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Car Insurance in Bangalore

Name: Car Insurance in Bangalore
Brand: HDFC ERGO
Rating: 4.4 (158678 reviews)

Bangalore is well known as India's IT capital. The city’s strong economic expansion, particularly in the IT and technology industries, has resulted in a great population influx over the last few decades. This has naturally led to a surge in the number of vehicles plying on the road, making the city more prone to accidents. In this scenario, you are making a mistake if you own a four-wheeler but have not got it insured by car insurance in Bangalore.

Four-wheeler insurance provides financial protection against the costs of repairs and replacement if your vehicle gets damaged due to various unforeseen circumstances. To provide this coverage, the insurer charges you a premium based on the risk associated with your car.

Features of Car Insurance

Some of the features you can find with the best car insurance in Bangalore are listed below.

Features	Description
Third-party Damage	This insurance covers property damage and physical injury to the third party involved in the accident caused by the insured car.
Own Damage Cover	The policy covers the damage sustained by your car due to fire, collision, and natural disasters.
No Claim Bonus	The best car insurance in Bangalore will give you up to 50% reduction in subsequent premiums if you don’t raise any claims during the policy period.
Pocket-friendly premiums	The HDFC ERGO car insurance price in Bangalore starts at Rs 2,094.
Cashless garages	HDFC ERGO offers over 6700+ cashless garages providing free maintenance and replacement services.
Riders	If you buy car insurance via HDFC ERGO, you can enhance your coverage with 8+ riders.

Types of Car Insurance Policies in Bangalore

Car insurance in Bangalore is a must to safeguard against the financial liabilities arising from own car damage or injuries or loss caused to third parties involved in the accident. You can choose the right one for you from the policy types outlined below.

Comprehensive Car Insurance
Third-party liability coverage
Standalone Own Damage Cover
Coverage for brand new car

Comprehensive Insurance

The Comprehensive insurance policy combines features of both own damage and third-party car insurance. You may also enhance your coverage by selecting engine protection and roadside assistance riders.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third party liability

Choice of add-ons

Theft

EXPLORE MORE

Benefits of Car Insurance

The benefits of having the best car insurance policy in Bangalore are:

Benefit	Description
Holistic Coverage	Car insurance in Bangalore covers practically every situation that could cause damage to your car.
Legal Charges	The policy covers legal fees paid to your lawyer if someone files a lawsuit for an accident involving your car.
Adherence to Law	You can avoid penalties, as third-party vehicle coverage is legally mandatory.
Flexible	You can raise the scope of coverage by selecting a suitable rider.

The car insurance in Bangalore covers the following scenarios:

Natural Calamities

The policy covers damage caused by natural disasters such as tsunamis, floods, earthquakes, and cyclones.

Manmade Disasters

You will get reimbursement for bills if your car is damaged because of vandalism or riots.

Theft

The policy covers the theft of your entire car, not just a few parts.

Collision

The policy pays for damage caused by the collision of your car regardless of who is at fault.

Fire

If your vehicle catches fire, the policy covers the damage.

Legal Consequences

The policy will cover the legal fees if you are sued in an accident involving your vehicle.

Some common exclusions of car insurance in Bangalore are:

Wear & Tear

The repair bill for the normal wear and tear

Without Driving Licence

During the crash, if the driver did not have a valid licence

Electrical & Mechanical Failure

The policy excludes coverage for consequential losses, depreciation, and electrical or mechanical failure.

Damage Outside India

Any damage your vehicle sustained outside of the geographical borders specified in the policy contract.

Damage Due to War

Mutiny or nuclear perils inflicted damage

Driving With Alcohol Intake

The accident caused by the insured car driver while being under the influence of alcohol.

HDFC ERGO Car Insurance Add-ons

When you buy standard car insurance, you always have the option to increase the coverage scope through add-ons. Here are some riders you can opt for.

Zero Depreciation Cover

When you file a claim, you are reimbursed for repair expenses after deducting the depreciation amount. However, you are paid for the entire invoice amount with this rider.

Emergency Assistance Cover

If your covered car breaks down or you lose the keys, this policy offers 24-hour help with towing and mechanical services.

Cost of Consumables

Lubricants, brake oil, and engine oil are necessary for your vehicle's smooth functioning. This rider takes care of such expenses.

NCB Cover

Usually, you can only file one claim every policy year. However, with no claim bonus protection, you can file up to three claims each year and keep the policy intact.

Engine and gearbox protector cover in car insurance

Engine and Gear Box Protection

This coverage can assist you if water infiltration or lubricating oil leaks damage your engine or gearbox.

Pay as Your Drive Cover

With pay as you drive add-on cover, you can avail discount on the premium of own damage insurance at the end of the policy period. If you drive less than 10,000km, you can claim benefits up to 25% of the basic own damage premium at the end of the policy tenure.

Car Insurance claim process is a cakewalk with us on your side. All set to buy car insurance plan?

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Why Should You Buy Car Insurance in Bangalore?

You must invest in car insurance in Bangalore for the following reasons.

Mandatory by law

According to law, you need third-party liability coverage to drive legally in Bangalore or any other part of the country.

Third-party injury

If your covered car causes an accident and injures someone, the policy will cover their medical expenses.

Covers legal cost

If your insured vehicle is involved in an accident and a lawsuit is unavoidable, car insurance will cover the legal fees as well.

Financial support

Personal injury coverage is included in car insurance. It means that if the driver of your insured car dies, the policy will pay a lump sum to their family member for the amount specified in the policy document.

How to Buy/Renew Car Insurance in Bangalore?

Whether you are a new or existing customer, HDFC Ergo makes car insurance renewal in Bangalore simple. Check out the steps below.

• Visit our website and provide your car registration number to get the car insurance cost in Bangalore.

• Fill out the proposal form by entering your personal information and car-related information.

• If you are renewing your coverage through our website, provide your policy number and select an add-on (optional).

• Pay your insurance premium online with UPI, net banking, credit, or debit card.

• You will get a confirmation email and a soft copy of your policy.

How to File a Car Insurance Claim?

Filing a claim is simple if you have four-wheeler insurance from HDFC Ergo. Here is how.

Step 1: Make a claim

Step 2: Vehicle Inspection

We shall assign an inspecting officer to assess the level of damage sustained by your vehicle.

Step 3: Repair and replacement

After we have reviewed the report, you can have your car fixed at a network garage for no cost.

Step 4: Settlement

For cashless claims, we will pay your repair expenses directly at the network garage, while reimbursement claims will be paid to your account.

Need for Car Insurance in Bangalore

There are many reasons to buy the best car insurance policy in Bangalore. A few are discussed below.

Cashless Repairs

You don't have to strain your pocket due to car repair bills because your coverage covers the costs.

Natural Calamities

When a natural disaster strikes, it may be impossible to save your insured car. Considering this, insurance covers loss and damage.

Additional Services

You may have to cope with many terrible situations when driving, such as loss of keys, flat tyres, gasoline refilling, and battery jump starting. Your car insurance can assist in all of these instances.

Legal Protection

If your insured car causes damage to a third party and they file a lawsuit against you, your insurance will cover the legal fees.

Peace of Mind

With broad coverage, you can drive worry-free, knowing that you have financial cover against most of the occurrences that could potentially cause damage to your car and that your family is financially secure if a road mishap leads to death.

Cashless Garages in Bangalore

Garage Name	Address	Contact Number
A2Z Glass India	52/1, Old Chandapura Hosur Main Road, Opp Rk Dhaba, Bengaluru, Karnataka, PIN - 560099	9845005635
ACO Automotive	Khata No.295, No. 3,4,5 Maragondanahalli,bidarahalli Hobli Bengaluru, Karnataka, PIN - 560036	8989898989
APS Enterprises	6TH Cross Babasapaiya, Bengalauru, Karnataka, PIN - 560060	9380715685
Auto Experts	Khata No.295, NO 3,4,5 Maragondanahalli, Bidarahalli, Hobli, Bengaluru Karnataka, PIN - 560036	8989898989
Automotive Glass India	2/2, Church Road, near Krishna Rao Park Madhav Rao Circle, Bengaluru Karnataka, PIN - 560004	8041086977
Canara Motors	No 9 Golf Avenue Kodihalli, Old Airport Road, Bengaluru, Karnataka, PIN - 560008	9900060503

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6700+

cashless Garagesˇ Across India

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Car Insurance Reviews & Ratings

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Our customers have rated us

View all 1,58,678 Reviews

PRATYUSH KUMAR

PRIVATE CAR PACKAGE
POLICY BUNDLED

18 Nov 2023

KARNATAKA

I got a quick response from the HDFC ERGO Team for roadside safety assistance for a flat tyre. I appreciate everyone's help with the quick turnaround on this.

CHANDRASEKAR RAVI PRASAD

PRIVATE CAR PACKAGE
POLICY BUNDLED

1 Nov 2023

TAMIL NADU

Your customer executive was extraordinary – and knowledgeable. I appreciate the patience and polite nature of your customer care executive. I have retired recently after working 50 years in marketing, including 20 years as CEO of a Swiss company in Dubai. I can say that I have the best customer service experience with HDFC ERGO. God Bless HDFC ERGO!

ISHA KOTHARI

PRIVATE CAR
COMPREHENSIVE POLICY

12 Oct 2023

MAHARASHTRA

The response time to the query was rapid. Your team resolves issues promptly, saving lots of time usually spent on follow-ups. You guys are excellent at customer service.

DIPSHIKHA BISWAS

PRIVATE CAR
COMPREHENSIVE POLICY

20 Sept 2023

MAHARASHTRA

The executive who assisted me was extremely helpful and knowledgeable and handled all my enquiries smoothly and professionally. I wish him all the best in his career and thank the HDFC ERGO Team for addressing and resolving the issue.

SANTOSH KUMAR RABHA

PRIVATE CAR
COMPREHENSIVE POLICY

24 Aug 2023

ASSAM

I'm very happy with the features and benefits of the HDFC EGRO car insurance policy.

SUDHAKAR SUDHAKAR M

PRIVATE CAR
COMPREHENSIVE POLICY

13 Aug 2023

KARNATAKA

I will recommend HDFC ERGO Insurance to my friends and relatives. Buying a new car insurance policy after shifting from another insurance company was a pleasant experience. I hope your after-sales service will turn out to be equally good in the coming year of policy continuity.

Akash Sharma

Private Car Insurance Policy

7th June 2023

Haryana

Your team has done an excellent job in settling my claim on time. I really appreciate your claim team's effort.

Rumit Patel

Third Party Insurance Policy

23 April 2023

Ahmedabad

Buying the car insurance policy from HDFC ERGO was the best experience I had till now for getting an insurance policy for my vehicle. I am very impressed by the customer care service team of HDFC ERGO. Your customer care executives are very cooperative and give a clear understanding of the policy. Apart from that, they guide you from start to end. Therefore, I am happy to choose HDFC ERGO to buy my vehicle's car insurance policy.

Gautam

Private Car Insurance Policy

27 March 2023

Bengaluru

The way your customer care executive managed the call was quite impressive. Keep up the good work!

Nisshant Bansal

Private Car Insurance Policy

25 March 2023

GAUTAM BUDDHA NAGAR, Delhi

Interacting with your customer care executive was an excellent experience. They solved my issues in one single call. If I need any other insurance, I will return to HDFC ERGO.

ARNAB NAG

Private Car Insurance Policy

2 Feb 2023

WEST BENGAL

HDFC ERGO team is good in communication and also quick in taking action.

C B GANGADHARA

Private Car Insurance Policy

6 Feb 2023

KARNATAKA

I want to thank the HDFC ERGO customer care team, who are very cooperative in solving the query. I am very interested in renewing the car insurance policy in future also with HDFC ERGO. Once again, thanks for your valuable support.

GAUTAM HUKKU

Private Car Insurance Policy

13 Sep 2022

Tamil Nadu

It was a great experience. I could have got cheated by the local service provider but your confirmation of the exact amount credited to the service center helped me debate and get the full credit of the amount approved. I paid the balance and got my car picked up. A big thank you for transparency and promptness

Prateek Benjamin

Private Car Insurance Policy

18 May 2022

Delhi

I am much impressed by your call centre executives' excellent talk and gracious behaviour. The way they attended my call, guided me on the phone and helped me get my vehicle insured deserves appreciation and gratitude.

Vipin rai

Private Car Insurance Policy

16 May 2022

Gurgaon

Your team has cleared my doubts and helped to select the best package for my vehicle. Remarkable job by your call centre team. Keep up the excellent work.

Rajani Bala Karri

Private Car Insurance Policy

30 April 2022

Hyderabad

HDFC ERGO customer care team gave me reasonable assistance in getting this policy done. Your team has made lots of effort to explain the details of the add-ons, which helped to get them added to the policy. Appreciate the support in ensuring that the variant is added to the portal.

Arjun Bachani

Private Car Insurance Policy

23 April 2022

Indore

Your call centre executives have patience and speak on various factors and parameters, especially regarding the IDV concept. I appreciate your team not trying to sell the policy but focusing more on explaining well and making the customer understand the policy and process.