What Add-on Covers Are Available With HDFC ERGO Car Insurance?

Choosing HDFC ERGO Comprehensive Motor Insurance plan is certainly the best means to empower your coverage and protect your loved ones. However, it’s all the time vital to raise your motor insurance policy coverage with Add-on covers to make sure you have maximum coverage for entire protection. Have a look at the add-on covers that are offered with HDFC ERGO car insurance.

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Zero Depreciation Cover

HDFC ERGO Zero depreciation cover ensures comprehensive coverage without considering depreciation. For instance, in case your car suffers any damage due to collision and you file a claim then you’ll be receiving the total cost without any deductions. Zero depreciation add-on cover doesn’t impose any restrictions in the number of claims you make in a year.

Features

• Upto Rs. 500/- per day payable for private cars
• Maximum 5 days for partial loss payable
• Covers for 15 days in case of total loss/theft claims
• Avail coverage for upto 3 times in case of partial loss
• One time coverage for total loss

Engine and Gear Box Protection Cover

Heavy rains and floods cause damage to your car’s engine. Such incidents lead to hydrostatic lock. The part replacement and repairing costs of your car’s engine may drag you into colossal expenses without any prior hint. So, in order to safeguard your car against such unpredictable expenses or loss, you should go for the Engine and Gear box protection cover from HDFC ERGO car insurance online. This add-on cover could be a savior.

What’s Does It Covered?

• Repairs and replacement of internal parts
• Repairs and replacement of child parts
• Labour costs
• Engine cylinder re-boring
• Compression tests
• Other machining charges

No Claim Bonus (NCB) Protection

Every motor insurance policy offers you renewal discount on every claim free year in the form of No Claim Bonus (NCB). However, you must to take everything for granted since accidents are unpredictable and comes without prior notice. Considering this factor, HDFC ERGO offers and add-on cover No Claim Bonus Protection which in case of an unfortunate accident, keeps your No Claim Bonus discount intact for the nest renewal of your car insurance policy.

Features

• Damage to Windshield Glass in case if it’s damaged by any External Object
• Loss/damage due to accidental external means to the Parked Vehicle
• Loss/damage due to Earthquake/ Flood /Act of God (AOG) perils to a Parked Vehicle

Cost of Consumable Items

We all end up for most of the time spending a so much on our car’s consumable items, which either have precise uses for entirety consumption or are rendered flabby for further usage. Under such conditions, HDFC ERGO car insurance provides Cost of Consumable Items to cover the costs arising due to replacement or purchase of consumable items.

• Such consumable items include screw, grease, nut, bolt, coolants, battery water, filters, lubricants, washers, clips, AC gas, engine & other oils, bearings, gaskets, sealants.

Apart from the above-discussed add-on covers on offer with HDFC ERGO car insurance policy, there are some others as well namely Emergency Assistance Service Programme, Return to Invoice, Key Replacement cover, Emergency Assistance Wider Cover.