IRDAI product register · general insurance
HDFC ERGO General Insurance Policy Wordings
IRDAI's non-life product register lists 28 HDFC ERGO products and 65 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Liability · Cyber · Credit and political risk · Event and cancellation · Motor · Crop and rural · Specialty: title, warranty, drones and more
Fire and property (3)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Inherent Defect Insurance Policy | IRDAN125P0002V01201718 | 1 Sep 2017 | Wording |
| Sign Board Insurance Policy | IRDAN125RP0015V01202223 | 12 Apr 2022 | Wording |
| Solar Energy Shortfall Insurance Policy | IRDAN125P0003V01201718 | 27 Oct 2017 | Wording |
Shop, office, home and business packages (5)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Business Suraksha Plus | IRDAN125P0001V01201617 | 31 May 2016 | Wording |
| e@Secure Insurance | IRDAN125P0003V01201819 | 30 Jul 2018 | Wording |
| Home Insurance- Multi Year Policy | IRDAN125RP0017V02201415 | 12 Apr 2021 | Wording |
| Home Shield Insurance | IRDAN125P0001V01201718 | 6 Apr 2017 | Wording |
| Terrorism Suraksha Plus | IRDAN125P0005V01201718 | 22 Mar 2018 | Wording |
Liability (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Commercial General Liability Insurance | IRDAN125RP0001V03200607 | 22 Apr 2021 | Wording |
| Contaminated Product Insurance Policy | IRDAN125CP0002V01201920 | 24 May 2019 | Wording |
Cyber (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| HDFC ERGO Cyber Sachet Insurance | IRDAN125RP0026V01202122 | 6 Oct 2021 | Wording |
Credit and political risk (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Political Risk Insurance Policy | IRDAN125P0002V01201617 | 21 Jul 2016 | Wording |
| Trade Credit Insurance Policy | IRDAN125P0004V01201617 | 24 Oct 2016 | Wording |
Event and cancellation (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Ticket Cancellation Insurance | IRDAN125P0004V01201718 | 16 Nov 2017 | Wording |
Motor (10)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN125RP0010V01201819 | 28 Dec 2018 | Wording |
| Motor Insurance - Private Car Liability Only - 3 years | IRDAN125RP0004V01201819 | 30 Aug 2018 | Wording |
| Motor Insurance - Two Wheeler Liability Only - 5 years | IRDAN125RP0005V01201819 | 30 Aug 2018 | Wording |
| Motor Insurance - Two Wheeler Package Policy - 5 years | IRDAN125RP0007V01201819 | 30 Aug 2018 | Wording |
Motor Insurance - Two Wheeler Policy - Bundled7 add-ons
| IRDAN125RP0009V01201819 | 30 Aug 2018 | Wording |
| Private Car Package Policy - 3 years | IRDAN125RP0006V01201819 | 30 Aug 2018 | Wording |
| Private Car Policy - Bundled | IRDAN125RP0008V01201819 | 30 Aug 2018 | Wording |
Standalone Motor Own Damage Cover - Private Cars14 add-ons
| IRDAN125RP0001V01201920 | 22 Aug 2019 | Wording |
Standalone Motor Own Damage Cover - Two Wheeler12 add-ons
| IRDAN125RP0002V01201920 | 22 Aug 2019 | Wording |
| Zero Depreciation Claim for Long Term Two Wheeler Package Policy | IRDAN125P0001V01201516 | 3 Jan 2017 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| HDFC ERGO Pradhan Mantri Fasal Bima Yojana Policy ( PMFBY) | IRDAN125P0003V01201617 | 16 Sep 2016 | Wording |
| Restructured Weather Based Crop Insurance Scheme (RWBCIS) | IRDAN125P0005V01201617 | 24 Mar 2017 | Wording |
Specialty: title, warranty, drones and more (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Solar Panel Warranty Insurance | IRDAN125P0002V01201819 | 23 Jul 2018 | Wording |
| Title Insurance | IRDAN125P0001V01201819 | 4 May 2018 | Wording |
Add-ons filed on their own (29)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Accidental Damage | IRDAN125RP0003V01202021/A0017V01202223 | 29 Apr 2022 | Wording |
| Accidental Damage | IRDAN125RP0001V01202021/A0017V01202122 | 24 Aug 2021 | Wording |
| Accidental Damage | IRDAN125RP0002V01202021/A0020V01202122 | 24 Aug 2021 | Wording |
| Accidental Hospitalization of Domestic Staff | IRDAN125RP0003V01202021/A0028V01202122 | 12 Oct 2021 | Wording |
| Brand and Label Clause | IRDAN125RP0001V01202021/A0029V01202223 | 27 May 2022 | Wording |
| Brand and Label Clause | IRDAN125RP0002V01202021/A0023V01202223 | 27 May 2022 | Wording |
| Contract Works | IRDAN125RP0001V01202021/A0027V01202223 | 27 May 2022 | Wording |
| Contract Works | IRDAN125RP0002V01202021/A0021V01202223 | 27 May 2022 | Wording |
| Dynamo Clause | IRDAN125RP0001V01202021/A0030V01202223 | 27 May 2022 | Wording |
| Dynamo Clause | IRDAN125RP0002V01202021/A0024V01202223 | 27 May 2022 | Wording |
| Dynamo Clause | IRDAN125RP0003V01202021/A0018V01202223 | 29 Apr 2022 | Wording |
| Emergency Assistance Cover | IRDAN125RP0013V01202122/A0007V01202223 | 1 Apr 2022 | Wording |
| EMI Protector | IRDAN125RP0013V01202122/A0006V01202223 | 1 Apr 2022 | Wording |
| Escalation | IRDAN125RP0001V01202021/A0028V01202223 | 27 May 2022 | Wording |
| Escalation | IRDAN125RP0002V01202021/A0022V01202223 | 27 May 2022 | Wording |
| Extra Expenses | IRDAN125RP0001V01202021/A0019V01202122 | 24 Aug 2021 | Wording |
| Extra Expenses | IRDAN125RP0002V01202021/A0022V01202122 | 24 Aug 2021 | Wording |
| Hardship Allowance | IRDAN125RP0003V01202021/A0027V01202122 | 12 Oct 2021 | Wording |
| Higher Protection and Removal Costs | IRDAN125RP0013V01202122/A0005V01202223 | 1 Apr 2022 | Wording |
| Involuntary Betterment | IRDAN125RP0001V01202021/A0025V01202223 | 27 May 2022 | Wording |
| Involuntary Betterment | IRDAN125RP0002V01202021/A0019V01202223 | 27 May 2022 | Wording |
| Loss Minimization | IRDAN125RP0001V01202021/A0018V01202122 | 24 Aug 2021 | Wording |
| Loss Minimization | IRDAN125RP0002V01202021/A0021V01202122 | 24 Aug 2021 | Wording |
| Loss of Personal Belongings | IRDAN125RP0001V02201415/A0023V01202122 | 15 Sep 2021 | Wording |
| Loss of Rent and Additional Expense of Rent for Alternative Acccomodation | IRDAN125RP0002V01202021/A0020V01202223 | 27 May 2022 | Wording |
| Loss of Rent and Additional Expense of Rent for Alternative Accommodation | IRDAN125RP0001V01202021/A0026V01202223 | 27 May 2022 | Wording |
| Multi Vehicle Discount | IRDAN125RP0013V01202122/A0004V01202223 | 1 Apr 2022 | Wording |
| Tenants Liability | IRDAN125RP0003V01202021/A0016V01202223 | 29 Apr 2022 | Wording |
| Tyre Secure For Private Car | IRDAN125RP0001V02201415/A0027V01201920 | 5 Sep 2019 | Wording |
Names in the register
IRDAI registration number 125. Filed as: HDFC ERGO General Insurance Co. Ltd.(IRDA Reg. No. 125); HDFC ERGO General Insurance Co. Ltd.; HDFC ERGO General Insurance Company Limited; HDFC ERGO General Insurance Co. Ltd. Its claim settlement, solvency and market share figures: HDFC ERGO profile.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find HDFC ERGO policy wordings?
Above: every HDFC ERGO product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many HDFC ERGO general insurance products are in IRDAI's register?
28 products and 65 add-ons, approved 2016 to 2022.
Which lines of cover does HDFC ERGO file most?
By number of products in the register: motor 10, shop, office, home and business packages 5, fire and property 3, liability 2.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.