Is it necessary to purchase add-ons?

No, it’s not mandatory to opt for car insurance add-ons but it is advisable to have additional protection for your car.

What is engine protection cover in car insurance?

It is an add-on cover which can be purchased with the comprehensive car insurance policy or a standalone own-damage car insurance plan. It offers coverage towards damages or losses incurred by the engine of your car due to oil leakages and water regression.

What is zero depreciation cover in car insurance?

Zero depreciation cover is an add-on which provides coverage against the depreciation incurred by your car and its parts. By default a standard car insurance policy does not cover depreciation expenses of the car. Thus, zero depreciation cover helps you get rid of bearing the expenses caused due to the wear and tear of your car and its parts.

Can I buy add-ons at the time of car insurance policy renewal?

Yes, you can buy add-ons at the time of car insurance policy renewal.

What is Key Replacement cover in car insurance?

Key replacement is an add-on cover which covers the expenses arising out of the replacement of your car’s keys when they are stolen or misplaced.

HDFC ERGO Car Insurance Add-On Covers

CASHLESS GARAGES 8000+
CLAIMS SETTLED 100%
ZERO DEP. CLAIMS UNLIMITED

Key Features:

Maximum Cashless Garages
Over Night Vehicle Repairs
24x7 Roadside Assistance
Quick Claim Settlement

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When did you buy your car?

Year

Disclaimer: Actual Premium might vary basis your location, age and number of members

HDFC ERGO Car Insurance Add on Covers

HDFC Ergo General Insurance is one of the leading car insurance providers in India. It offers a wide range of add-on coves with its car insurance plans. Car insurance add-ons are extra coverages which can be opted with comprehensive car insurance plans and standalone own-damage car insurance plans to extend the coverage of the policy in return for an additional premium.

HDFC ERGO - 6 Important Add-on Covers For Your Car Insurance Policy

Following are the add-on covers offered by HDFC Ergo General Insurance with its car insurance plans:

1. Zero Depreciation Cover

Depreciation of your car and its parts is a natural phenomenon and the liability to pay for it by default falls on you being the car owner. However, by opting for this zero depreciation add-on cover, you can shift the liability of bearing the depreciation expense to the insurer. This cover relieves you from the depreciation applicable on your car and all its metal and plastic parts as 100% except tyres and batteries which are exempted from depreciation at 50%. This add-on can be availed in case of partial loss sustained by your car.

2. Engine and Gearbox Protector

This add-on helps you extend the coverage of your car insurance plan for damage incurred by the parts of your car’s engine and gearbox due to ingression of water and leakage of lubricants. This add-on insures you against the repair/replacement cost as well as the labour cost incurred during such repairs/replacement along with engine cylinder re-boring, compression tests, and other machining charges.

3. No Claim Bonus Protection Cover

As a policyholder, you are rewarded by the insurer for not making any claim during a policy period in the form of a No Claim Bonus. NCB is provided to you in the form of a 20% to 50% discount, depending on the number of claim-free years, on the own-damage premium of your insurance plan. However, this benefit gets lost if you make even a single claim during the policy period. However, if you have a No Claim Bonus Protection Cover, you can keep your NCB intact even after making up to 3 claims during a policy period.

4. Consumables Cover

Consumables refer to those items which when put to use get consumed totally or become unfit for permanent use after the usage. Such consumables include, nuts, bolts, screws, washers, grease, collants, engine and other oils, A/C gas, bearings, battery water, filters, etc. When you opt for this add-on, the expense of this consumable is borne by the insurance provider. Under this add-on, one claim is allowed during the policy period.

5. Return To Invoice Cover

In the event of total loss or theft of your car, the insurer provides you with the Insured Declared Value (IDV) of your car as compensation. However, this IDV is less than the Invoice Price, the amount which you had paid at the time of purchasing the car. This cover helps you get the Invoice Price as compensation in the event of total loss or theft of your car. The Invoice Prices includes the ex-showroom price, road-tax as well as the registration charges of your car.

6. Emergency Assistance Cover

This cover provides you with emergency roadside assistance in the event of immobilization of your car due to mechanical or electrical breakdown and as long as the fault can be repaired at the place of immobilization within 60 minutes at the spot of immobilization. Besides the repair facility, the add-on cover provides the following services:

Duplicate Keys- If keys your car get lost or misplaced, the insurer arranges forwarding of duplicate sets from your place of residence.

Locked/ Lost Keys: In case you get locked-in, the insurer will come to your rescue. If required, the insurer will also tow your car to a nearest safe place.

Battery Jump Start: If your car does not start due to the battery being discharged, the jump-start of the battery would be arranged.

Tyre change: If your car has a punctured or burst tyre the insurer would arrange for changing it with the spare tyre carried in your car. In a case where a spare tyre cannot be used, the insurer shall either tow the vehicle to the nearest tyre repair shop or accompany you to the nearest tyre repair shop and back.

Fuel delivery: If your car runs out of fuel, the insurer will deliver up to 5 litres of fuel (petrol or diesel only). However, cost of fuel would be paid by you.

Emptying of the Fuel Tank: if the fuel tank of your car is filled with the wrong fuel, the insurer will bear the cost emptying it using a technician.

Towing and Removal of the Car: In the event you car is immobilized due to the breakdown or accident and on site repair is not possible, the insurer will arrange the towing of your car to the nearest workshop or garage.

Explore Hdfc Ergo Car Insurance

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Hdfc Ergo Car Insurance User Reviews

4.9

Rating based on

702 User reviews

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What users are saying

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Add On
Most Helpful
Comprehensive
Zero Depreciation
Third Party
Own Damage
Renewal
Cashless Garages
Price
Premium
Policy Download
Customer Care
Claim

Super Happy with My Experience...
I recently bought my HDFC ERGO car insurance through InsuranceDekho, and I couldn’t be happier! The whole process was smooth, quick, and completely hassle-free. The website made it easy to find the right policy without any confusion, with no hidden fees, and just a seamless experience. I’d recommend InsuranceDekho to anyone looking for a stress-free way to buy car insurance!
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A
By Apala Pandey
On: February 13, 2025
Effortless Insurance Purchase
I just bought my car insurance from HDFC Ergo through InsuranceDekho, and I couldn’t be happier! The process was so simple and quick. I found the right policy in minutes, and the purchase was super easy. No complications, no stress. InsuranceDekho made it easy, and I’d highly recommend them to anyone looking for a reliable and hassle-free insurance experience!
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P
By Priya Jaiswal
On: February 7, 2025
Accident Claim Settlement
I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.
Read More
A
By Arundhati Raj Gupta
On: July 2, 2024
Quick repair service
My car's bumper was hanging after it was hit by a car. I gave my car for repair at one of the cashless garages by HDFC Ergo and it was delivered back within the same day. I am very happy with the efficient services provided by HDFC Ergo. Kudos to InsuranceDekho for helping me choose the right fit insurance plan.
Read More
K
By Kabir Monga
On: July 1, 2024
Roadside assistance
I was travelling back to Delhi from Moradabad early morning when my car stopped working and smoke was coming out from the engine. I was in a panic situation and called the HDFC Ergo claim team and a towing vehicle arrived in justified time with a mechanic who assessed the car and identified the problem. The car was then towed to a garage and I came back to my home with a cab. In a couple of days, my car was delivered back and all the costs were handled by HDFC Ergo. The whole experience was more helpful than I wished for and I would encourage everyone to take insurance using InsuranceDekho to protect themselves from getting stuck in such situations.
Read More
Z
By Zeeshan Kamil
On: June 27, 2024
Smooth claim process
Couple of days before my car was damaged by a branch of a tree falling on it during a heavy storm. I could not imagine how much cost it would have taken to repair if I didn't have insurance. HDFC Ergo car insurance claim process was very simple and easygoing. Thanks to InsuranceDekho for helping in selecting the best insurance provider.
Read More
A
By Aman Malhotra
On: June 25, 2024
Reimbursement claim
A small accident a few days back caused minor damage to my car. I was very annoyed with the incident as it prevented me from making to my job interview. I took my car to my trusted garage and got it repaired and got the claim reimbursed through HDFC. I was already tensed and thought that the insurer would trouble me with a long process but instead, they were very understanding and quickly completed the inspection process. Have to give it to InsuranceDekho for their expertise, their assistance team mentioned that HDFC is one of the best when it comes to claim settlement.
Read More
R
By Ranbir Chatterjee
On: June 24, 2024
Customised Plan
Thanks to InsuranceDekho for helping me find the perfect insurer. HDFC Ergo's comprehensive plan fits all my needs. This plan is perfect for every season's needs and makes me secure on the roads. The add-ons are like a cherry on the cake. Kudos to the whole team.
Read More
A
By Agathiyan
On: June 19, 2024
Overnight repair
I got some minor dents on my car 2 days ago and the feature of HDFC Ergo overnight repair amazed me. They picked up my car in the evening and the next morning i had a call notifying that the car was repaired. I was so amused! Thanks to InsuranceDekho for the help during this processs.
Read More
N
By Nihal Siddiqui
On: June 13, 2024
Best Services
InsuranceDekho is awesome at its job. The cool interface is so much interesting with its features to compare quotes and apply filters. It was a great decision to purchase my HDFC Ergo car insurance through them.
Read More
P
By Parth Sharma
On: June 11, 2024
Quality customer care
I have a HDFC Ergo own damage car insurance and I have been very satisfied with the services and customer care. They respond on time and the car picks up service is fast as well. InsuranceDekho was key in finding the best policy to match my requirements.
Read More
P
By Prem Tripathi
On: May 30, 2024
Easy and smooth process
HDFC Ergo's car insurance plan for my Hyundai i20 eased my worries. I visited them again and bought the same plan for my wife’s car. The online process was straightforward, and their customer service team provided great assistance whenever needed.
Read More
R
By Rohan Patel
On: May 29, 2024
Simple Buying Process
Getting HDFC ERGO car insurance through InsuranceDekho was simple! They have great customer service, good prices, and lots of coverage options. Definitely worth it!
Read More
M
By Mansi Bajaj
On: March 21, 2024
Complete Peace of Mind
With the HDFC Ergo Car Insurance Policy’s comprehensive coverage for my BMW car, I enjoy complete peace of mind while driving. I know that no matter what happens, my car is protected.
Read More
C
By Charul Midha
On: November 29, 2023
Personalized Policy Options
The premium calculator allowed me to explore the HDFC Ergo Car Insurance Policy options that align with my budget and preferences for my Nissan car.
Read More

By Garv Bakshi
On: November 24, 2023
Complete Value Protection
I am happy to say that the Zero-dep insurance for my HDFC Ergo Car Insurance Policy ensures complete protection for my Renault car's value. No deductions, and no surprises—just complete coverage that leaves me stress-free.
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Y
By Yogita Mohante
On: November 21, 2023
Excellent Advise
Good Guidance By Archit giving the details about insurance policy and explaination of clause, Features, Choice and Best suitable
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Renault Kiger Ahmedabad
By RUJWAL PRASAD
On: November 20, 2023
Financial Responsibility Made ...
On my HDFC Ergo Car Insurance Policy, I got third-party coverage for my Maruti car. Insurancedekho makes fulfilling financial responsibility easy. It's a no-fuss solution for car owners who want to do the right thing.
Read More
K
By Komal Verma
On: November 15, 2023
Making a Claim, Making a Diffe...
I think that claiming with InsuranceDekho for the HDFC Ergo Car Insurance Policy is not just about getting compensation for my Mahindra car; it's about making a difference. Their professionalism and dedication to customer satisfaction truly shine.
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By Sona Malkani
On: November 9, 2023
Good and easy but Credit card ...
Nice help by Agent bu Why few bank are not allowed for credit card. Seems partiality. HDFC ergo allowed HDFC credit card but not Axis and not SC... Ye nahi chalega, aap kuch card ko allow karke indirectly promote kar rahe ho. Internally check karao esa kyu ?
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N
Hyundai i20 2012-2014 Ghaziabad
By Neeraj Kumar Jagetia
On: November 8, 2023
Emergency Assistance
The emergency assistance offered by InsuranceDekho for zero-depreciation coverage for my Renault car is reassuring. The HDFC Ergo Car Insurance Policy ensures I have support during challenging situations.
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By Ramesh Prajapati
On: November 8, 2023
Stress-Free Repairs
Dealing with repairs is stress-free with InsuranceDekho's own damage coverage that came with the HDFC Ergo Car Insurance Policy. They handle everything efficiently, ensuring my Nissan car is back on the road.
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By Pooja Paul
On: November 7, 2023
Emergency Assistance
The emergency assistance offered by InsuranceDekho for third-party coverage is reassuring. The HDFC Ergo Car Insurance Policy ensures I have support for my Mahindra car during legal situations.
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By Madhvi Nagpal
On: November 3, 2023
Excellent
Good and informative interaction with your representative. Will get more information about the policy. Will try to continue with Insurance Dekho in future also
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Maruti Wagon R 2013-2022 Pune
By JAYANT DATTATRAY SAVE
On: November 2, 2023
Timely Renewal, Zero Worries
Timely renewal of the HDFC Ergo Car Insurance Policy with InsuranceDekho means zero worries on the road. I can drive my Hyundai car with confidence knowing I'm covered.
Read More
V
By Vineet Jain
On: November 2, 2023
Efficiency and Accuracy in Pre...
InsuranceDekho's Premium Calculator is efficient and accurate. It provided me with precise premium calculations for the HDFC Ergo Car Insurance Policy, saving me time and ensuring I have the coverage I need for my Kia car.
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R
By Richa Jain
On: October 31, 2023
Trustworthy Partnerships
I trust the partnerships that InsuranceDekho has with their cashless garages. The HDFC Ergo Car Insurance Policy reflects their commitment to ensuring quality service for my Maruti car.
Read More
H
By Helen Lal
On: October 30, 2023
Professionalism and Efficiency...
The professionalism and efficiency I saw in handling the HDFC Ergo Car Insurance Policy’s Zero Depreciation claims impressed me. InsuranceDekho’s team made the process easy, and I didn't have to worry about the financial aspects of my Chevrolet car repair.
Read More
V
By Vinny Khurana
On: October 26, 2023
Own Damage Done Right
I appreciate how InsuranceDekho gets its Own Damage coverage right. With the HDFC Ergo Car Insurance Policy, my Tata car was covered with all aspects of car ownership, making sure my vehicle is protected without any complications.
Read More
C
By Chandan Das
On: October 24, 2023
Reliable Third-Party Support
InsuranceDekho is a reliable source for third-party car Insurance support. Their team made sure that I had the coverage needed to meet legal requirements with the HDFC Ergo Car Insurance Policy for my Toyota car.
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A
By Anita Rao
On: October 23, 2023

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HDFC ERGO Car Insurance Add-On Cover FAQs

Is it necessary to purchase add-ons?
No, it’s not mandatory to opt for car insurance add-ons but it is advisable to have additional protection for your car.
What is engine protection cover in car insurance?
It is an add-on cover which can be purchased with the comprehensive car insurance policy or a standalone own-damage car insurance plan. It offers coverage towards damages or losses incurred by the engine of your car due to oil leakages and water regression.
What is zero depreciation cover in car insurance?
Zero depreciation cover is an add-on which provides coverage against the depreciation incurred by your car and its parts. By default a standard car insurance policy does not cover depreciation expenses of the car. Thus, zero depreciation cover helps you get rid of bearing the expenses caused due to the wear and tear of your car and its parts.
Can I buy add-ons at the time of car insurance policy renewal?
Yes, you can buy add-ons at the time of car insurance policy renewal.
What is Key Replacement cover in car insurance?
Key replacement is an add-on cover which covers the expenses arising out of the replacement of your car’s keys when they are stolen or misplaced.

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HDFC ERGO Car Insurance Contact Details

For any assistance or query, call us on

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HDFC ERGO Contact Details
022-6234-6234Mon to Sat 10:00 AM to 7:00 PM
care@hdfcergo.com

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