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HDFC which is India’s one of the biggest housing finance companies was established in 1977. In 2000, it was registered as India’s first private-sector life insurance company. The Ergo Group, on the other hand, is one of the largest insurance companies in Germany. So, when these two behemoths in their own country, decided to join hands and launch an insurance company in 2015, it was one of the biggest news in the insurance industry in India. Today, their car insurance is one of the best in the market with about a 99% claim settlement ratio. They have more than 6500 networked garages, and we at FIDATO are happy to be one of the HDFC ERGO cashless garages in Noida.
There are many reasons that this car insurance company is so loved by car owners. They have great offers and facilities that other car insurance companies don’t have. Take for example their “Overnight Car Repair Service” in which the insured car is repaired at night and is ready for you the next morning. It also has great add-ons tailored specifically for EV (Electric vehicle) car owners, which very few car insurance companies have.
For HDFC ERGO car insurance for four-wheelers, the company presents four types of insurance coverage options, accompanied by the opportunity for customers to bolster their protection with various Add-ons. HDFC ERGO's insurance offers comprehensive coverage, extending to in-transit damages incurred during transportation via inland waterways, rail, road, air, lift, and elevator. The policy safeguards against natural calamities as well as manmade events such as theft, riots, and accidents. However, it's essential to note that certain situations are excluded from coverage, including wear and tear, accidents involving drivers with invalidated licenses or under the influence of alcohol, breakdowns, and other specified scenarios. Additionally, coverage is only applicable when the policyholder is within HDFC ERGO's serviceable geographical area, similar to the availability of HDFC ERGO Cashless Garages for Car in Noida.
The HDFC ERGO Third-party car insurance policy is an essential requirement for every car owner, offering comprehensive coverage. It goes beyond mere protection of third-party property to encompass personal accidents, with coverage extending up to ₹15 lakhs. While injuries to third parties are also included, coverage for the insured vehicle itself is not provided. However, additional policies can be acquired to ensure hassle-free servicing at an HDFC ERGO cashless garage in Noida.
Comprehensive car insurance, while not obligatory, offers extensive financial support to both the vehicle and its owner. This type of coverage spans a wide array of potential damages and accidents, including natural disasters, theft, accidents, damage resulting from riots or other human-induced disasters, and more. Moreover, it provides compensation for damages to third-party property, as well as coverage for injuries and personal accidents. Additionally, policyholders can benefit from a claim bonus of up to 50%.
When considering HDFC ERGO standalone own-damage car insurance, it precisely addresses the expenses associated with damages to your vehicle. This coverage encompasses diverse situations such as road accidents or theft. An added advantage is the No Claim Bonus (NCB) granted for every claim-free year, thereby decreasing your upcoming premiums.
This car insurance is available to new car owners. Under this insurance, the insured car gets coverage for 1 year against damages done to it. Damages done to a third-party property or person are covered for 3 years under it. It covers everything from natural calamities to accidents. You can also opt for other add-ons to make the insurance all the more comprehensive.
When you drive your car, the parts naturally wear out and lose value over time. Regular insurance doesn't cover this decrease in value, so you end up paying for repairs or replacements yourself. But with zero depreciation cover, you're fully covered for the value of the parts that need fixing or replacing.
Cherish your car? Then consider buying this add-on cover to your car insurance policy and regain the full invoice value if your vehicle is stolen or completely damaged.
We all know that if we don’t claim in a year, we get an NCB bonus for our renewal. But what about if you make a claim? If you have this add-on and make a claim, you will still get your NCB bonus.
Any mechanical breakdown of the car, no matter where and when you will get assistance if you have this add-on.
When your insured car is being repaired at a networked garage, such as HDFC ERGO Cashless Garages in Noida, the Downtime Protection Cover provides an allowance to temporarily hire another car or covers transport costs for the policyholder.
This HDFC ERGO add-on covers the financial loss incurred if the belongings in your car are stolen or damaged while being transported in the insured vehicle.
As the name implies, this HDFC ERGO add-on covers the cost of repairing or replacing a damaged engine or gearbox caused by various factors, including natural disasters.
This add-on covers almost all internal parts such as nuts, bolts, washers, clips, lubricants, and A/C gas. HDFC ERGO insurance will cover the replacement or repair costs of any consumables in the insured vehicle.
With a tyre secure cover, you get scope for costs related to supplanting the tyres and tubes of the backup plan vehicle. The scope is advertised when the backup plan vehicle tyres burst, bulge, cut, or confront a cut amid a mischance. Apart from these, HDFC ERGO also offers Pay as You Drive cover. Under this cover, policyholders can enjoy benefits of up to 25% after the expiry of their policy. Beneficiaries can claim up to a 25% benefit on their damage premium upon policy renewal with HDFC ERGO. Even after the policy has expired, as long as the distance travelled is provided, car owners can claim this benefit even if they switch to a different insurer. Furthermore, if the policy is renewed with HDFC ERGO, an additional 5% discount on the premium is granted if there were no claims made in the previous policy term. So, if you hardly drive your car, this is the perfect Add-on for you.
Not only that, HDFC ERGO is one of the few car insurance companies in India that have a specific Add-on for EV vehicles. These add-ons include protection for the battery charger and accessories, coverage for the electric motor, and a unique zero depreciation claim for the battery charger. By adding these covers to their electric car insurance policies, EV owners can safeguard their vehicles from potential battery damage caused by unforeseen events such as floods or fires.
These three add-ons can seamlessly be incorporated into comprehensive or standalone damage covers. The battery can get protection against damage from fires and natural disasters like earthquakes or floods through the battery charger accessories cover. The electric motor cover ensures coverage for any damage to the EV's motor and its components. There is also the zero depreciation claim for the battery charger which will give compensation for any depreciation when replacing the battery, including the detachable battery, charger, and accessories. And of course, like other policyholders, they can take their EV to an HDFC ERGO Cashless Service Center in Noida that services EV vehicles.
At FIDATO, customers' concerns regarding repair and service costs are understood. To address these concerns, all repair work is conducted transparently at the Noida workshop. Moreover, every charge and fee, whether for repairs, servicing, or processing cashless car insurance claims, is thoroughly explained.
The goal at FIDATO is to provide top-notch auto service without straining the customer's budget.
As an HDFC ERGO cashless car service centre in Noida, FIDATO is always equipped with state-of-the-art tools and equipment for car repairs and services. This ensures accurate diagnosis of issues from the start, saving time and ensuring prompt detection of even minor car problems.
Advanced equipment is complemented by a skilled workforce. Mechanics at FIDATO are well-trained in the latest vehicle technology, as they undergo their technical training from centres located in Noida and Bangalore.
Looking for an HDFC ERGO car cashless garage in Noida? Then you will be happy to know that FIDATO is available 24/7 through its online website. Customers can easily schedule any repair or other services by filling out the online form. Car accidents can happen at any time, and FIDATO's repair services are available when needed most.
Customers need not worry about the quality of spare parts at FIDATO. Excellent spare parts are provided, with warranties offered on these components for peace of mind.
If customers are short on time and unable to bring their car to the cashless car garage in Noida, FIDATO offers a pick-up and drop-off service for their convenience, allowing them to spend more quality time with their family.
What is a cashless garage facility, and how does it benefit me as an HDFC ERGO Car Insurance policyholder?
A cashless garage facility allows you to have your car repaired without paying upfront. As an HDFC ERGO Car Insurance policyholder, this convenience ensures you don't have to bear the initial repair costs; the insurer settles the bill directly with the garage.
Are there specific cashless garages in my area where I can get my car repaired under my HDFC ERGO Car Insurance policy?
Yes, HDFC ERGO Car Insurance has a network of cashless garages, including FIDATO in Noida. The great thing about these garages is that, they offer convenient services for policyholders in their area.
How do I initiate a cashless insurance claim at an HDFC ERGO Car Insurance-authorized garage?
Contact HDFC ERGO Car Insurance's helpline or website to initiate a cashless claim. All you need to do is provide incident details, and they'll guide you through the repair process. FIDATO, one of HDFC ERGO cashless car accident garages in Noida, can assist you with this process.
What documents must I submit when making a cashless claim at an HDFC ERGO Car Insurance-affiliated garage?
Typically, you will need to provide your insurance policy details, a copy of the FIR (in case of an accident), vehicle registration number, and driver's license. Garage staff will assist you with the necessary paperwork.
Are there any special provisions or services, such as roadside assistance, offered through HDFC ERGO Car Insurance's cashless garage network?
Yes, HDFC ERGO Car Insurance may offer additional services like roadside assistance through its network of affiliated garages. FIDATO, as part of the HDFC ERGO cashless car service centre in Noida, provides such services, ensuring help during breakdowns or emergencies on the road.
Is there any additional cost involved when opting for cashless car repairs through HDFC ERGO Car Insurance?
Generally, no additional costs are levied for using the cashless garage network. Your insurance policy covers eligible repair expenses, with any applicable deductibles payable by you.
Can I choose a garage of my preference for repairs, or am I restricted to using the network of cashless garages provided by HDFC ERGO Car Insurance?
While you have the option to choose a garage of your choice, using HDFC ERGO's cashless garages ensures a smoother, cashless claims process. Opting for a non-network garage may require you to initially cover repair costs.
What is the typical turnaround time for getting my car repaired at an HDFC ERGO Car Insurance cashless garage?
Repair times can vary based on the extent of damage, but HDFC ERGO Car Insurance aims for efficient service to get you back on the road as soon as possible. Opting for repairs at any of the authorized HDFC ERGO Cashless Service Centres in Noida or elsewhere typically speeds up the claim process compared to non-network garages.
