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HDFC ERGO Standalone Own-Damage Car Insurance is designed to cover damage to the insured vehicle caused by events specified in the policy, such as accidents, fire, theft and certain natural or man-made events. It is intended for car owners who maintain separate valid third-party motor insurance. Coverage, deductibles and claim settlement are governed by the issued policy wording.
Protection for covered damage to your own car
This policy type can suit owners who already have third-party insurance and want separate protection for their own vehicle. Compare the insured declared value, compulsory and voluntary deductibles, exclusions and available add-ons before buying. Premiums depend on vehicle age, make and model, location, IDV, claims history and selected covers.
HDFC ERGO
Key Insights
Founded
2002
HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.5% CSR, calculated as a 3-year average
HDFC ERGO settles 98.5% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-2677-444
Headquarters: 6th Floor, Leela Business Park, Andheri - Kurla Rd, Marol, Andheri East, Mumbai, Maharashtra – 400059
Covers eligible damage to the insured car resulting from covered accidental events.
Deductibles and policy exclusions apply.
Provides cover for insured vehicle damage caused by fire and other events listed in the policy.
Check the exact insured perils in the wording.
May cover theft of the insured vehicle when policy claim conditions are satisfied.
Settlement is subject to IDV and documentation.
Covers specified events such as eligible flood, storm, riot or malicious damage where included by the policy.
Refer to the policy wording for covered events.
Claim settlements may include deductibles, depreciation or other applicable deductions.
Check the schedule and policy conditions.
May reduce depreciation deductions for eligible replaced parts under covered claims.
Optional; subject to availability and eligibility.
May cover specified engine or gearbox damage under defined conditions.
Verify current availability and exclusions.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC ERGO plans and claim process
It covers eligible damage to your own insured vehicle. Third-party liability must be covered separately.
Yes. You must maintain valid third-party motor insurance for your car as required by applicable law.
Eligible vehicle theft may be covered subject to policy conditions, documentation and settlement terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Official Website
hdfcergo.com
Visit the official HDFC ERGO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
May provide assistance for eligible roadside breakdown situations.
Services and limits depend on the selected add-on.
The quote depends on vehicle details, age, IDV, registration location, claims history and selected add-ons.
It may be available for eligible vehicles and policies. Confirm current availability, terms and limits with HDFC ERGO.