HDFC Ergo Car Insurance Covers
In addition to Third Party Liability cover, HDFC Ergo Car Insurance may be covering various other things. There are HDFC Ergo Car Insurance Terms and Conditions, under which HDFC Ergo Car Insurance covers are active. Premium of the policy depends on what is covered in HDFC Ergo Car Insurance. This policy provides personal accident cover for owner and driver of the car. The maximum limit of personal accident cover for owner/ driver in this policy is ₹ 200000. HDFC Ergo Car Insurance provides personal accident cover for co-passenger present in the car at the time of accident. Personal Accident cover is an insurance cover wherein, in the event of the insured person sustaining bodily injuries resulting solely and directly from an accident, resulting into death or disablement. In such case, company pays the amount stated in the policy to the insured, depending on extent of the injury. Some policies also provide an option to provide personal accident cover for named and unnamed passengers as well as the paid driver. Some car insurance plans also provide Medical cover, in which the company pays the medical expenses that you incur, while recovering from the injury caused due to car accident.HDFC Ergo Car Insurance does not provide medical cover.
Cover for Accessories
Some car insurance policies also provide cover for accessories, not fitted by car manufacturer, in the car. The accessories are classified in two types, Electrical accessories and Non-electrical accessories. For some plans the cover for Electrical and Non-electrical accessories is present as an add-on option. HDFC Ergo Car Insurance provides optional cover for the electrical accessories.Some cars have CNG kit installed in them. HDFC Ergo Car Insurance does not provide cover for the CNG kit.