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Home / Motor Insurance / Car Insurance / Car Insurance Policy Comparison

What is car insurance

 Comparison
 Car Insurance Comparison
It is a common practice to surf online and compare products before making a purchase whether it is as miniscule as a pair of shoes or buying high-end gadgets. Why then should car insurance not be in your comparison to-do list? The way a square peg cannot fit in a round one, your car insurance requirements may vary from your next-door neighbor. This is where comparing car insurance comes into the picture, choosing one that is tailored to your needs and suits your requirements is the need of the hour. Here we delve deep into how and why you should compare and buy car insurance online and what should be the comparison criteria.
So take your time, do your research and make an informed decision to get the best car insurance plan by devoting some time to comparing car insurance policies online.

Why you should compare car insurance online and its perks


Gone are the days when standing in long queues or grappling with piles of paperwork were common scenarios while buying car insurance. The world has progressed leaps and bounds and digital is the new norm. Purchasing car insurance online and comparing plans or insurers online is now a common practice, here’s why:

Customize as per your needs

Customize as per your needs

An online comparison of car insurance policies makes it easier to analyze the different plans and the covers on offer. It also gives you a choice of add-on covers to supplement your car insurance cover.

Savings galore

Savings galore

Comparing different plans and the varying premium amount of each plan helps determine which plan fits your budget. It helps you decide on the variable features and offers that may or may not be a part of your car insurance requirement. However, it pays to not jump headfirst in a plan that has a lower premium as it can be detrimental in the long run.

Convenience guaranteed

Convenience guaranteed

Convenience is no more a luxury but a need and car insurance should be no different. Safeguard your car in a click from the comfortable confines of your home – all you’ve got to do is fill the requisite details and you get an instant quote. Why then should you forego such convenience and resort to cumbersome methods of protecting your car?

Size up the services offered

Size up the services offered

Comparing car insurance online helps gauge the services on offer of different insurers. This helps in arriving at a conclusion on the features that are a must have and those that you can do away with.

Your car insurance comparison criteria checklist

1
Cover
Assess the coverage you require while you make a purchase decision. Whether it is choosing between a comprehensive policy or a third party liability cover or contemplating the need of add-on covers, it is best to do thorough research.
2
Price
This is a deciding factor for many but a lower premium may not always be the best deal. So, while you are comparing premium amounts don’t forget the scope of coverage on offer too.
3
Reviews
The best way to evaluate an insurer or the products would be to look at the customer feedback received. It gives you a pulse of the insurer and the customer service quality.
4
Claim records
Checking the claim settlement records, like time taken for settlement and the efficiency, is paramount while comparing car insurance online.
5
Inclusions and exclusions
It is advised to read the fine print but we often tend to neglect the same. Going through the policy wordings thoroughly helps understand the inclusions and exclusions, and does not cause regret later at the claim filing.
6
Cashless garages
It helps to check the number of cashless network garages an insurer is claiming to have. Because being stranded in the middle of nowhere with a broken down car and no help in sight is not a situation you would want to be in.
Are you the owner of a shiny new set of wheels?
We have a car insurance premium calculator specifically designed for new car owners. You just need to keep handy details such as the date of registration, manufacturer, model, registration city, the sum insured (value of the vehicle), product type required (comprehensive/liability), and if you wish to opt for any add on covers. You get an instant quote in one click and no getting muddled with different amounts and figures, your premium amount is clear and precise.
Wish to secure your loyal companion on your daily commute and long drives?
Don’t fret, HDFC ERGO’s car insurance premium calculator for used cars comes to your rescue. Now secure your car knowing the car insurance premium amount beforehand in a click. All you need are some mandatory details and you get a quick quote on your screen.
Renewing your promise of safeguarding your loved asset?
It is crucial to renew your car insurance before its expiry date as it can leave you vulnerable to risks on the road and hefty fines, leaving you with a lighter wallet. And to get more clarity on the premium amount while renewing your car insurance policy, HDFC ERGO’s car insurance renewal premium calculator is the tool you need.
Follow these steps
Simple steps to buy car insurance online and get coverage that your car deserves:
• Enter your car registration number
• Select the make, model, and variant of your car
• Choose a plan that appeals to you and fulfills your car insurance needs
• Opt for an add on cover to supplement your coverage
• Enter your details like name, mobile number, and email id to get an instant quote
• Proceed to pay online through our secured payment gateways
• Upload the scanned copies of required documents and receive your policy in your inbox

Add-on covers to bolster your car insurance policy

Boost your coverage
Zero Depreciation Cover - Insurance for Vehicle

With zero depreciation, you will have zero worries about depreciation in the value of your car while getting the entire claim amount with no depreciation cuts.

No Claim Bonus Protection - Car insurance renewal

Your good driving paid off in the form of a No Claim Bonus? Now protect the NCB you earned and carry it to the next slab.

Emergency Assistance Cover - Car insurance claim

We will be your friend in need at any hour with our 24x7 emergency assistance cover that helps tackle technical or mechanical breakdowns.

Boost your coverage
Return to Invoice - insurance policy of car

Are you a victim of car theft? All is not bleak with our return to invoice cover that pays you the original invoice amount in case of theft or total loss.

Engine and gearbox protector by best car insurance provider

While your car is a piece of your heart, its time you protect your car’s heart with engine and gearbox protection that helps cover damage to your car’s engine.

Downtime protection - best car insurance in india

Misplaced your car keys? We provide replacement keys and also cover the lock replacement cost in case of burglary.

 6 Reasons Why HDFC ERGO’s Car Insurance Should Be Your First Choice

Upto 70%^ off on premium
Upto 70% Off^ on Premium
Maximize your savings with discounts that may sound unbelievable.
8000+ cashless garages**
8000+ cashless garages**
No matter where you are, our wide network of cashless garages are at your service.
Same day claim settlement
Same day claim settlement
More than 80% of our car claims are settled within the same day of receipts received! Need we say more?
Same day claim settlement^
24x7 Roadside assistance
Stranded in the middle of nowhere? Help is just a call away!
Affordable Car Insurance
Secure your car in 3 minutes online
Secure your journey of a thousand miles in just 3 minutes and get instant protection for your car!
 Overnight repair service¯
Overnight repair service¯
It is just a matter of dusk to dawn and your car will be back in shape ready for use.
Cashless garage network
8000+** Network Garages
Across India

Awards & Recognition

Last updated: 2021-05-04

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