HDFC ERGO Private Car Package Policy

Under this Add-on the company pays the full claim without any deduction for depreciation in the event of an accident. (Excludes Tyres and Batteries)

Under this Add-on policy the company will pay the cost of alternate means of transport for Private Vehicles up to Rs. 500/- per day, in the event of any damage. This coverage may be availed up to three times for any partial loss and once for a total loss / theft claim during the policy period.

The Coverage is further limited for the number of days till the insured vehicle is repaired or replaced or the company offers the settlement amount, up to 5 days for partial loss or up to 15 days for total loss, whichever is earlier subject to a time deductible of 24 hours. This is admissible only when the base claim is admissible.

Under this Add-on the company covers consequential damages to the internal child parts of the engine and /or gearbox of the insured vehicle, arising out of:

1. Water ingression
2. Leakage of lubricating oil and/or damage to engine and/or gear box of the Insured Vehicle arising out of lubricating oil due to accidental means.

Under this cover, the company will compensate the Insured for the following:
1) Repair or replacement of the internal child parts of the engine such as pistons, piston rings, piston pins, connecting rods, crank shaft, valves, valve seat / guides, nuts & bolts related to engine assembly, engine oil, gasket, sealant and cylinder head.
2) Repair or replacement of the internal parts of the gearbox such as gears or shafts in the gear box housing, bearings, gear oil & gaskets.
3) Labour cost incurred by the Insured to overhaul the damaged engine and/or gearbox.
4) Engine cylinder re-boring, compression tests & other machining charges.

Specific Conditions:

Claims under this cover would be admissible if:
1) There is an evidence that the Insured Vehicle stopped in a water logged area resulting in damage to the internal parts of the engine and/or gear box due to water ingression.
2) There is an evidence of under carriage damage to engine and/or gear box leading to oil leakage and resulting into damage to the internal parts of the engine and/or gear box.

Your Obligations:

1) The Insured should not try to crank or push start the engine once the Insured Vehicle has stopped in the water logged area or undercarriage is damaged.
2) Call our toll-free no. to arrange for spot survey. The Insured vehicle should not to be shifted till the survey is done

Specific Exclusions:

The Company will not be liable to indemnify the Insured for the following:

1) Where a loss is covered under any manufacturer’s warranty or recall campaign or under any other such package at the same time.
2) Any consequential loss apart from the damage to the internal child parts of the engine and/or gear box due to water ingression, leakage of lubricating oil and/or damage to engine and/or gear box arising out of leakage of lubricating oil due to Accidental means.
3) Loss or damage including corrosion of engine and/or gear box due to delay in intimation to the Insurer or delay in retrieval of the Insured Vehicle from the water logged area.

Under this Add-on the Insured will retain the “No Claim Bonus” earned on the policy regardless of a claim on the Insured vehicle under the following events.

• Damage to only Windshield Glass by External Object
• Loss due to accidental external means to Parked Vehicle
• Loss due to Flood/earthquake/AOG perils to a Parked Vehicle

Under this Add-on, the company will pay for the consumable items such as nut, bolt, screw, washers, grease, coolants, lubricants, engine & other oils, clips, ac gas, bearings, battery water, filters, sealants, gaskets, etc.

Consumable Items shall mean those articles or substances which have specific uses and when applied to their respective uses are either consumed totally or are rendered unfit for continuous and permanent use.

Such Consumable Items may but not limited to include.

Specific Condition –

Claim under this section is payable only if the base of the policy is admissible and payable.

Under this Add-on in the event of Total Loss (TL) or a Constructive Total Loss(CTL), apart from the IDV, the difference between the invoice price (including the first time registration and stamp duty charges) and the IDV is payable under this add on.

Exclusions:

This covers excludes the following-
A. In case of theft stolen Insured vehicle is recovered within 90 days of theft.
B. Final investigation report in case of theft claim is not issued by police authorities

In the event of a mechanical or electrical breakdown and as long as the Insured vehicle can be repaired at the same place within a maximum time period of sixty minutes, on-site repair of the breakdown would be proceeded with. Supply of parts or replacement elements / materials in general are not included.

If keys of the Insured vehicle are lost or misplaced, the company shall arrange forwarding of duplicate set from the Insured place of residence.

In case the keys of the Insured vehicle are locked-in, the Insured as much as possible will be assisted to get keys out of the vehicle. Any breakage of glass or door beading, if required shall be with prior approval of the Insured and to their account. In case the keys are lost company shall tow the vehicle to a nearest safe place. The Insured shall have to arrange for a duplicate set on his own cost and efforts.

If the Insured vehicle does not start due to the battery being discharged, the jump-start of the battery would be arranged. Supply of parts or replacement elements / materials in general are not included.

If the Insured vehicle has a punctured or burst tyre, Company would arrange for changing it with the spare tyre carried in the Insured vehicle. In a case where spare tyre cannot be used company shall either tow the vehicle to nearest tyre repair shop or accompany the Insured to nearest tyre repair shop and back to vehicle. The Insured shall have to pay directly to the tyre repair shop.

If the Insured vehicle runs out of fuel company can deliver up to 5 litres of fuel (petrol or diesel only). Cost of fuel shall be paid by Insured on the spot.

If fuel tank of the Insured Vehicle is filled with the wrong fuel, company will bear the cost of emptying it, using a technician approved by us. In case this service is not feasible, the Insured vehicle shall be towed to the nearest location.

In the event that Insured Vehicle is immobilized due to the breakdown or accident and “On site” repair is not possible, company will arrange the towing of the Insured Vehicle to the nearest workshop or garage approved by HDFC ERGO.