HDFC ERGO General Private Car Insurance Policy

• Loss/damage cover for the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• NCB benefit for no-claim policy year
• Additional covers to enhance protection
• Instant policy issuance with zero documentation required
• Estimate approval within 24 hours of vehicle reaching garage
• Cashless claim service at 3000+ authorized garages
• Hassle free claim settlement

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

Towing Cover

Reimbursement of towing charges is applicable up to Rs 1500 (Cars) or actual, whichever is lower.

No Claim Bonus

In case of a claim-free policy year, No Claim Bonus (NCB) is payable as 20%, 25%, 35%, 45% & 50% and it is offered on policy renewal. NCB can be availed under a policy, when it is renewed within 90 days from the date of expiry of the policy.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Zero Depreciation Claim: It pays the depreciation amount deducted on the value of the parts replaced for an approved claim, in case of loss or damage caused to the vehicle insured.
• Loss of Use/ Down Time Protection: In the event of any Loss and / or damage due to an Insured Peril, the cost of alternate means of transport for Private Vehicles up to Rs 500 per day is payable. There is a flexibility to use this coverage up to three times for any partial loss and once for a total loss/ theft claim during the policy Period.
• Engine & Gear Box Cover: The consequential damage to the internal parts of the Engine & Gear Box of the insured vehicle arising from water ingression leakage of lubricating oil following damage due to accidental means are covered.
• NCB Protection: Normally in case of a claim, the ‘No Claim Bonus (NCB)’ of your vehicle insurance policy gets impacted. However under this cover, the existing NCB of the expiring policy can be retained at the time of renewal. This benefit is available only for one single claim during the policy period.
• Cost of Consumable Cover: Cost of consumables such as Engine oil, Gear box oil, Brake oil, Power steering oil, etc. that may incur while replacing/replenishing the damaged vehicle, following an accident, is payable upon opting this add-on cover.
• Emergency Assistance: With this add-on cover, the insured can get assistance while stuck on the road. It provides service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and much more.
• Lost/Stolen Keys Cover: It covers the cost incurred by insured to replace the vehicle keys, in case it is lost/stolen.
• Return to Invoice: In the event of a Total loss/ Constructive Total Loss (CTL) or Total Theft of the vehicle, it pays the ‘shortfall amount’ between the amount received and the current replacement value of the vehicle if the same make model is available.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.