Call Us : 9324088012 / 7208921216

1) What are the Features and Benefits of Private Car Insurance?

1. Two wheeler Package Policy
2. Private Car Package Policy
3. Commercial Vehicle Package Policy
4. Liability Only Policies
(Applicable for all types of vehicles)
5. Motor Trade Policy wordings
(i) Standard Form for Motor Trade Package Policies
(ii) Motor Trade Internal Risk
6. India Motor Tariff (IMT) Endorsements
7. OIC Endorsements: New Endorsements for Add-On Covers for Motor Package Policy
8. Alternative Car Benefit Endorsement (Only for Private Car)

Comprehensive cover for your vehicle with 1600+ authorised network garages across India

1) What are the Features and Benefits of Private Car Insurance?
Secure your prized vehicles with the Saraswati Private Car Insurance Package Policy. You can avail a host of discounts and cashless claims. Here are some of the features of the policy:
• Cashless Claim Service: Cashless Claim Service over 1600+ authorized network of garages across India.
• Discounts: Benefit from a range of discounts offered on the HDFC ERGO Private Cars Insurance policy, such as Automobile Association Discount and discounts based on age and profession.
• Online convenience: Take maximum advantage of buying and renewing the policy online.

2) What coverage does Saraswati Private Cars Insurance policy offer?

Here are the details regarding the coverage that the package Motor Insurance policy offers: The policy covers loss or damage caused to your vehicle by any one of the following events:
• Accident by external means
• Burglary, housebreaking or theft
• Fire, explosion, self ignition, lightning
• Terrorism, riots, strikes, malicious acts
• Transit by road, rail, inland waterways, air or lift
• Earthquake, flood, storm, landslide or rockslide
Liability to Third Parties: The policy would also cover any legal liability arising out of injury to or death of a third party and property damage of a third party in case of an accident involving your vehicle. Personal Accident Cover for Owner-Driver: The policy also provides compulsory personal accident cover for owner-driver for an amount of Rs. 2 lakh in case of accidental death and permanent total disability. Insured Declared Value: The Insured Declared Value for your vehicle would depend on the manufacturer’s listed selling price less depreciation for each year. The IDV would be the maximum amount payable in the event of a claim for total loss / constructive total loss. Premium: The premium for a package Motor Insurance policy would depend on the following.
• Sum insured / Insured's Declared Value (IDV)
• Age of the vehicle
• Place of registration
• Fuel type (Petrol / Diesel)
You can also choose to opt for a variety of covers on payment of additional premium as listed below:
• Electrical / non-electrical items can be insured separately
• Personal accident cover for named / unnamed passengers
• Personal accident cover for paid driver / employee
• Legal liability for paid driver in connection with the operation of the insured vehicle

3) What are the exclusions on the Saraswati Private Cars Insurance policy?

The following are the exclusions on the policy that you should note**.
• General ageing, wear and tear
• Damage by a person driving without a valid driving license
• Mechanical or electrical breakdown, failure
• Damage by a person driving under the influence of liquor / alcohol / drugs
• Depreciation, any consequential loss
• Loss / damage attributable to war / mutiny / nuclear risks
• Damage to tyres / tubes, unless damaged in an accident
• Loss / damage, outside India

4) What is the claims procedure for the HDFC ERGO Private Cars Insurance policy?

In the event of any claim, call HDFC ERGO's toll free helpline no. 1800-2-700-700 and register your claim at the earliest. Once you provide your policy number as reference and register the claim, follow the procedure as below:
• Request for help with towing / ambulance services (if required) and claim formalities
• If the vehicle can be driven, take it to the nearest dealer / garage
• Get a repair estimate, fill up the claim form and attach a copy of the Registration Certificate and license of the person driving the vehicle at the time of the accident
• Avail of the 'Cashless Claims' facility in a garage within our network. However, if the garage is outside the purview of our network, you will have to get the claim reimbursed subsequently
• Pay for non-accident related repairs, depreciation and a small deductible.
• Sign the repairer’s satisfaction voucher.
The Claim form and other documents related to the nature of loss can be collected from you by HDFC ERGO personnel. Alternatively, you may send them to HDFC ERGO Claims Processing Cell at the following address: HDFC ERGO General Insurance Company Limited 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri – East, Mumbai- 400 059, India The documents required to process the claim are as follows: In case of an Accident:
• 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 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 a Legal Liability Claim:
• 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
• Legal notice (if any received by you)
• Vakalatnama – authorising us to handle the case on your behalf