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. 

Otherwise you can download soft copy via https://www.hdfcergo.com/customer-care/email-policy-copy.html

And if you want a soft copy instantly you can get it from this link: https://www.hdfcergo.com/customer-care/email-policy-copy.html It will require few details: policy no or registered mobile no or registered e-mail id.