridge and/or via duct and/or to any road and/or anything beneath by vibration or by the weight of the insured vehicle and/or load carried by the insured vehicle

Additional Benefits

  • Large network: Cashless Claim Service authorized network of garages across India.
  • Types of vehicles covered: HDFC ERGO provides covers to various classes of commercial vehicles such as goods carrying vehicles - both private and public carriers, trailers, passenger carrying vehicles, miscellaneous & special types of vehicles.
  • Loss or damage caused to the vehicle insured
  • The policy covers you for the legal liability for injury / death and/or property damage caused to a third party in the event of an accident caused by or arising out of the use of the insured vehicle.
  • Personal Accident Cover For Owner-Driver
  • Electrical / non-electrical items can be insured separately
  • Personal accident cover for paid driver / employee
  • Legal liability for paid driver/ employee in connection with the operation of the insured vehicle
  • Legal liability to fare / non-fare paying passengers
  • Cover for lamps tyres / tubes mudguards bonnet / side parts bumpers headlights and paintwork of the damaged portion only
  • Use of commercial type vehicles for both commercial and private purposes
  • Cover for Overturning applicable for Miscellaneous Type of Vehicles

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