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Home / Motor Insurance / Car Insurance / Car Insurance in Coimbatore

Quick Quote for your Car Insurance

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Car Insurance in Coimbatore

In terms of population, Coimbatore is the second largest in Tamil Nadu after Chennai. In recent years, the city has seen a lot of development and growth; however, the incidence of road accidents, car thefts, etc., remains a problem, just like any other city in India. As a car owner in this city, it becomes your responsibility to adhere to safe driving habits and take necessary precautionary measures. Hence, you should buy car insurance online to enjoy peace of mind, knowing you will be financially protected against third-party liabilities and own damages to the vehicle.

HDFC ERGO offers affordable car insurance solutions for car owners in Coimbatore. Get in-depth details about car insurance in Coimbatore on this page.

Features of Car Insurance

The car insurance plans from HDFC ERGO are packed with many practical features, such as:

Features	Description
Own damage cover	Covers own damage/loss to the car due to theft, accidents, calamities, fire, etc.
Third-party damage cover	Covers liabilities arising from accidental third-party death, injuries and property damage.
Cashless feature	Covers cashless repairs via 9000+ network garages across India.
Availability of add-ons	Choice of 8+ car insurance add-ons for additional protection.
No Claim Bonus	Additional savings on premiums with up to 50% NCB.
Multiple choice of plans	Pick from 3 plan types: Third-party, standalone own damage or comprehensive car insurance.

Types of Car Insurance Policies in Coimbatore

Here are the different types of car insurance in Coimbatore that HDFC ERGO offers:

Comprehensive Car Insurance
Third-party liability coverage
Standalone Own Damage Cover

Comprehensive car insurance

Comprehensive car insurance is the most recommended plan as it provides 360-degree protection. It comes with coverage for both third-party liabilities and own damage to the insured vehicle due to perils like accidents, fire, calamities, theft, etc.

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

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Benefits of Car Insurance

Here are the numerous advantages of buying car insurance in Coimbatore:

Benefit	Description
Liability protection	One of the most essential benefits of buying car insurance in Coimbatore is its third-party liability protection. In the event of an accident involving your car, you will be liable to cover any damage/loss caused to a third party. Car insurance helps you cover those legal liabilities with ease. Note that both comprehensive and third party car insurance offer this coverage.
Extensive damage coverage	A major benefit of car insurance is its extensive coverage scope. In terms of own damage cover, car insurance protects your vehicle against a variety of perils, such as damage or loss due to accidents, fire & explosion, theft, natural calamities, man-made hazards, etc. Additionally, you can enhance the coverage range with add-ons.
Financial security	Handling the financial loss from accidental repairs or vehicle theft from your own pocket can be a major burden. Fortunately, car insurance covers vehicle theft and the cost of repairs/replacements for damages due to insured perils, providing you with essential financial security.
Cashless benefits	A very important advantage of investing in a car insurance policy is its cashless repair benefits. In the event the insured car suffers damage due to a covered peril, you can get it fixed in no time via a network garage. It ensures quality repairs without the hassle of upfront bill payments.

Car Insurance Coverage

Coming to car insurance coverage, here’s what the inclusions and exclusions look like:

What is covered?
What is not covered?

Natural/man-made calamities

The plan covers any damage or loss to the vehicle due to natural calamities, like floods, storms, landslides, etc., and man-made hazards, like strikes, terrorism, riots, etc.

In-transit damage

The policy covers any damage that the vehicle suffers during transportation via rail, inland waterway, lift or road.

Theft

The policy offers compensation up to the IDV to ease the financial burden in the event the insured car is stolen and not recovered.

Accidents

Accidental damages suffered by the insured car are covered under the plan.

Third Party Liabilities

The policy covers legal liabilities arising from accidental third-party injury, death and property damage caused by the insured vehicle.

Fire & explosion

t covers any damage or loss to the vehicle due to fire and/or explosion.

Personal accident cover

Covers the owner-driver against accidental injuries, disability and death.

Depreciation

The policy doesn’t offer coverage for the depreciation of the insured vehicle.

Illegal driving

Any damage or loss caused by the individual driving the car without a valid driving licence or under the influence of drugs and/or liquor is not covered by the policy.

Electrical & mechanical breakdowns

The repair costs arising from electrical or mechanical breakdown of the car would not be covered under car insurance.

Geographical limitation

Any damage/loss suffered by the car outside of India will remain excluded under the policy.

Consequential losses

Losses that are not a direct result of an accident are not covered under the car insurance policy.

Incorrect usage

Damages resulting from incorrect usage of the vehicle, such as overloading, are not covered by the policy.

Note: The coverage mentioned above is for illustration purposes only. Refer to the policy wording for specifics on car insurance inclusions and exclusions.

HDFC ERGO Car Insurance Add-ons

HDFC ERGO offers 8+ add-ons for car insurance in Coimbatore. Here are a few of the most popular ones:

Zero Depreciation Cover

If you have this car insurance add-on, the insurer will not factor in the rate of depreciation of the parts repaired or replaced. Hence, you will get the full claim amount during car insurance settlements. Subject to terms and conditions.

No claim bonus protection

This car insurance add-on protects your accumulated no-claim bonus benefits, even if you claim within the policy term. Subject to terms and conditions.

Cost of Consumables

If you include this add-on to your car insurance plan, the costs incurred on consumables, like bolts, brakes, engine oil, washers, etc., during repairs will be covered by the policy. Subject to terms and conditions.

Return to Invoice

With this add-on, you can recover the invoice value of the insured car in the event of total loss or constructive total loss. Subject to terms and conditions.

EMI protector

If you get this add-on, the insurer will cover the EMI cost of the insured vehicle if it has been kept in the garage for over 30 days for accidental repairs. Subject to terms and conditions.

Emergency assistance cover

In case of a mechanical breakdown of the vehicle, you can seek emergency assistance under this cover. It includes battery jumpstart, minor on-spot repairs, towing facility, etc. Subject to terms and conditions.

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Why Should You Buy Car Insurance Policy in Coimbatore?

It is highly recommended that car owners in Coimbatore invest in a good car insurance policy. You should buy car insurance in Coimbatore for the following reasons:

For protection against vehicle theft

Incidence of vehicle thefts in the city is quite common. If you don’t want to deal with the financial burden caused due to your car getting stolen, make sure to buy car insurance online. It offers adequate compensation to cover the loss, so you can replace your vehicle.

To abide by the law

In order to legally drive your car on the public roads of Coimbatore, as well as the rest of India, you need to have it insured with a car insurance plan with at least third-party liability cover. Otherwise, it is illegal to drive a car in Coimbatore without a valid car insurance.

Coverage against accidents

Coimbatore is the second most populous city in Tamil Nadu. There are tons of vehicles on the road and four RTOs to handle vehicle registration and enforce traffic safety regulations within the city. A high number of vehicles on the road means an increased risk of road accidents. To protect your car against accidental damage, you should invest in a car insurance policy.

Cover against flood-related damages

It is hard to predict natural calamities and even harder to avoid them. In recent years, Coimbatore has been facing the wrath of torrential rainfall during the monsoon, which results in widespread flooding. As a responsible car owner in Coimbatore, you should buy comprehensive car insurance online that protects your vehicle against damage/loss resulting from floods and other natural calamities.

How to Buy/Renew Car Insurance in Coimbatore?

Follow these easy steps to buy/renew car insurance online in Coimbatore from HDFC ERGO:

• Buying car insurance

1. Go to the official HDFC ERGO website, and choose “Car insurance”.

2. Provide the necessary details and press “Get A Quote”.

3. Then, enter the details of the vehicle to continue.

4. Choose the coverage you prefer and enter the previous policy details (if any).

5. Edit IDV, pick add-ons and verify the final premium amount.

6. Tap on “Buy Now”, enter your contact details and pay the premium online to complete the purchase.

• Renewing car insurance

1. Go to the HDFC ERGO official website.

2. Navigate to the “Renew” tab and pick “Car Insurance”.

3. Provide the policy number of the existing plan and press “Renew Now”.

4. Verify details and make changes as required.

5. Complete online payment to finish the renewal.

How to File a Car Insurance Claim?

Filing a car insurance claim with HDFC ERGO is a matter of four easy steps. Here is a step-by-step guide:

• Step 1:

First, you will need to inform us about the car insurance claim via our toll-free number or official WhatsApp handle. Additionally, make sure to submit the relevant claim documents on the designated portal.

• Step 2:

Then, you will need to get the car through the scheduled inspection, which will be done by our registered surveyor.

• Step 3:

After that, you can get the damage repaired at a nearby network garage for cashless claims. For reimbursement claims, you can get your car repaired from any garage of your liking.

• Step 4:

For approved cashless claims, the insurer will settle them directly with the garage. For reimbursement claims, the vehicle owner will receive the compensation amount.

Need for Car Insurance in Coimbatore

Here’s why you need car insurance in Coimbatore:

To reduce downtime

With the cashless benefit under car insurance, you can get the necessary repairs/replacements done without needing to worry about upfront payments. This helps get your car back in action as fast as possible.

To effectively compensate the third party

In the event of accidental third-party damage, the policy will help you effectively compensate the affected party for their damage/loss.

To avoid fines

Driving a car without a valid insurance is illegal and punishable by fine and/or imprisonment. By having valid insurance, you can protect yourself from such hassles.

Cashless Garages in Coimbatore

Need to locate a cashless network garage under HDFC ERGO in Coimbatore? Here’s how to do it:

1. Visit the HDFC ERGO cashless network garage locator website.

2. Type in the name of the city or its pincode, which, in this case, is Coimbatore, in the search bar and press enter.

3. The website will display all available cashless garages near the selected location. For ease of access, do filter the search results by selecting “4-Wheeler” garages.

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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.