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


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.


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.

Compare and Select the Best Car Insurance Policy

Covers under Car Insurance Comprehensive Cover Third Party Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
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Damage due to events like – Fire, theft, vandalism etc.
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Choice of add-ons – Zero depreciation, NCB protect etc.
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Customization of car value
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Personal accident cover of Rs. 15 Lakhs
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Damage to third party vehicle/ property
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Injury to a third party person
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No hefty fines levied if valid policy in place

Add-on Covers with HDFC Ergo Car Insurance

Select from the wide range of add-ons to boost your coverage

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 24×7 roadside assistance ensures help is just a phone call away, and your car is taken care of anywhere anytime.


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


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