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HDFC Ergo Liability Policy
HDFC Ergo Liability Policy




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About HDFC Ergo Liability Policy

1 Details
1.1 Incurred Claims Ratio
1.1.1 Incurred Claims ratio
About Magma HDI..
78.60 %
Rank: 10 (Overall)
About National Liability Policy
1.1.2 Incurred Claims Ratio (2013-14)
About Magma HDI..
78.60 %
Rank: 10 (Overall)
About National Liability Policy
1.2 Policy Status
In-Force
1.3 Online
1.3.1 Buy
All Liability Policy Two Wheeler Insurance have it !
1.3.2 Renew
All Liability Policy Two Wheeler Insurance have it !
1.4 Type of Plan
Third Party Liability Policy
1.5 Depreciation For Fixing IDV
1.5.1 Less Than 6 Months
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
1.5.2 6 Months to 1 Year
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
1.5.3 1 Year to 2 Years
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
1.5.4 2 Years to 3 Years
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
1.5.5 3 Years to 4 Years
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
1.5.6 4 Years to 5 Years
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
2 Covers
2.1 Personal Accident Cover
All Liability Policy Two Wheeler Insurance have it !
2.2 Death
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
2.2.1 Sum Insured
About Bharati A..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.3 Loss Of 2 Limbs
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
2.3.1 Sum Insured
About Reliance ..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.4 Loss Of Sight Of Both Eyes
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
2.4.1 Sum Insured
About Reliance ..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
ADD ⊕
2.5 Loss Of 1 Limb and Sight Of 1 Eye
About Shriram G..
Not Available
Rank: N/A (Overall)
About National Liability Policy
ADD ⊕
2.5.1 Sum Insured
About Reliance ..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.6 Loss Of 1 Limb
About HDFC Ergo..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
ADD ⊕
2.6.1 Sum Insured
About Reliance ..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.7 Loss Of Sight of 1 Eye
About HDFC Ergo..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
ADD ⊕
2.7.1 Sum Insured
About Reliance ..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.8 Permanent Total Disablement
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
2.8.1 Sum Insured
About Bharati A..
Not Available
Rank: N/A (Overall)
About Reliance General Two Wheeler Insurance
2.9 Total Liability of Insurer
About Bajaj All..
₹ 100000
Rank: 1 (Overall)
About Bajaj Allianz Two Wheeler Insurance
2.10 Third Party Liability
All Liability Policy Two Wheeler Insurance have it !
3 Claims
3.1 24 x 7 Claim Support
3.1.1 Contact Number
18002700700
3.1.2 Track Online
No Liability Policy Two Wheeler Insurance has it !
3.2 Cashless Garages
50% Liability Policy Two Wheeler Insurance have it !
3.3 Garage Cash
50% Liability Policy Two Wheeler Insurance have it !
3.4 Claim Settlement Duration
About Magma HDI..
Not Available
Rank: N/A (Overall)
About Bharati AXA Two Wheeler Insurance
ADD ⊕
3.5 Documents Required
3.5.1 Theft Claims
Not Applicable
3.5.2 Third Party Claims
Claim Form dully signed, Copy of Driving License, Police Panchnama/ FIR, RC Copy of the Vehicle
3.5.3 Accidental Claims
Not Applicable
4 Discounts
4.1 No Claim Bonus
75% Liability Policy Two Wheeler Insurance have it !
4.1.1 1 Claim Free Year
About Bajaj All..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
4.1.2 2 Claim Free Year
About Bajaj All..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
4.1.3 3 Claim Free Year
About Bajaj All..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
4.1.4 4 Claim Free Year
About Bajaj All..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
4.1.5 5 Claim Free Year
About Bajaj All..
Not Available
Rank: N/A (Overall)
About Bajaj Allianz Two Wheeler Insurance
4.2 Automobile Association's Member
No Liability Policy Two Wheeler Insurance has it !
4.3 ARAI Anti Theft Device
No Liability Policy Two Wheeler Insurance has it !
4.4 Blind / Handicapped Persons
No Liability Policy Two Wheeler Insurance has it !
4.5 Voluntary Discount
No Liability Policy Two Wheeler Insurance has it !
5 Terms
5.1 Depreciation
5.1.1 Rubber/ Nylon/ Plastic Parts/ Tyres and Tubes/ Batteries
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
5.1.2 Fiber Glass Components
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
5.1.3 Glass Components
About Shriram G..
Not Available
Rank: N/A (Overall)
About Shriram General Two Wheeler Insurance
5.2 Inclusions
5.2.1 Natural
Not Applicable
5.2.2 Man-Made
Not Applicable
5.3 Deductibles
5.3.1 Voluntary
No Liability Policy Two Wheeler Insurance has it !
5.3.2 Compulsory
No Liability Policy Two Wheeler Insurance has it !

Covers under HDFC Ergo

What are the covers under HDFC Ergo? This plan protects the driver/ policy holder against injuries or death occurring due to an accident. In the unfortunate event of death of the driver/ policy holder due to an accident, no compensation is provided. Sometimes compensation is also paid for loss of limbs and/ or loss of sight. Total liability borne by the insurer is of ₹ 100000. The plan also provides cover against third party liability.

Claim Assistance

Most insurance companies offer 24x7 claim assistance. Main part of claim assistance is cashless garages. HDFC Ergo Liability Policy has the facility of cashless garages. One cannot keep an online track about HDFC Ergo Liability Policy claim status. While making claims, different types of documents are required. Some of them include: a copy of the insurance policy, FIR in case of theft claims, copy of driving license, copy of registration book, etc.

Depreciation is considered by all two wheeler insurance plans on various accessories of a vehicle. It depends on the material of the accessory that is damages. As mentioned in HDFC Ergo Liability Policy terms, for all the parts made of rubber, nylon or plastic, 50% depreciation is considered and so is for tyres, tubes and batteries of a vehicle. Fiber glass components are depreciated by 30% but glass components are not depreciated at all. Some insurance plans also consider depreciation if the vehicle has wooden parts which is mentioned in the brochure/ policy wordings.

Policy Status

Policy status of HDFC Ergo Liability Policy is In-Force. That is, you can buy this policy at present time. Incurred claims ratio for insurance provider of this plan is 78.60 %. This mentioned figure is as published by IRDA for the year 2014-15. Incurred claims ratio is a measure of claims settled by the insurance provider. It is a ratio of money spent on claim settlement to money earned through premiums by the insurer.

Discounts Offered by HDFC Ergo

Insurance companies offer discounts on premium based on multiple factors. Many insurers also provide discounts if the policy holder is member of Automobile Association or if he has fitted an ARAI approved Anti Theft Device to his vehicle. This plan does not offer voluntary discount facility. Some insurance plans also offer discounts for blind/ handicapped persons. This plan does not offer any such discount.

Terms and Conditions

Terms and conditions usually include depreciations on various accessories of a vehicle. According to terms and conditions of HDFC Ergo Liability Policy, depreciations on rubber/ nylon/ plastic parts/ tyres and tubes or batteries is of Not Available. For fiber glass components, it is of Not Available and for glass components it is of Not Available. Policy holder does not have to pay any compulsory deductible under this plan.

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