#1
23rd November 2015, 10:07 AM
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HDFC ERGO Car Insurance
Can you tell me in detail about the Private Car Insurance policy offered by HDFC ERGO as I am planning to apply for the insurance in it?
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#2
23rd November 2015, 10:10 AM
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Re: HDFC ERGO Car Insurance
HDFC ERGO Private Car Insurance offers a comprehensive protection to vehicle in the form of covering any loss or damage and third party liabilities. HDFC ERGO Private Car Insurance policy covers the following:- • Loss or damage caused to vehicle caused out of any one of the following reasons: • Accident caused by external factors • Natural calamities such as earthquakes, landslides, floods, lightning, storms or rockslides • Man caused calamities such as explosions, fires or self-ignition • House Breaking, burglary or theft • Terrorist activities, strikes, riots or malicious activities • Transit by road, inland waterways, rail, air or lift • Third Party Liability - The insurance plan cover legal liabilities that arise out of an injury/death of a third party and property damage caused to third party in case of an accident that involves the vehicle insured. • Private Accident Cover - The policy provides for a compulsory private accident cover for the owner driver for an amount of Rs. 200,000 which covers accidental death and permanent total disability. • It also provides cover for the unnamed and named passengers depending upon the seating capacity of the vehicle and paid driver. Premium • The premium for Private Car Insurance plan depends on: • Vehicle type • Vehicle Age • Type of fuel used in running the Vehicle (Petrol/Diesel/CNG/LPG) • The sum insured or Insured’s Declared Value (IDV) • Place of registration of the vehicle • A variety of optional covers availed on payment of an additional premium • Personal Accident cover for paid employee/driver • Personal Accident cover for Unnamed Passengers • Legal liability for paid driver who drive the insured vehicle • Legal liability to employees who travel in the insured vehicle • Electrical / Non Electrical items can also be insured separately HDFC ERGO Car Insurance |