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
How can I cancel policy online?
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:
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.
What is a Personal accident?
Personal Accident is to protect ourself from unforeseen and unexpected instances
What is the claim procedure under Motor Insurance?
First, check the nearest network garage:
Sources For Intimation of Claim:1. Online registration of Claim: https://www.hdfcergo.com/customer-care/claim-intimation.html2. 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.
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Waiting periods and NCB benefit are the only two things that can be transferred during porting. Monetary capping in your policy on expenses, exclusions, day-care coverage and other policy features and terms and conditions cannot be ported; it will be as per the new policy. Also, even if you choose the same Sum Insured, there is a chance that the premium may go up. This is because the pricing depends on the underwriting procedure of the new insurer
HDFC ERGO General Insurance Company Limited