Never take HDFC Ergo car or motor insurance, they will be never give you your claims when you have damages to the vehicle. The company is bogus and I have already lodged a complaint in the consumer court. Hope to get a justice from the consumer court. But please do not buy from this company.
They rejected my claim stating that the damages are old in nature. when I live near to the sea area with in 2 all the car or motos part which are exposed to air get rusted in 2-3 days. However, they are just cheaters they charged 7000 rupees from my policy.