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  • Compare Car Insurance

HDFC ERGO Car Insurance Policy Comparison

Why compare different car insurance policies?

Comparison has become an inevitable practise these days. Even when you wish to go on a vacation; you compare places and their highlights to shortlist the best destination. Similarly, car insurance comparison is also a fittest way to find out the right cover for your beloved car. It helps in showcasing the uniqueness of each policy, making it easier for you to make an informed investment decision for securing your car in the long term. Every policy has its own set of offerings, it’s important to look out for a plan which offers comprehensive cover for insuring maximum loss caused due to uncertainties. Comparing can insurance plans would help you in finding out the difference between policies and choose a plan suiting your budget and requirement.

How to compare car insurance policies?

Comparing car insurance plans is probably the best way to shortlist the right policy for your car. In a large perspective, car insurance policies with HDFC ERGO are divided into two broad prospects, comprehensive cover and third party liability. Let’s understand the benefits offered by both these policies to pick the right cover for your car.


Comprehensive Cover

Third Party Liability

Covers damage of insured vehicle

Covers damage caused to third party person or property

Covers third party liability

Does not cover damages caused to your vehicle

Covers damages caused due to natural calamities

Does not cover damages caused due to natural calamities

Offers Personal accident cover

Covers personal accident cover to the third party person only

Covers loss due to theft or burglary

Does not loss due to theft or burglary

Allows you to add optional covers for widening the coverage

Does not allow you to add optional covers


Why choose HDFC ERGO Car Insurance?

  • Quick approval for claim
    Estimated approval for claim within 24 hours, of vehicle reaching garage
  • Buy online for added convenience
    Wherever you go, get your vehicle covered on your fingertips
  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2 700 700 or write an e-mail to:

  • Trusted by Millions
    With over 75 lac happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.
  • Fair and transparent claim settlement policies
    With our in-house claims team, HDFC ERGO Motor Insurance claims are settled with utmost transparency

Car Insurance FAQs

  • What is third party car insurance?
    Third Party Liability motor Insurance policy that covers your legal liabilities towards third parties for injuries, permanent total disability, death and property damage arising due to any accident involving your vehicle.
  • What is commercial car insurance?
    Commercial vehicle insurance protects your business from a financial loss arising out of accidental loss or damage to your vehicle, your legal liability towards third parties for personal injury, death and property damage on account of any accident involving your vehicle. Commercial Vehicles across the various classes of vehicles like Goods Carrying Vehicles both Private and Public Carrier, Trailers, Passenger Carrying Vehicles, Miscellaneous and Special Types of vehicles – Mobile Rig, Shovels, Grabs, Tractor, Excavator etc.
  • How to buy car insurance?
    Buying car insurance is an easy and quick process. Click here and enter your vehicle details, calculate premium, make instant payment and download the policy copy instantly.
  • How to compare car renewal insurance?
    For comparing car renewal insurance, you may read about the policy offerings, compare quotes and renew your insurance online, instantly.
  • How to claim car insurance?
    To read more about the claim processes click here and file your claim seamlessly.
  • What is zero depreciation car insurance policies?
    Zero depreciation car insurance cover provides you the benefits against the depreciation on parts at the time of a partial loss claim. To read more about car add on covers click here.
  • How to calculate and compare car insurance cover?
    By simply entering your vehicle registration details you can calculate premium and compare quotes of different policies online.
  • What is IDV and how is it calculated?
    IDV refers to the insured declared value of a vehicle as per the market, however for a vehicle above 5 years it is calculated with mutual agreement. IDV is calculated considering various factors such as brand, model, condition and age of the vehicle.

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