What Are The Benefits Of Buying A Comprehensive Motor Insurance Policy?

Since having a third party insurance is mandatory, many people tend to question why they need to pay more for comprehensive car insurance. To ensure that your cherished car is protected from any risk of loss or damage, it is wise to invest in comprehensive car insurance policies.

Comprehensive car insurance explained

Comprehensive car insurance policies ensure that your car is protected from the risk of damage during an accident along with damage to third party life and/or property. Comprehensive car insurance policies need to be renewed periodically to ensure that your vehicle always remains insured.

Comprehensive Car Coverage

Comprehensive car insurance falls under three broad aspects of coverage.

  • Own damage component of the plan cover the following risks:
    • External accidents
    • Theft and burglary
    • Fire, explosion, self-ignition and lightning
    • Terrorism, riots and malicious acts
    • Natural disasters like earthquakes, floods, landslides and storms
  • Personal accident component that covers cost incurred due to medical treatment of driver. Other occupants can also be covered at additional premium.
  • Third party liability component covers accidental death and damage to third party and damage to property owned by third party.

Benefits of Comprehensive Car Insurance

There are many benefits that customers are privy to when they purchase comprehensive car insurance policies at HDFC ERGO.

  • No Claim Bonus:NCB discount is offered as a reward to customers at the end of one year of claim-free driving as a way to incentivize safe and responsible driving. The NCB discount is deducted on own damage component from the renewal amount that needs to be paid as premium at the end of the year.
  • Attractive discounts on comprehensive car insurance price
  • Easy online purchase: Online purchase of car insurance is easier than ever on HDFC ERGO’s webpage!
  • Cashless claim service: With a wide network of more than 6000+ garages, claim settlement is a breeze!
  • Instant policy documentation: Hassle-free policy documentation at the click of a button.
  • Round-the-clock support: 24x7 customer support to ensure smooth and hassle-free claim settlement!

With so many benefits, these policies are a must-have for you! Look no further than here for all your car insurance needs!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the purchase.

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