Add On Covers in HDFC Ergo Car Insurance Policy-hdfc-ergo-car-insurance-2

HDFC Ergo insurance offers a wide range of add-on covers to make it easy for its policyholders to ensure extra protection both for them and their vehicles. Here’s a list of just some of the many add-on covers offered by HDFC Ergo Car Insurance: Zero Depreciation Cover – Thisadd-on cover makes it easy for policyholders to access the full claim fund without having to worry about the depreciation value of their car. Depreciation is the decrease in the total value of the car because of age and the normal wearing away that occurs to the car, over the years of usage. Down Time Protection – This is anamazingadd-on cover that offers you coverage against your expenses incurred in traveling or commuting, if your car is in the garage for a long period of time or in case you have lost the car and are waiting for a replacement. There are some limitations that apply to this add-on cover. These limitations are as follows: An amount equal to Rs.500 each day is allowed as a daily allowance for private cars. Coverage is allowed only for 5 days in case of partial loss and 15 days for theft or total loss claims. Coverage is allowed a max of 3 times for partial loss and 1 time for total loss or theft. Engine and Gearbox – This add on car insurance cover helps you protect against any damages to your engine and gear box of your covered car. The add-on covers a wide number of gearbox and engine issues arising due to waterlogging, oil leakages and accidental damages. NCB Protection – For starters,NCB stands for No Claims Bonus. This is a bonus given by the insurer each claim free year. NCB protection add on cover ensures that your NCB bonus doesn’t get lost when you need to make a claim. You can avail a maximum of up to 3 claims per policy with this add-on cover. Consumable Expense Cover – This add-on cover car covers you against any expenses that may arise due to the purchase or acquisition of consumable products that you may require in case of damage made to your car.