Every journey carries an element of uncertainty, and vehicle insurance is the shield that stands between you and the unexpected. Whether it's a fender-bender in peak traffic or a natural calamity that catches you off guard, the right policy ensures you're never left stranded financially. ELS ERGO's vehicle insurance covers cars, bikes, scooters, and electric vehicles against accidents, theft, fire, natural disasters, and third-party liabilities — all at a competitive premium. Secure your vehicle today and drive with complete peace of mind.
Premiums need not burn a hole in your pocket. Enjoy substantial discounts every time you renew or purchase a new vehicle insurance policy with us.
Our expansive garage network ensures you're never far from quality repairs — no matter which road you take or which city you're in.
Skip the paperwork and the middlemen. Buy or renew your vehicle insurance directly from us — in minutes, entirely online.
Day or night, rain or shine — our support team is always on standby to assist you with queries, claims, or anything in between.
Accidents don't follow a calendar, and neither do we. File as many legitimate claims as you need throughout the policy year — no caps, no restrictions.
Driving safely has its rewards. Accumulate a No Claim Bonus of up to 50% on your premium every year you stay claim-free.
Any damage or financial loss arising from a road accident is fully covered, letting you focus on recovery rather than repair bills.
Should your vehicle be stolen, our policy ensures the financial loss is covered so you aren't left without recourse.
Damage from an unexpected fire or explosion is covered under the policy, ensuring your finances remain protected even in worst-case scenarios.
Floods, earthquakes, cyclones — losses from natural disasters are covered, so unpredictable events don't derail your finances.
A compulsory personal accident cover protects you against medical expenses or loss of income in the event of an accident-related injury.
Bodily injury or property damage caused to a third party is covered, shielding you from unexpected legal and financial obligations.
Routine wear and tear and the natural depreciation of your vehicle's value over time fall outside the scope of the policy.
Internal mechanical or electrical failures that arise from normal use are not covered under a standard vehicle insurance policy.
Claims arising from driving without a valid licence or under the influence of alcohol or controlled substances will not be entertained.
Kick things off in seconds — just plug in your vehicle's registration number.
Can't auto-fetch your details? Just share the make, model, variant, year, and city.
Add your existing policy info and No Claim Bonus status.
That's it — your personalised vehicle insurance quote is ready.
An individual vehicle insurance policy covers a single vehicle and provides financial protection against a wide range of risks — from accidents and theft to fire and natural calamities. It also includes mandatory third-party liability cover and an optional personal accident component for the owner-driver. Premium is calculated based on vehicle type, age, engine capacity, location, and add-ons selected.
Fleet insurance provides a consolidated cover for multiple vehicles under a single policy, typically purchased by businesses or organisations. It simplifies administration, often reduces per-vehicle cost, and ensures every vehicle in the fleet is protected against accidental damage, theft, and third-party liabilities — all managed through a single renewal cycle.
Once your policy is in place, leave the claim-related complexity to us. Here's all you need to do:
Upload your documents online in seconds. No queues, no physical paperwork — just a few taps to get started.
Choose a self-inspection or schedule a digital survey by one of our trained assessors or workshop partners.
Stay updated in real time using our AI-powered claim tracker — know exactly where your claim stands at every stage.
Sit back while we approve and settle your claim through our extensive cashless garage network.
As your vehicle ages, depreciation reduces your claim payout. This add-on eliminates that deduction entirely, ensuring you receive the full cost of replacement parts without any depreciation cut.
In the event of total loss or theft, this add-on bridges the gap between your vehicle's Insured Declared Value and its original invoice price — including road tax and registration charges.
A single unavoidable claim shouldn't wipe out years of accumulated No Claim Bonus. This add-on preserves your NCB slab even after filing a claim, carrying your discount forward to the next policy year.
Your engine is the heart of your car — give it the protection it deserves. This add-on covers the cost of repairing or replacing a damaged engine or gearbox, expenses not included in a standard policy.
Breakdowns don't keep office hours. This 24×7 add-on covers towing, flat tyre assistance, emergency fuel delivery, and more — wherever you happen to be.
While your car is being repaired, your daily commute doesn't stop. This add-on compensates you with either alternate transport or a daily cash allowance to cover your travel expenses during the repair period.
Your premium isn't just a number — it's calculated based on a combination of factors specific to you and your vehicle. Here are the primary ones that influence what you pay:
Older vehicles tend to attract higher premiums because their parts are more expensive to source and the risk of mechanical failure is greater. The vehicle's age directly influences its Insured Declared Value and therefore the premium calculation.
The make, model, and segment of your vehicle play a significant role. A high-end luxury car will command a higher premium than an entry-level hatchback, owing to the difference in repair costs and replacement part prices.
Vehicles with engines above 1500cc are classified in a higher premium bracket. Similarly, the choice of fuel — petrol, diesel, CNG, or electric — affects the third-party premium component as defined by regulatory guidelines.
Your city and locality influence the risk profile of your vehicle. Areas with higher traffic density, greater theft incidence, or more frequent natural calamities typically result in a higher premium than low-risk residential zones.
Filing a claim can feel daunting — but with ELS ERGO, it doesn't have to be. Here's why thousands of customers trust us when it matters most:
80% of car claims settled within the same day of receipt
We know how disruptive a claim event can be, which is why we've engineered our process to resolve 80% of all car claims within one working day of receiving complete documentation.
No limit on the number of claims you can make
Unlike policies that cap the number of claims per year, we let you file as often as you need — for both cars and two-wheelers — without fear of rejection due to frequency alone.
Rated iAAA — the highest claims-paying ability
ICRA's iAAA rating is not something we gave ourselves — it's an independent recognition of our financial strength and our consistent ability to honour every valid claim.
AI-powered claim tracking tool
Once you register a claim, our intelligent tracking tool lets you monitor its progress at every stage — no phone calls required, no wondering where things stand.
Fully paperless, smartphone-enabled claims
From video-based damage inspection to guided digital submission, our entire claims process runs on your smartphone — no physical documents, no branch visits, no unnecessary delays.
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With over 9,000 partner garages across India, hassle-free cashless repairs are always within reach. Search by city or PIN code to locate the nearest authorised garage.
Excellence in Insurance Award
Order of Merit Recognition
Best Customer Experience Award
Insurance Industry Recognition
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