HDFC Ergo Private Car Insurance

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HDFC Ergo Private Car Insurance

Get HDFC ERGO Private Car Insurance with wide coverage, 7,700+ cashless garages, add-on benefits, and ₹2 lakh personal accident cover.

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Details for HDFC Ergo Private Car Insurance

HDFC ERGO Private Car Insurance offers extensive protection against accidents, theft, fire, natural calamities, riots, and more. It includes a ₹2 lakh personal accident cover for the owner-driver and third-party liability protection. With 7,700+ cashless garages across India and fast claim settlement, it ensures seamless service. The policy also provides Own Damage Cover and customizable add-ons like Zero Depreciation, Return to Invoice, Engine Protection, Tyre Secure, and Pay As You Drive. Benefit from a No Claim Bonus and maximum claim value based on the Insured Declared Value (IDV). This plan offers complete peace of mind for car owners.

Add-on Covers

  • Zero Depreciation Cover
  • No Claim Bonus Protection
  • Emergency Assistance Cover
  • Cost of Consumables
  • Tyre Secure Cover
  • Return to Invoice
  • Engine and Gear Box Protection
  • Loss of Personal Belonging
  • Downtime Protection
  • Pay as your drive Cover

Cashless Garages

  • Cashless Claim Service over 7,700+ authorized network of garages across India.

Policy Exclusion

  • General ageing, wear and tear
  • Damage by a person driving 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

Personal Accident Cover

  • 2,00,000/-

Additional Benefits

  • Accident by external means Burglary, housebreaking or theft,Fire, explosion, self ignition, lightning,Terrorism, riots, strikes, malicious actsTransit by road, rail, inland waterways, air or lift,Earthquake, flood, storm, landslide or rockslidE
  • The policy also provides compulsory personal accident cover for owner-driver for an amount of Rs. 2 lakh in case of accidental death and permanent total disability.
  • The Insured Declared Value for your vehicle would depend on the manufacturer’s listed selling price less depreciation for each year. The IDV would be the maximum amount payable in the event of a claim for total loss / constructive total loss.
  • Third Party Damages - Covers personal accidents, third party injuries, and property damages
  • Own Damage Cover - Covers accidents, fire & explosion, theft, and calamities

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