How to File HDFC ERGO Motor Insurance Claim?

HDFC Ergo offers a variety of motor insurance plans to protect your vehicle against unforeseen accidents, theft, or damage. In the unfortunate event of a claim, HDFC Ergo provides a straightforward and hassle-free process for claim settlement.

What is HDFC ERGO Motor Insurance Claim?

This article explores HDFC ERGO car insurance claims and HDFC ERGO two-wheeler insurance claims including how to file a claim, what will be the documents required, and what could be the possible reasons for rejection of the filed claim.  First, let’s look at the types of HDFC ERGO vehicle insurance claims.

Types of Insurance Claims

HDFC ERGO Cashless Claim: You bring your vehicle to a network garage for repairs when you file a cashless claim. HDFC ERGO will pay the garage directly in this situation. You only have to pay your deductible.

HDFC ERGO Reimbursement claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket.  After verification of all related documents, the insurer will reimburse the incurred cost. In this type of claim, it is not obligatory to get your vehicle repaired at the insurer’s network garage.  You can take your vehicle to any workshop of your choice. Be sure to maintain all the repair bills accurately.

How to File HDFC ERGO Motor Insurance Claim

Step 1: Intimation

The insurer should be notified right away if the bike is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyze the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company’s surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing HDFC ERGO Motor Insurance Claim

  • Accurately filled and signed claim form
  • Vehicle insurance policy document
  • Registration Certificate (RC) of the vehicle
  • Driving License
  • Copy of FIR (First Information Report) if applicable
  • Common Reasons for HDFC ERGO Motor Insurance Claim Rejection
  • Fraud claim/ claiming wrong coverage amount
  • Falsifying facts
  • Improper functioning of the vehicle parts
  • Lack of details required to process the claim
  • Delayed claim intimation
  • Negligence on part of driver

Additional Tips for Filing an HDFC Ergo Motor Insurance Claim:

Maintain Accurate Records: Keep copies of all relevant documents, including the policy documents, FIR copy, repair estimates, and communication with HDFC Ergo.

Inform HDFC Ergo Promptly: Timely intimation of the claim is crucial for a smooth and efficient claim settlement process.

Cooperate with the Surveyor: Provide the surveyor with all necessary information and documents to facilitate the assessment process.

Clarify Doubts: If you have any questions or concerns regarding the claim process, contact HDFC Ergo’s customer care representatives for assistance.