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TopCorporate Profile

HDFC ERGO is a 74:26 joint venture between HDFC Limited and ERGO International AG. While HDFC Limited is India’s premier Housing Finance Institution, ERGO International AG is the primary insurance entity of Munich Re Group.


The collaboration is dedicated to provide its customers with the “Right Insurance Solution” with a wide range of general insurance products including health, travel, home, personal and motor insurance. The company also offers customized products for corporate utility such as marine, liability and property insurance. The company focuses at improvising at every step and aims to cater to the needs of its customers with superior customer support while ensuring a pleasant experience for its customers. HDFC ERGO has been rapidly growing and already has a significant presence in India across 71 cities with 78 branch offices. The company employs more than 950 professionals and has a wide distribution channel of dealerships, retailer, brokers, corporate agents and direct sales team.

TopCompany Founder(s)

HDFC Limited

Incorporated in 1977, Housing Development Finance Corporation Limited (HDFC Ltd.) is a pioneer in housing finance and has so far served and assisted over 38,00,000 customers in India to own a home. HDFC’s network of 298 offices caters to more than 2,400 cities across the country and also has offices abroad to provide housing and finance solutions to Non-resident Indians and people of Indian origin. With focus on customer satisfaction, the company has built a reputation on values such as Trust, Transparency, Integrity and Professional Service.

Among the products offered by HDFC are loans for purchase and construction of land, purchase of a residential unit, home extension loans, home improvement loans and non-residential premises loans for professionals. These are complimented by flexible repayment options such as Flexible Loan Installment Plan (FLIP) and Step Up Repayment Facility (SURF).

With a strong deposits mobilization program, HDFC’s depositors have grown to more than 10,00,000 in number. It has bagged the ‘AAA’ rating for highest safety from CRISIL and ICRA for seventeen years consecutively for its Deposit products.


ERGO is a part of one the world’ leading reinsurers and risk carriers, Munich Re. The ERGO Group is a major insurance provider in Europe and employees about 50,000 people to cater to 4 crore customers across more than 30 countries.

The group was incorporated in 1997 at Düsseldorf, Germany. It is involved in various business fields of Health, Travel insurance, Life insurance, Property casualty insurance, Legal Protection and Direct insurance. ERGO provides integrated services to its customers in accordance with their individual needs through direct sales and brokers as well as through partnerships with major banks and credit institutions.

TopVision & Values


"To be the most admired insurance company that enables the continued progress of customers by being responsive to their needs."


Values such as sensitivity, excellence, ethics and dynamism enable the company to focus on its vision. Its commitment to these values enables the company to gain the trust of its customers. These values further help the company work as a team and create value for customers and business partners and employees.

TopManagement Team

HDFC ERGO’s management team consists of some of the most accomplished people in the insurance and accounting world. The experience and learning of these seasoned personnel enable the company to establish norms and draft policies that are suitable to the customers and address their insurance requirements in an effective manner. With their generous intellectual contributions, the team has successfully hoisted HDFC ERGO as a highly reputed brand in the insurance industry.

The management team consists of the following members:


Mr. Deepak S. Parekh


  • Mr. Keki M Mistry
  • Ms. Renu Sud Karnad
  • Mr. Andreas Kleiner
  • Dr. Jagdish Khattar
  • Mr. Bernhard Steinruecke
  • Mr. Mark Lammerskitten
  • Mr. Ritesh Kumar (Managing Director and Chief Executive Officer)

TopProducts & Services

HDFC ERGO has a wide product portfolio which is directed at catering to the needs and insurance requirements of the customers. The products have been designed according to the customer’s preferences and careful study and analysis of the risks involved in a particular situation. Moreover, in addition to the insurance, these products also enable the policyholder to avail tax exemption for the policy premium. Following are the insurance products offered by HDFC ERGO:

  • Motor Insurance
    • Private Car Insurance
    • Commercial Vehicles
    • Two Wheeler Insurance
  • Health Insurance
    • Health Suraksha
    • Critical Illness
  • Travel Insurance
  • Personal Accident
  • Home Insurance
  • Commercial Insurance
    • Specialty Insurance
    • Property & Misc Insurance
    • Casualty Insurance
    • Group Insurance
    • Risk Consulting Services
  • Rural Insurance
    • Gramin Suraksha Bima
    • Parivar Suraksha Bima
    • Cattle Insurance
    • Rainfall Index Insurance

TopContact Details

Corporate Office
HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri (East), Mumbai 400 059
Phone: 022 - 6638 3600

Toll free Helpline
1800 2 700 700 (accessible from any Mobile and Landline within India)
1800 226 226 (accessible from any MTNL and BSNL Lines)

Email :

Corporate Communication:

TopPrivate Car Insurance

Designed with utmost sincerity and a view to provide optimum convenience to the customers, the private car insurance policy features a number of benefits along with cashless claims and quick claim processing. The customer thus is not only able to secure the vehicle against damages but is also able to avail a complete assistance package that ensures well being both before and after the insured damage. There are also various discounts available for customers according to the age bracket they fall in. Featuring numerous benefits, the private car insurance policies available at HDFC ERGO have a lot to offer to customers.

Please visit for the policy wording.

Key benefits

HDFC ERGO has a wide network of more than 1600 authorized garages across India to ensure assistance to customers. Cashless claims can be availed by the policyholders at these authorized garages in case of damage to the vehicle. While renewing motor policy, in case the policyholder has no claims in the prior year(s) a ‘no claim’ bonus may be availed and the amount deducted from the premium amount to be paid. Discounts are also based on age and profession and membership of Automobile Association. The insurance policy can be bought and renewed conveniently through the online portal. A dedicated customer support team further ensures complete assistance to customers.


The HDFC ERGO private car insurance offers a comprehensive package providing coverage against loss or damage to the insured vehicle by an event such as an accident by external means, burglary or house breaking and theft and damage or loss due to fire, explosion, self Ignition and lightning. It also covers the vehicle against damages or loss by human acts of terrorism, riots, strikes and malicious acts. Any damage or loss of the vehicle during transit by road, rail, inland waterways and air or lift is covered by the policy. Further, damage or loss by natural calamities such earthquake, flood, storm and landslide or rockslide is also insured by the policy.

The Third Party Insurance is mandatory according to the Motor Vehicles Act, 1988 which directs that all vehicles should be insured for liability to third party which may arise due to injury or death of a third party during an accident of the vehicle. The HDFC ERGO private car policy covers not only the third party liabilities but also provide a Personal Accident cover for the owner for an amount upto Rs. 2,00,000 and covers Accidental Death and Permanent Total Disability.

Additional discounts

HDFC ERGO offers various options to avail discounts on the basis of age and profession. Policyholders aged between 36 to 45 years are offered a discount of 5 percent on the own damage section while those aged between 46 to 60 years are offered 10% discount on the same. The policyholder must submit a copy of his/her PAN card to the insurance office at the time of applying for the policy. If the policy has been bought online, the proof of age is required to be submitted at the time of claim.

Policyholders who are qualified and practicing chartered accountants can also avail a discount of 5 percent on the Own Damage section. Customers serving in the Defence and paramilitary services or those under government employment also enjoy a 5 percent discount. A government employee can be a person teaching in government recognized schools, colleges, universities and other educational institutions, employee in the department of state or central government or certified doctor registered with a government recognized Medical Council. For such discounts, the policyholders would be required to submit supporting certificate and proofs.

Add on cover

HDFC ERGO understands how much its customers care about their vehicles and the amount of energy and effort spent in analysing and investing in their dream car. Thus, the company provides its customers with the option of Add on cover which is a comprehensive insurance plan designed for optimum coverage. This enhanced coverage plan secures the policyholder against damage eventualities other than the standard coverage policy. The comprehensive coverage policy ensures minimization of out-of-pocket expenditure in addition to widening the scope of insurance.

The plans available for Add-on cover are as follows:

  • Silver Plan - Zero Depreciation Claim
  • Gold Plan -  Zero Depreciation Claim & Loss of Use / Down Time Protection
  • Emergency Assistance Add on Wordings


The personal car policy coverage has a few exclusions wherein the loss or damage incurred could have been foreseen and even avoided. These include damages due to general aging and wear and tear, depreciation, mechanical or electrical failure and damages sustained in war, mutiny or nuclear risks and outside the geographical boundary of India. The policy doesn’t cover any damages where the driver of the vehicle is under influence of liquor, alcohol or drugs or doesn’t possess a valid driving licence. Damage to tires and tubes are also excluded from the policy unless the damage has been incurred at time of the accident.

Procedure in case of an accident

In case there has been an accident, the company must immediately be informed through the customer care number 1800-2-700-700 and the policy number must be provided to register the claim. Help for towing or ambulance services can be requested if required.

After the legal formalities (if any) at the scene of accident, the vehicle if in the condition of being driven, should be taken to the nearest garage or service center. An estimate of the repair cost is made and accordingly the claim form should be filled and submitted along with the supporting documents such as a copy of the registration certificate and the Driving license of the person driving the car at the time of the accident.

Cashless claim facility can be availed if the garage or service center is a part of the HDFC ERGO network. If not, the cost of repairs will be reimbursed in form of the settlement of the insurance claim.

Documents required for submitting insurance claims

In order to file an insurance claim, the company would need certain documents in support of the claim form as proof of authenticity. The documents required depends upon the situation and the type of case the claim is being under. Following are the documents required for filing a claim under separate cases:

In case of an accident claim for loss/damage to the vehicle:

  • Duly filled and signed claim form
  • Registration Certificate (RC)
  • Driving License of the person driving at the time of the accident
  • Policy Copy
  • Original repair estimate, repair invoice and payment receipt for non-cashless claims
  • Original repair invoice for Cashless Claims

In case of loss due to theft:

  • Duly filled and signed claim form
  • Registration Certificate (RC)
  • Original Policy Copy
  • Copy of FIR (First Information Report) lodged at the nearest police station
  • All original keys
  • No Trace report confirming that the stolen vehicle is not traceable

In case of Legal Liability Claims:

  • Duly filled and signed claim form
  • Registration Certificate (RC)
  • Driving License of the person driving at the time of the accident
  • Original Policy Copy
  • Copy of FIR (First Information Report) lodged at the nearest police station
  • Any legal notice received by you
  • Vakalatnama - Authorizing us to handle the case on your behalf