HDFC ERGO General Commercial Vehicles Package Policy

• Loss/damage cover for the vehicle insured
• Cover towards liability to third parties
• Personal Accident Cover for Owner cum Driver
• Choose rider/s to enhance protection
• Enjoy superior service levels and standardized processes
• Dedicated customer support team
• Cashless claim service at 1600+ authorized garages
• Simple documentation for 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

While the insured vehicle is being used for towing a mechanically disabled vehicle, this cover provides benefits towards third party liability in respect of such towed vehicle, subject to the terms as applicable under the policy schedule.

Reimbursement of towing charges is applicable upto Rs 750, Rs 1500 and Rs 2500 that varies depending on the vehicle type.

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

• Additional Legal Liabilities: Additional legal liabilities towards Paid driver employed for operation of vehicle and Employees travelling in/driving the vehicle other than paid driver is also covered.
• Personal Accident Cover: Additional personal accident cover is available for Paid Driver, as stated in the policy schedule.
• Bi-fuel Kit: The CNG-LPG bi-fuel kit can also be covered upon opting the add-on cover.
• This policy also provides riders to cover ‘Loss/Damage to electrical & non-electrical accessories’.

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

• General ageing, wear and tear
• Mechanical or electrical breakdown & failure
• Vehicle is used outside the geographical area
• Any claim arising out of contractual liability
• Vehicle being used other than as specified under ‘Limitations as to Use’
• Loss/damage attributable to war, mutiny, nuclear risks
• Loss/damage outside India
• Partial theft, etc.