Claim settlement is the process where the insurer fulfils its obligation to provide financial cover for damages that happened to your car under pre-agreed circumstances. There are different types of claim settlement processes and the required documents also differ in different scenarios.
The claim settlement ratio determines how efficient an insurer is in providing claims. HDFC Ergo currently maintains a Claim Settlement Ratio of 99% in motor. However, it is important to be mindful of the claim settlement process to ensure proper documents are maintained to file a claim.
HDFC Ergo provides 2 types of claim settlement processes:
HDFC Ergo has 8000+ cashless garages across India. Cashless garages provide repair services without any upfront payment by you. These garages have ties with HDFC and are paid directly by them for their services to customers.
The reimbursement process is where you get your car repaired at any garage and pay for it, and later the insurer pays the repair cost to you.
To get reimbursement for the cost of repair, you need to ensure that you initiate the claim as soon as you observe the damage. After the inspection survey get your car repaired and send the invoice to HDFC Ergo for reimbursement.
Claim Initiation is the first step of filing a claim. Initiation means informing the insurer about the damage that happened to your car. It is important to initiate the claim as soon as you observe damage to ensure that the process moves smoothly.
To initiate a claim with HDFC Ergo, you can choose any of the given channels:
Under different circumstances, the claim process can differ slightly. Given below are claim processes for accidents and third-party claims
The process to file an accidental claim is given below:
Third-party claims are filed when damage is caused by our car to a third party (person or property). The process for filing a third-party claim is given below:
In case of injury or death, most cases are settled out-of-court by mutual agreement. Although there are no legal issues with this, in such cases it is recommended to involve authorities.
In case of property damage, compensation is decided or rejected only after a hearing is completed from both parties involved. 7.5 Lakh Rupees is the maximum limit of compensation for property damage.
In the claim settlement process, you can choose among the online and offline methods of claim settlement.
To follow an offline approach to claim settlement, initiate the claim by calling the HDFC Ergo toll-free number 022 6234 6234 or visit the nearest branch. Your initiation will be followed by a visiting surveyor. Once the cost of repair is approved you can proceed to the garage to get your car repaired.
The following documents are required in the process of settling a claim:
Below are the Additional documents required in case of theft
These are the common documents required in the claim process but it is suggested to check with the insurer as you might need other documents as well.
No Claim Bonus (NCB) works as a reward for keeping your car well protected during the policy. If you make no claims in a year, you are rewarded with NCB ranging from 20% to 50%. NCB is applied to the premium of your renewal of car insurance.
The longer you don’t file any claims, the more reward you get.
Claim Free years
NCB discount
Some key points about NCB to keep in mind are:
To help with their claim process, HDFC Ergo has certain channels open for its customers to seek assistance or get answers to their queries. These channels are discussed below:
Toll-Free Number: Reach out to HDFC Ergo customer support by calling on 022 6234 6234 / 0120 6234 6234
Live Chat Support : Visit the website and click on the ‘Help’ icon located on the top right corner of the screen. From the drop-down menu, click on ‘Chat With Us’. A chatbox will appear where you can seek support.
Email Support : You can write an E-mail to the customer assistance team at care@hdfcergo.com.
WhatsApp Updates : You can send a WhatsApp text on their official mobile number 8169 500 500.
The Grievance Redressal Cell : If you are not satisfied with the response of the customer assistant team, you can reach out to the grievance redressal cell by mailing grievance@hdfcergo.com or calling on 18002677444 (9:00 AM to 5:00 PM).
HDFC Ergo has special channels for senior citizens and women:
Senior Citizens: Call on 022- 6242-6226 or write at seniorcitizen@hdfcergo.com .
Insurance Ombudsman : In case the grievance redressal can not provide a satisfactory response, you can approach to an Insurance Ombudsman through the Council for Insurance Ombudsmen.
Have a third party car insurance only? You may want to convert into a comprehensive car insurance policy. Read this article to find out why.
By InsuranceDekho 03 Jan 2024
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
By Arundhati Raj Gupta On: July 2, 2024 Quick repair serviceMy 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
By Kabir Monga On: July 1, 2024 Roadside assistanceI 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
By Zeeshan Kamil On: June 27, 2024 Smooth claim processCouple 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
By Aman Malhotra On: June 25, 2024 Reimbursement claimA 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
By Ranbir Chatterjee On: June 24, 2024 Customised PlanThanks 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
By Agathiyan On: June 19, 2024 Overnight repairI 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
By Nihal Siddiqui On: June 13, 2024 Best ServicesInsuranceDekho 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
By Parth Sharma On: June 11, 2024 Quality customer careI 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
By Prem Tripathi On: May 30, 2024 Easy and smooth processHDFC 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
By Rohan Patel On: May 29, 2024The insurer may not realize the full value of your claim. This is because your assessment of the car damage may be different from what the insurer has evaluated. Also, the claim settlement is subject to the terms and conditions of each insurer. This results in the insurer not rejecting the claim proposal in full but honoring only a part of the claim you had sought from the company.
Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.
