Premium starts at ₹2072 ^

Premium starts

at ₹2072*
7100+ Cashless Network Garages ^

7100+ Cashless

Network Garages**
Overnight Car Repair Services ^

Overnight Car

Repair Services¯
4.4 Customer Ratings ^

4.4

Customer Ratings

Car insurance that helps you 'take it easy'

Car insurance that helps you 'take it easy'
With our wide network of cashless garages, round the clock customer support and digital claims service, we aim to provide the true 'take it easy' experience. It’s no wonder then that over #1.5 Crore customers have entrusted us with the responsibility of safeguarding their car. So get on the road of comprehensive coverage and attractive discounts of upto 70%^ with our customized plans made just for you. With HDFC ERGO you not only get cover for your car but also peace of mind for yourself!

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.
7100+ cashless garages**
7100+ cashless garages**
No matter where you are our wide network of cashless garages are at your service.
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.
Same day claim settlementˇ
Same day claim settlementˇ
50% of our car claims are settled the same day! Need we say more?
24x7 Roadside assistance
24x7 Roadside assistance
Stranded in the middle of nowhere? Help is just a call away!
Secure your car in 3 mins online
Secure your car in 3 mins online
Secure your journey of a thousand miles in just 3 minutes and get instant security for your car!

Plans best suited for your car insurance needs

Comprehensive Car Insurance: All rounded coverage that includes cover against damages to your own car or damages to a third party person/ property. And if this is not enough it can be customized with your choice of add-on covers, giving you coverage as per your requirement in a cost effective manner.

X
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

This cover only protects you against liabilities arising from damage, injury or loss to a third party person or property. As stipulated in the Motor Vehicles Act 1988, this is a mandatory cover and it is a punishable offence to not have a valid third party cover.

X
Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party vehicle or property damage

Injury to a third-party person

This cover helps you shield against financial losses arising due to damage to your own car.

X
Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

This cover offers 1 year coverage against damage to your own car along with a 3 year cover against damages to a third party person/ property.

X
Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

Compare and choose the cover you require

Star  80% CUSTOMERS
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Covers under
Car Insurance
Comprehensive
Cover
Third Party
Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
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Damage due to events like – Fire, theft, vandalism etc.
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Choice of add-ons – Zero depreciation, NCB protect etc.
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close
Customization of car value
check
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Personal accident cover of Rs. 15 Lakhs
check
check
Damage to third party vehicle/ property
check
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Injury to a third party person
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No hefty fines levied if valid policy in place
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BUY NOW
Did you know
Dry ice can easily remove dents as its extreme cold will help pop
out dents. Cool, right?

Boost your coverage with these add-ons

Boost your coverage
Zero Depreciation Cover

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands.

No Claim Bonus Protection

Made a claim, worried about your NCB discount? Don’t worry, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to the next NCB slab earning you a significant discount on your premium.

Emergency Assistance Cover

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car.

Boost your coverage
Return to Invoice

Love your car dearly? Give your car this add on cover and recover your invoice value back in case of theft or total damage to your car.

Engine and Gear Box Protection

The engine is the heart of your car and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.

Downtime Protection

Car in the garage? This cover will help bear the expenses you would spend on cabs for your daily commute while your car is getting repaired.

Read more about how you can boost your car insurance coverage with these add-ons and what they comprise click here!

Make a claim the quick and easy way

Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!

  • Step 1
    Ditch the paperwork! Register your claim and share required documents online.
  • Step 2
    You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
  • Step 3
    Relax and keep track of your claim status through the claim tracker.
  • Step 4
    Take it easy while your claim is approved and settled with the network garage!
Did you know
With our 7100+ cashless garages pan India, worrying about cash to fix your car is a thing of the past!

Your 4 step guide to calculate car insurance premium

Enter your registration number

STEP 1

Enter your registration number

Select your policy cover

STEP 2

Select your policy cover*
(In case we are not able to auto fetch your vehicle details,
we will need just a few details of your vehicle - Make,
model, variant, registration year and registration city)

Provide your previous policy

STEP 3

Provide your previous policy
details and No claim bonus (NCB) status

All we need is your contact details and your quote is ready!

STEP 4

All we need is your contact details and your quote is ready!

Comprehensive car policy inclusions and exclusions

Accidents

Accidents

Been in a car accident? Keep calm, we cover damages your car sustains in an accident.

Fire & Explosion

Fire & Explosion

We won't let a fire or an explosion burn your finances to ashes, be rest assured your car is covered.

Theft

Theft

Your car getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Calamities

Calamities

Calamities can wreak havoc and your car is not immune to them, but your finances are!

Personal Accident

Personal Accident

Your safety is our priority, in case of injuries due to a car accident we cover your treatment charges.

Third Party Liability

Third Party Liability

Damaged a third party property or person? We cover damages to a third party property or injuries sustained by a third party person.

7100+ Network Garages Across India
7100+** Network Garages
Across India

Hear from our happy customers

4.4 Stars

starOur customers have rated us View all 1,58,678 Reviews
I’m faizal and I want to tell you I’m very happy to got hdfc ergo service I haven’t words to explain how experience with this I raised claimed which is got approved within a moments I got credited within a day really it’s awesome and helpful love you hdfc ergo.
Very good for claim time I’m so impressed to hdfc ergo policy… intimation claim and others benefits……
Thanks to Mr Tanay, Customer Service Representative, HDFC ERGO for completely guiding me for my claim. All communication was prompt and accurate
I would like to thank Ms. Lavanya customer relations officer, she proactively intimated me of my motor claim status and, provided excellent service
The experience i had with HDFC ERGO is awesome. Claim settlement was fast, transparent and easy

Frequently asked questions

Voluntary Deductible is a part of the claim that the insured party volunteers to pay from their own pocket, before raising the claim with the insurance provider. It is an excellent way to reduce your policy premium. For example, say your car is damaged and the total claim amount is Rs. 10,000. But you have agreed to shell out Rs. 2,000 from your own pocket as voluntary deductible. So, once you pay that, the balance amount of Rs. 8,000 will be paid by the insurer.
When a policyholder doesn’t make any claims during the policy period, he/she is rewarded with a No Claim Bonus (NCB). Now, this discount can range from 20% upto 50%, depending upon your track record of not making a claim. While making a claim for massive damages serves the whole purpose of taking insurance, if you let go of small damages, you can avail a decent discount in the form of NCB. So, it’s advisable to pay for minor repairs instead of making a claim and losing that NCB, which by the way, only increases with every passing year.
There are times when drivers wish to cancel a claim, mostly because they don’t want to pay the deductible. So, insurance providers allow you to cancel a claim after you file it, and to do so, you just need to contact a representative.
That is unlikely. It is recommended that you inform the insurer at the earliest. The period of intimation may be sometimes as short as two days. After the specified time period lapses, the insurer reserves the right to cancel any claim application.
There is no limit to the number of claims that one can register during the policy period. However, the policyholder can claim until the consolidated claim amount reaches up to the Insured Declared Value (IDV) of the car. Also, claims have an impact on your premium at the time of renewal.
The expired policy can be renewed online. All you have to do is visit the website of the insurer, make a self-survey of your car, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
If you want to make any changes to your existing policy, it can be done through an endorsement. The modifications/changes are not made in the original policy but in the Endorsement certificate. These might include change in ownership, coverage, vehicle, etc. Endorsements are of 2 types - premium-bearing endorsement and non-premium bearing endorsement.

In premium-bearing endorsement, you have to pay an additional premium. For example, transfer of ownership, addition of LPG/ CNG kit, change of RTO location, etc. On the other hand, if you opt for non-premium bearing endorsement, no additional premium is charged. For example, change in contact details, correction in engine/ chassis number, addition of hypothecation, etc.
If you have witnessed a significant rise in the insurance premium during renewal, it might be because of loading. Simply put, it is the amount that is added to a policy to cover for losses which were higher than what the insurer was anticipating. This comes into the picture if the policyholder is prone to a certain type of risk or opts for claims quite often. Loading protects insurance companies against high-risk individuals.
Yes. The reward for not making a claim during the policy period can be easily transferred from one insurer to another, if the policyholder decides to buy insurance from another insurance company. Similarly, if the car owner changes his vehicle, NCB can be transferred to the new car.
This add-on cover retains your No Claim Bonus even after you have raised a claim for damage caused to your parked vehicle due to external impact or any calamity such as flood, fire etc. This cover not only protects your NCB earned so far, but also takes it to the next NCB slab. It can be claimed for a maximum of 3 times during the policy period.
Nil Depreciation, also known as Zero Depreciation Cover, gives complete coverage without any depreciation. There is no decrease in the value of the asset with the passage of time.
No, it will not be covered, because the information on your insurance policy must match the details of the car when making a claim. When you switch to LPG or CNG, the fuel type of your car changes, and hence, your claim request can get rejected. Therefore, you must inform the insurer about this change at the earliest.
In this case, you can opt for a top-up plan to get coverage for the new accessories.
As the car ages, its value depreciates. Zero Depreciation Cover is an add-on cover that provides complete coverage to your car without considering the depreciation value. In the event of any damage, the entire claim amount will be paid by the insurer. Without this add-on, the insurer pays the compensation after deducting the depreciation amount which has to be borne by you. You need to pay an additional premium to purchase this add-on.
The Insured Declared Value (IDV) is the maximum amount of sum assured fixed by the insurance company, according to the present market value of the vehicle. Sometimes, the overall repair cost exceeds 75% of the vehicle’s IDV,and then, the insured car is treated as a Constructive Total Loss claim.
Roadside assistance is an add-on cover that comes to your rescue when you are stranded on the road in case of a mechanical breakdown. This has to be purchased by paying additional premium. One can avail 24*7 road side assistance for breakdown, tyre replacement, towing, fuel replacement etc. by contacting the customer care.
Unless you have a Zero Depreciation cover, the insurer pays for the repair or replacement of car parts at a depreciated value. The value of the car and its partsbecomes lower as the years go by. This ‘deduction for depreciation’ decides how much the policyholder pays from his/her pocket.
You can take the following steps to save on car insurance premium:  

1.Compare the quotes by different insurers and pick the one that provides more benefits at a lower price.

2. Ask about bundling your insurance:If you have home insurance, you can ask your current provider about car insurance as well. Sometimes, insurance providers may give a discount on car insurance premium, if you already have home insurance or have another vehicle insured with them.

3. Maintain a good credit score:The policy premium is also calculated based on the credit score, as people with a good score make fewer claims.
Yes. Both the make and model of your vehicle influence the cost of your insurance premium. The premium for a luxury sports car will be more than a hatchback for instance. This is because any damage to a luxury car will need a costlier repair.
Low IDV or Insured Declared Value means you are insuring your vehicle below the market value, and so, your premium will be less. However, at the time of making a claim, the compensation amount will be less and you may have to bear some of the loss. Experts recommend that instead of higher or lower IDV, you go for the right IDV.
It depends on the insurer. You may get it in a day or two, or the process can take a week.
The policy will remain more or less the same, but the premium may change depending on the city to which you are moving. This is because the insurance rates differ based on the registration zone of the car. Metro cities usually have a higher rate of premium than the rest of the country. In case of job change, just inform the insurer so that the details are updated. In any case, you need to update your contact details i.e. your new address and phone number, which can be done online.
Visit the official website of the insurance company and select the option to download an e-copy of your policy. Once you enter your policy number and registered mobile number, an OTP will be sent to that number for verification. Enter the OTP and provide your registered email ID. A copy of your car insurance policy will be sent to your mail ID in PDF format. You can then download the policy.
According to the Ministry of Road Transport and Highways, even a digital copy of documents such as driving license and a vehicle’s registration, insurance etc., which are stored in Digilocker or mParivahan mobile app, will now be accepted legally along with the actual physical documents. Original papers or photocopies of the same are no longer mandatory.
The insurance policy has to be transferred from your name to the new owner. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount are required for this. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
Yes. Most car insurance companies in India offer decent discounts on the premium if the policyholder is a member of Automotive Research Association of India (ARAI).
Electrical accessories in a car usually include music system, ACs, lights, etc. The non-electrical accessories are the interior fittings in the car, like seat covers and alloy wheels. Their value is calculated according to their initial market value and then the depreciation rate is applied.
It means that if the car owner has hired a driver and if the latter meets with an accident while driving your car, then the insurance company will provide compensation for his injury/ loss of life.
You can pay via net banking, debit card or credit card. You can pay the whole amount at once or in instalments.
Yes. If you add an additional layer of protection, it will lower the risk for the insurer in case of a theft, and so, you will be rewarded with a discount.
Usually, the list is available on the insurer’s website. You can also check with your insurance agent or call the customer care number if you can’t locate it.  
Ranging from high-end locks to alarms, anti-theft devices are gadgets that protect your car. You need to get one certified by the Automotive Research Association of India (ARAI) if you wish to avail the anti-theft discount on the car insurance premium.
As per the Motor Vehicles Act 2019, the fine for driving without insurance is Rs 2,000 and/or imprisonment of up to 3 months for the first time. For subsequent offence, the penalty is Rs 4,000 and/or jail term of up to 3 months.
Bumper to bumper is an add-on cover providing complete coverage, in case of an unfortunate event, to damages done to fibre, metal, and rubber parts of your car. This, however, does not cover engine damage, batteries, tyres and glass. Pay additional premium to purchase this add-on. It is also known as zero depreciation or nil depreciation car insurance. 
The different types of car insurance plans are:
Liability only policy: The Indian Motor Vehicles Act, 1988, makes it is compulsory for car owners to have a valid third-party insurance policy, and non-compliance of the rule can lead to heavy penalties. This policy covers bodily injury (or death) or property damages done to any third party in case of an accident caused by the insured party, on the condition that it wasn’t a deliberate act or done under the influence of any drugs or alcohol.
Comprehensive plan: Buying this policy is optional, but it is highly recommended by experts. It covers damage done to your own vehicle as well as that done to a third-party. Apart from accidents, it also covers thefts and damages done to the vehicle by natural calamities like flood, lightning, earthquakes, etc. or malicious acts like riots, strikes, and terrorist activity. This plan can be bought for a single year or for long term.
Standalone Own Damage Car Insurance: This offers exclusive protection to your car that may get damaged due to accidents, calamities, fire or loss due to theft. It doesn’t cover treatment for injuries of the driver, or any damage done to the third-party, unlike a comprehensive plan.   
Other plans are also available depending upon the type of car i.e. Private Car Insurance and Commercial Vehicle Insurance.
If you didn’t make a claim during the policy period, you get No Claim Bonus. Apart from a discount on your insurance premium, your insurer is most likely to offer additional benefits when you renew the policy. These rewards might include a sizeable decrease in deductibles or an accident forgiveness option, which means zero increase in premium even after an accident.
Did you know
You can now secure your car before your favourite song gets over, in less than 3 mins!

Know what the expert speaks about our car insurance plans

Mukesh Kumar
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your car insured from HDFC ERGO, a brand serving more than 1.5 crore+ customers. With overnight repair services and more than 7100+ network garages, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.

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Did you know
अब आप इस पेज को हिंदी में पढ़ सकते हैं अनुवाद करने के लिए बटन पर क्लिक करें।

What makes HDFC ERGO’s car insurance stand out

Easy on your pocket

Easy on your pocket

With multiple choice offerings our premium starts at just ₹2072*, we offer premiums that don’t burn a hole in your wallet while offering maximum benefits. Choosing a comprehensive policy entitles you to savings of upto 70% and no-claim bonus benefits of upto 50%.

Cashless assistance

Cashless assistance

Hiccup in the journey? Now no more worrying about cash to get your car fixed while you are stranded in the middle of nowhere. With our 7100+ cashless garages pan India help is never too far, our widespread network of cashless garages will be your friend in need. To add to this our 24x7 roadside assistance ensures help is just a phone call away, and your car is taken care of anywhere anytime.

Growing family of happy customers

Growing family of happy customers

With over #1.5Crore+ happy customers, we are proud to say that we’ve put smiles on a million faces and counting. The testimonials from our ever growing family of customers are heartwarming to say the least. So toss your car insurance related worries aside and join the happy customers club!

No more sleepless nights

No more sleepless nights

Car needs repair but worried how you’ll commute to office next morning? HDFC ERGO’s Overnight repair service is here to save the day! We take care of minor accidental damages or breakdowns while you catch up on your sleep and get your car back in shape by morning. If this doesn’t spell convenience, what does?

Making a claim is a breeze

Making a claim is a breeze

We make sure that your claim experience is hassle free and swift. Paperless claims, self inspection option and our quick claim settlement record are a testimony to our promise of making the claim process a breeze for our customers. So say goodbye to claim related worries whether it is intimating a claim or waiting for it to get settled.

A quick guide on how to buy car insurance online

Scenario 1
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, 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.
Scenario 2
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.
Scenario 3
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.
Procedure
Follow these steps
Follow these simple steps to 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
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, 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
Follow these simple steps to 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

Top 6 factors that affect your car insurance premium

1
Age of the vehicle
As your car gets older your premium amount increases, the reason being an older car is more prone to wear and tear. Opting for a Zero Depreciation cover with your insurance plan will help reduce your premium marginally.
2
IDV (Insured Declared
Value) of the vehicle
The current value of your as per the market rate is your IDV and the higher the IDV higher the premium. What can help is increasing the voluntary deductible amount or in simpler language increasing the amount you shell out in case of a claim while the rest is taken care of by the insurer significantly reduces the premium amount.
3
Your geographical location
Where you reside and park your car is also a factor that affects your car insurance premium. If you live in a region prone to vandalism or theft, your premium amount may be on the higher side to offset any potential losses.
4
Your car model
Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc), like luxury sedans and SUVs, will have higher premiums, while base car models with lower engine capacity (below 1500cc) will have lower premiums.
5
Fuel type
Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol.
6
Car safety
Another major factor affecting your car insurance premium is how safe your car is. Insurance premiums for cars with advanced safety features like airbags, ABS, collision warning systems, anti-theft alarms, and automatic braking make your car less susceptible to theft and accidents hence reducing the premium amount.

Third-party car insurance cover Vs Comprehensive car insurance cover

star  80% CUSTOMERS
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Aspects to Compare Comprehensive
Cover
Third Party
(Liability Only)
Coverage Offered
A comprehensive car insurance plan reduces the risk factor significantly as it covers both own damage as well as third party liabilities.
Third party insurance as the name obviously suggests covers you only against any third party liability, it is the most basic insurance cover and is mandatory in India.
Availability of add-ons
Yes, you have the liberty to opt for add on covers to further boost your existing car insurance policy.
No, you cannot opt for any add-on plans under this type of policy.
Customization
Yes, it allows the customization of IDV or Insured Declared Value as per your needs thereby significantly reducing your premium amount.
No, there is no customization possible a standard policy is applicable for all.
Advantages
It gives you coverage against natural calamities like earthquakes, cyclones, storms etc. Manmade calamities like theft, vandalism, fire etc are also a part of the coverage. In addition to this you can also benefit from the NCB during your yearly renewal in case of no claims raised.
You can rest assured that you are covered in case of any damage to a third party, whether a person or property.
Drawbacks
Although the premium amount may be higher than a third party insurance cover, it justifies the surplus coverage it offers.
It leaves you vulnerable to a multitude of risks and can cause regret when you will have to shell money from your own pocket in the event of own damage.
BUY NOW

The perfect companion to your car insurance - Our add on covers

Zero Depreciation Cover
Zero Depreciation Cover
A car’s value starts spiraling south as soon as it exits the showroom. But don’t be disheartened, a zero-depreciation add on cover will be savior in such a scenario. This add on cover will help protect your finances in case of a claim due to physical damages to your car. It is recommended for new and premium cars since it helps to decrease the expenditures involving losses.
How it helps
Aasaan and Pareshaan Singh had unfortunately been in an accident and while Aasaan was recovering at home and binge watching movies, Pareshaan was worried sick on the financial burden he would face on making a claim! Aasaan had ensured he bought a Zero Depreciation Cover along with his car insurance, the result being his sole focus was on getting back on his feet and getting his car back in shape while he got the entire claim amount with no depreciation cuts.
No Claims Bonus Protection
No Claims Bonus Protection
We all like being rewarded for doing the right thing, and a no claim bonus is just that, your reward for being a good driver and having a claim free year. However, even a single claim, no matter how small it is may reduce your NCB to zero. But, by opting for a NCB protection cover with your car insurance policy, you can continue to retain the benefits earned for a longer time.
How it helps
Both Aasaan and Pareshaan Singh were responsible drivers who diligently followed all traffic rules. The reward for this was their no claim bonus that they accumulated over the years, however one fateful day a cyclone left in its wake damages and destruction. Their cars were not spared either. And while Aasaan pieced together his life after the calamity knowing his NCB is protected despite making a claim, Pareshaan suffered sleepless nights. The NCB protection cover protects the NCB you earned and carries it to the next slab.
Emergency Assistance Cover
Emergency Assistance Cover
It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that a friend in need. With 24X7 emergency assistance services like refueling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your car suddenly breaks down in the middle of nowhere.
How it helps
Aasaan and Pareshaan went on a road trip to an exotic south Indian destination and while on a scenic coastal road they both faced some issue with their respective cars. While Pareshaan struggled to communicate with the locals about his car breaking down not knowing the local dialect, Aasaan sipped on coconut water as a professional technician helped jump start his car batteries.
Return to Invoice
Return to Invoice
Your car getting damaged beyond repair or stolen would be your worst nightmare come true. But not all is bleak, the return to invoice add on is particularly helpful to recover financial losses when your car is damaged beyond repair. With this cover, you can get the original invoice value of your car including road tax and registration fees which you paid while purchasing the insurance policy in case of a total loss. It allows you to bridge the gap between the declared insurance value and the actual invoice value of the car.
How it helps
A burglary in the neighborhood made Aasaan and Pareshaan victims of car theft. And while Pareshaan was sulking on losing his beloved car, Aasaan was not stressed owing to the return to invoice add on that he had purchased with his car insurance. This add on cover offers coverage for an equivalent car replacement and protects you against losses like car theft or total damage.
Engine & Gear Box Protector
Engine & Gear Box Protector
Your car engine is the heart of your car and it is crucial to take utmost care of it. But just caring for engine is not enough, it needs ample protection too, the engine getting damaged due to any reason can spell big spends that will in turn burn a hole in your pocket. The engine protect cover becomes crucial to safeguard this vital part of your car from prospective damages and the resultant repair costs that can be steep.
How it helps
Aasaan and Pareshaan lived in an area that was prone to water logging and their car engines were vulnerable to damage. Then one day when the rain gods unleashed their fury both their cars got submerged in water and while Aasaan drank hot tea at home, Pareshaan was busy drying his tears. The engine and gear box protector helps save costs incurred due to replacement or repair of your engine.
Loss of Use – Downtime Protection
Loss of Use – Downtime Protection
Accidents and breakdowns occur unannounced leaving you with a car in the garage and without any mode of transport. And while your car insurance covers the repairs, the additional cost of commuting by a cab or alternative transport can leave your wallet lighter. This cover aids you with a pre-decided daily amount to offset any inconveniences faced by you while your car undergoes repair.
How it helps
While on their way to office Aasaan’s car broke down and Pareshaan had a minor accident, as a result both their cars were in the garage for some days. While Aasaan took a cab to office the following days, Pareshaan jostled and hustled to find a bus to office in a bid to save commuting cost. This add on cover helps you with your alternative transport or cab expenses from the time your car is sent to the garage till it returns home.

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