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23rd November 2015, 10:10 AM
Super Moderator
 
Join Date: May 2012
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



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