Buying a car is one of the most expensive financial decisions that a person makes in their life. And safeguarding it from different types of natural and man-made calamities is one of the significant responsibilities that come with a vehicle. Having HDFC ERGO car insurance will help you in doing the same. HDFC ERGO car insurance provides comprehensive financial protection for your four-wheeler, allowing you to secure both yourself and your car from unpleasant, unforeseen events like theft, accidents, and natural disasters.
It also allows you to strengthen the protection of your vehicle by adding numerous add-on covers to your car insurance policy. With HDFC ERGO Car Insurance, you may save up to 70% on your premiums while also having access to a network of over 8,300+ cashless garages across the country.
Types of HDFC ERGO Car Insurance
ย
Here are the different types of HDFC ERGO car insurance plans.
- Third-Party Car Insurance
Per the Motor Vehicle Act 1988, having third-party car insurance is mandatory to drive your car on Indian roads. The third-party auto insurance from HDFC ERGO protects from third-party liabilities such as accidents and property damage.
Coverages:
ย
- Personal accident
- Third-party property damage
- Injuries to a third-party person
2. Comprehensive Car Insurance
ย
HDFC ERGO’s comprehensive car insurance policy provides extensive protection by covering both third-party liability and vehicle damage. However, to enjoy these benefits without difficulty, you must do your car insurance renewal in a timely manner.
Coverages:
- Accidents
- Theft
- Personal accident cover
- Third-party liability
- Add-ons
- Natural calamities
3. Standalone Own Damage Car Insurance
ย
The coverage for your own damage is only available if your vehicle already has third-party insurance. This coverage would cover the losses caused by a natural disaster, fire, or other calamities to your vehicle. Standalone own damage cover also allows you to customise your policy with a variety of add-ons. In addition, it protects you against financial losses caused by car damage.
ย
Coverages:
ย
- Accident
- Fire
- Natural calamities
- Theft
4. Private Car Bundle Policy
ย
This plan offers 3-year coverage for damages to third-party people or property and 1-year coverage for damage to your automobile. Private automobile package policies also provide you with the option to tailor your coverage with several add-ons.
Coverages:
- Accident
- Natural calamities
- Personal accident
- Third-party liability
- Theft
- Add-ons
Advantages of HDFC ERGO Car Insurance
ย
The following are some of the benefits of purchasing HDFC ERGO car insurance:
- Simple and Quick Process
The application process for HDFC ERGO is simple and quick. You can obtain insurance within just a few minutes.
2. Affordable Premiums
With rates that start at only โน2,094, automobile insurance is both inexpensive and generous in its features.
3. Emergency Support
You may receive help with your auto insurance coverage at any moment by contacting customer service representatives.
ย
4. Cashless Claims
With over 8300 cashless garages throughout India, you may repair your car for accident damage without spending anything.
5. Overnight Repair Service
If your automobile sustains minor unintentional damage, HDFC ERGO’s overnight repair service will restore it.
Add-on Covers
ย
Following are the different types of add-ons that you can purchase along with your HDFC ERGO car insurance to extend the coverage of your policy.
ย
- Zero Depreciation
ย
You can recover the cost of fixing the vehicle’s depreciated parts with the help of the zero depreciation add-on. The optimum time to buy this popular add-on cover is if the cost of replacing the car parts is high.
2. Roadside Assistance
To aid yourself in situations requiring towing, battery jump-start, gasoline arrangements, minor repairs, alternative transportation, lodging, etc., you may purchase the roadside assistance add-on. For example, you can call the insurance for assistance if your car breaks down in the middle of the road and cannot be towed to the closest garage. The business will make sure you receive the service as soon as possible, and if necessary, the insurance will also make accommodations for you.
3. Return to Invoice
ย
The return to invoice protection insurance assures that you will receive the full on-road value of the automobile that it had at the time of purchase if it is stolen or lost.
4. Engine Protection
ย
If your engine gets damaged, this add-on will be your saviour.
ย
ย
How to Buy HDFC ERGO Car Insuranceย
ย
Here are the steps to follow to buy HDFC ERGO car insurance.
- Visit the website of HDFC ERGO
- Enter your car details
- Choose the type of coverage you want to buy
- Choose add-ons (if any)
- Pay the premium
- Your policy details will be sent to your registered mobile number
How to Calculate Car Insurance Premium
You can quickly and simply determine your auto insurance premium using an insurance premium calculator. This calculator not only saves you time and effort but also ensures that you receive the best estimates based on your needs.
Enter your vehicle’s registration number, mobile number, and pin code to utilise an insurance calculator. After submitting these details, quotations will be displayed on the screen. The four-wheeler insurance calculator will then give you a value for how much you’ll have to pay for the policy you’ve selected.
Concluding Comments
ย
It’s crucial to have adequate auto insurance coverage when buying a car to protect your vehicle and yourself from any financial responsibilities brought on by unforeseen occurrences. HDFC ERGO auto insurance is one of the best insurance solutions on the market, serving the unique needs of a wide range of customers and making them happy.
Last Updated on by kalidaspandian
Top Comments