HDFC ERGO General Motor Liability Only Insurance Policy

• Avail comprehensive third party insurance
• Personal Accident Cover for Owner-Driver
• Get additional cover to extend protection
• Enjoy instant policy issuance online
• Quick registration process with least documentation
• 24x7 dedicated customer support team
• Cashless claim service at 3000+ authorized garages
• Hassle free claim settlement

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs for private and commercial vehicles is payable towards personal accident cover during any one period of insurance. This coverage is available upto Rs 1 lakh on two-wheelers.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Additional Legal Liabilities: Additional legal liabilities towards Paid driver employed for operation of vehicle and Employees travelling in/driving the vehicle other than paid driver is covered.
• Personal Accident Cover: Additional personal accident cover is available for Paid Driver & Unnamed Passengers, as stated in the policy schedule.
• Bi-fuel Kit: The CNG-LPG bi-fuel kit can also be covered upon opting the add-on cover.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.