#Product Offerings for Common ServiceCentre (CSC) Motor Insurance HDFC ERGO General Insurance Company Ltd. - INDIA GOOGLE ALL FARMATA


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03 November, 2018

#Product Offerings for Common ServiceCentre (CSC) Motor Insurance HDFC ERGO General Insurance Company Ltd.

Product Offerings for Common ServiceCentre (CSC)  Motor Insurance HDFC ERGO GENERAL INSURANCE

What is Motor Insurance?

“Motor” as defined under the Motor Vehicle Act is a self propelled vehicle, excluding vehicles running on rails 
Motor Insurance covers any accidental loss or damage which may result in
Creation of Liabilities
Accidental Injury / Death of Third Parties
Damage to Third Party Property
Result in a Financial Loss
Accidental Damage to own vehicles
Theft of Vehicle / Parts
Motor Insurance is PROTECTION against the accidental loss or damage to overcome the Liabilities and Financial Losses.

Type of - Motor Vehicles
Private cars

2 - wheelers

Commercial vehicles Goods carrying 

(A) ( trucks, Tempos & Pick ups etc) Trailers
(B)  Passenger carrying 

(C) (buses, taxis, Autos)

l Miscellaneous & Special type of vehicle -
D (Agricultural tractors, cranes etc)

Motor Trade
Road Transit risks 

(E)  Road Risks / Trade plate / Trade Certificate 

(F) Internal risks 
Type of  - Motor Policies
Liability Only Policy
Covers Third Party Liability for
Bodily Injury and/ or Accidental Death
Property Damage
Package Policy
Covers loss or damage to the insured vehicle, personal accident cover for
Driver and Occupants in addition to the third Party liability coverage.
Own Damage to the vehicle caused by:
Accidental External means, Burglary, House Breaking , Theft 
Fire, Explosion, Self Ignition, Lightning lTerrorism, Riots, Strikes,
Malicious Acts Transit by road, rail, inland waterways, air or lift
Earthquake, Flood, Storm, Landslide or Rockslide

Protection and removal costs
                                  lPrivate Cars:   Up to `1500/-
        Two Wheelers:   Up to `300/-
       Commercial Vehicles:   Up to `2500/- 
Personal Accident cover
Compulsory PA for Owner driver
lCovers Accidental Death and Permanent Total Disability
Optional Personal Accident cover 
l           Any Named Person other than Paid Driver and Cleaner
  Unnamed Passengers other than Paid Driver and Cleaner
         lPaid Drivers, Cleaner & Conductors  

Third party Liability

    Death / Bodily Injury to any person (occupant or non
    Damage to property
    lLegal costs and related expenses
         Only for the liability aspect – MACT  and Not covered for criminal proceeding

Limits for Legal Liability
    Unlimited for death &/or bodily injury
            For property damage
                 lLimit for Private Car / Commercial Vehicles -  7.5 Lakh 
                                  lTwo Wheeler is ` 1 Lakh 
vedio link 

Legal Liability to Paid Driver, Cleaner, Conductor (All Classes)
Legal Liability to Employees of Insured (other than driver, cleaner,
conductor) who may be travelling / driving the Car (PVT Cars)
Legal Liability to persons employed in connection with  the
Operation / Maintaining /Loading/Unloading (GCV’s)
lLegal Liability to Paid Driver and / or Conductor and / or Cleaner in
connection with the operation of Motor Vehicle (PCV’s) 

Add on
    lZero depreciation

   lLoss of use

 No claim bonus protection

   lEmergency Assistance

    Engine & gear box protector

 Cost of consumables

 Return to Invoice

Rating Parameters
§Insured Declared Value


§Age of the vehicle


§Depreciation Schedule for IDV

§Fuel type
Vehicle Age
% of Depreciation
Vehicle Age
% of Depreciation
Not exceeding  6 months
Exceeding 2 years  but not exceeding  3 years
Exceeding 6 months but not exceeding 1 year
Exceeding 3 years  but not exceeding  4 years
Exceeding 1 year  but not exceeding  2 years
Exceeding 4 years  but not exceeding  5 years

§NCB slabs are 20%,25%,35%,45%,50% for no claims made by 

the insured in the last consecutive 1, 2 ,3,4,5 years respectively

§In the event of claim made last year NCB status stands at 0%.
Gross Vehicle Weight (GVW) / Licensed Carrying Capacity (LCC)  as applicable for commercial vehicles

HDFC ERGO General Insurance Company Ltd.

claim video link:  https://youtu.be/M0vvRoLRPRQ
download Certificate-
You all are pass your Rap insurance exam kindly revert on this mail for general insurance training.  helping no:9599369112  time:9:30  to 6:00
Motor comprehensive insurance                                            8%(O.D part)+20 rupes
Motor Third party insurance                                                 per policy rs.47 +20 rupes (tentative)
Fire & Allied Perils Dwelling Insurance                                          8%
 Personal Accident Insurance                                                         12%                                                        

please find ppt

Kindly revert on this mail Id


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