How to Find the Right Car Insurance Policy for You?
How to Find the Right Car Insurance Policy for You?
Published on September 30, 2019. EST READ TIME: 4 MIN
Car insurance has a purpose and comes with many benefits for the car owner. And when you buy a car insurance with a trusted name like HDFC Ergo, it becomes affordable too!
Let us have a look at different car insurance plans by HDFC Ergo
Policy
This car insurance policy by HDFC ERGO is meant to provide all-round protection and security for all possible damages to your vehicle. In addition, it offers personal accident cover to the owner driver, who is the registered owner of the car and third party damage liabilities in terms of death, injury and third party property damagetoo. It is a great policy that ensures you a safe and confident ride every time you hit the road.
Features
Round the clock support for claim assistance
Quick approval
7600+ authorized network across India for cashless claim service
No claim bonus for every claim free year
Instant buying online through the web and mobile app
Paperless documentation and instant policy
Inclusion
1. Damage caused to own vehicle due to
Accidents
Theft or burglary
Natural calamities like Flood, Storm, Earthquake etc
Transit
Fire, , self-ignition or lighting
Terrorism , malicious act
2. Personal Accident Cover
It provides personal accident cover to the owner driver in case of an accident. Coverage for occupants travelling in the car is optional and can be bought on payment of additional premium.
3. Third Party Legal Liability
It provides coverage for accidental death, injury, or any property damage tothe third party in case of an accident.
Exclusions
Contractual liability claims
Depreciation
General aging
Mechanical or Electrical breakdown, failure
Damage by a person driving under the influence of Liquor / Alcohol / Drugs
Loss / Damage due to War / Mutiny / Nuclear risks
Loss / Damage outside mentioned geographical boundaries
Damage caused by overloading or strain
Third Party Liability Only Insurance
In addition to the fact that a third party insurance is mandated in India, this comes really handy to help you deal with a third party liability medical expenses and property damage of the third party in case of an accident.
Features
Round the clock support for claim assistance
Instant buying online through the web and mobile app
Paperless documentation and instant policy
Inclusion
Party Legal Liability
It provides coverage for accidental death, permanent injury, or any property damage tothe third party in case of an accident.
Personal Accident Cover
It provides medical bills coverage for the injuries of the driver in case of an accident. Coverage of 1 lac is provided in case of accidental death of the driver/owner of the insured vehicle.
Exclusions
Commercial Vehicle Insurance
Commercial Vehicle Insurance at HDFC Ergo offers vehicle insurance package policies for a wide range of commercial vehicles, including goods carrying vehicles, passenger carrying vehicles, trailer, miscellaneous and special types of vehicles. It is a comprehensive insurance coverage policy with a little change in the terms and conditions of the policy coverage.
Conclusion
Depending upon your insurance needs, think of the plan you wish to take or alternatively, you can get in touch with one of the customer care executives at HDFC ERGO and they will help you find the best car insurance plan. Please make the car insurance renewal in time to ensure continued coverage.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.
This blog has been written by Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 7600+ network garages, you can be assured of help in event of any damage to your vehicle
Few other articles