HDFC ERGO Community

Post Question

5 User(s) Online | Login | Sign Up

I recently lost my original insurance policy. What is the process to obtain a deiplicate policy copy?

Hi we had recently lost our policy two insurance copies plz us to get duplicate copy

tags 41600 Views 5 kudos 9 Replies 06-06-2019

How can I cancel policy online?

You can do it by clicking at Here

tags 19099 Views 3 kudos 7 Replies 18-03-2019

What is zero depreciation in car insurance?

By the way, after a lot of statistical research and data crunching, your zero depreciation premium depends on 3 main factors:

Age of the car
The model of the car
The location in which you are based

tags 11300 Views 2 kudos 8 Replies 29-03-2018

How can I check my policy claim status online?

You can log on to insurance company website and enter the details of your insurance policy.

tags 10800 Views 0 kudos 3 Replies 12-05-2017

What is a Personal accident?

Personal Accident is to protect ourself from unforeseen and unexpected instances

tags 9602 Views 9 kudos 11 Replies 27-03-2018

What is the claim procedure under Motor Insurance?

First, check the nearest network garage:

https://www.hdfcergo.com/locators/cashless-garages-network.html

Sources For Intimation of Claim:
1. Online registration of Claim: https://www.hdfcergo.com/customer-care/claim-intimation.html
2. Call the Toll free: 24x7 customer helpline number 1800 2700 700 (Accessible from India only) and get your claim number.
3. IPO Insurance Portfolio Organiser: HDFC ERGO Mobile App. Download from here: https://www.hdfcergo.com/MobileAppsDownloadPopUp.aspx?type=android

You can opt for any of these :

1. Cashless Claim Procedure: Where the garage and HDFC ERGO have tie up. where you have peace of mind by not paying a huge amount to the garage.

2. Reimbursement Claim Process: If due to some reason you don't end up in Network garage then you can fix your vehicle from the non-network garage and get your bills reimbursed later.

Don't delay in registering the claim. If you are late they will ask for the reason of delay which should be reasonable.

Some basic terms used while calculating claim i.e. what makes up the claim amount.

The Repair and replacement costs, less the depreciation value.

Insurers have provided some additional coverages like a topping on an ice cream, which stops excessive deductions from claim amount like zero dep.

Consider an example where you have an unfortunate accident causing damage to your vehicle and a component made of fiberglass like the bumper is damaged.

Total estimated cost	80,000
Standard deduction for depreciation @ 30%	24,000
Other standard deductions (Compulsory deductible)	1,000
Claim payment without Zero Depreciation	55,000
Claim payment with Zero Depreciation	79,000