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Home / Motor Insurance / Car Insurance / Car Insurance in Jalandhar

Quick Quote for your Car Insurance

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Car Insurance in Jalandhar

Car owners in Jalandhar are well aware of the traffic jams in the city. Potholes, defective traffic lights, reckless driving, poor road discipline, etc., are some of the major causes behind this issue. In addition, heavy rainfall in the city during the monsoon leads to cracked roads and submerged streets. All of these increase the risk of road accidents. To get coverage against such unforeseen damages to your car, consider purchasing car insurance online in Jalandhar.

Features of Car Insurance

Here’s what the feature-packed car insurance plans from HDFC ERGO look like;

Key features	Details
No claim bonus	Earn and use NCB benefits of up to 50% for attractive savings on premiums.
Own damage coverage	Covers damages to the insured vehicle caused by unforeseen events like accidents, thefts, fire, calamities, etc.
Third-party cover	Covers damages caused to a third-party person and property by the insured car in an accident.
Personal accident cover	Coverage of up to INR 15 lakhs~* under PA cover.
Affordable premiums	Reasonable car insurance premiums start at only INR 2,094*
Cashless network	Network of 9000+ cashless garages across India.

Types of Car Insurance Policies in Jalandhar

When buying car insurance online or offline in Jalandhar, you get to choose from the following plan types;

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

Comprehensive Insurance

If you are looking for 360-degree coverage for your car, the comprehensive plan is the way to go. It is the best car insurance in Jalandhar in terms of coverage. The policy covers both third-party legal liabilities and own damages to the insured car due to perils like accidents, theft, fire, 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

There are tons of benefits of buying car insurance online or offline in Jalandhar, such as;

Financial protection

Fixing accidental damage/loss suffered by your car can put a huge dent in your bank account. However, with a car insurance policy, you don’t have to worry about such events, as it offers financial coverage in case your vehicle gets damaged, stolen or leads to third-party damages.

Liability coverage

Alongside its damage coverage, the car insurance policy also offers coverage for third-party liabilities. It helps deal with legal liabilities arising from third-party damages/losses and makes sure that the affected third party is properly compensated.

Extensive security

The car insurance policy covers damages suffered by the insured car due to unforeseen events like accidents, in-transit damage, fire & explosion, floods, landslides, riots, terrorism, theft, etc. This keeps your car protected against a wide range of perils.

Cashless facility

With car insurance in Jalandhar, you can avail of cashless repairs for damages caused by insured perils. This helps to minimise downtime and ensures you don’t have to worry about upfront repair bills.

Worry-free ownership

A valid car insurance in Jalandhar will help you abide by the law and get coverage against own damage to the insured car due to a wide range of unforeseen events. It helps reduce the worries of car owners and lets them drive their four-wheeler with confidence.

Car Insurance Coverage

Here’s what the coverage of the HDFC ERGO car insurance policy in Jalandhar looks like;

What is covered?
What is not covered?

Accidents

Car insurance in Jalandhar covers damages sustained by the insured four-wheeler in an accident.

Fire & explosion

Any damage to the insured vehicle stemming from fire and/or explosion is covered under the policy.

In-transit damage

If the insured car suffers damage during transportation by rail, lift, road or inland waterway, the policy will cover it.

Theft

The car insurance in Jalandhar secures your four-wheeler against theft. In case the insured car gets stolen and is not recovered, the policy will offer financial compensation to cover the loss.

Calamities

The policy covers own damage to the vehicle caused by natural calamities, like floods, storms, earthquakes, etc., and man-made calamities, like strikes, terrorism, riots, etc.

Personal accident cover

Under the PA cover, coverage of up to INR 15 lakhs is offered to the registered owner of the vehicle for accidental injuries.

Third-party legal liability

The policy offers coverage for legal liabilities originating from accidental third-party damages, including bodily injury, death and property damage.

Depreciation

The car insurance plan doesn’t offer coverage for general ageing, normal wear & tear and depreciation in the value of the vehicle.

Consequential losses

Consequential losses remain excluded from the car insurance policy coverage.

Illegal driving

The policy doesn’t accept claims for damages caused by a person driving the insured four-wheeler under the influence of drugs and/or alcohol or without a valid driving license.

Breakdown

Repair costs resulting from mechanical or electrical failure/breakdown of the vehicle are not covered under the car insurance policy.

Geographical limitation

If the insured car sustains any damage/loss outside of India, the car insurance will not provide coverage for it.

HDFC ERGO Car Insurance Add-ons

If you want to widen the coverage scope of car insurance in Jalandhar, you can opt for the following add-ons;

Return to invoice

The Return to Invoice or RTI cover is a very popular car insurance add-on. In the event the insured car gets damaged beyond repair or stolen, you can retrieve the vehicle’s invoice value under this add-on.

Engine and gearbox protection

The engine and gearbox protection add-on helps shield you against the financial losses incurred due to damage to the car’s engine and gearbox child parts.

Zero depreciation

If you get this add-on with your car insurance policy, the insurer will pay you the full repair/replacement amount of the car’s damaged part during settlements without deducting any depreciation rate.

No claim bonus protection

With this add-on, you don’t have to worry about losing your earned NCB after making an insurance claim. The No Claim Bonus protection add-on protects your accumulated NCB benefits for up to 3 claims within the policy term.

Downtime protection

Under the downtime protection car insurance add-on, the insurer reimburses the insured for the expenses incurred on alternate transportation while their car is kept in the garage for repairs due to damages caused by an insured peril.

Emergency assistance cover

Getting stranded in the middle of the road due to the car breaking down can be stressful. Thankfully, you can avail of 24/7 emergency assistance from us during such situations with this add-on. It covers minor on-site repairs, towing, medical evacuation, flat tyre repair, etc.

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 Jalandhar?

Here are some key reasons why you should buy car insurance online or offline in Jalandhar;

Legal requirement

As per the Motor Vehicles Act 1988, all cars need to have motor insurance with at least third-party liability cover. Without it, you won’t be able to legally drive a car in the city. This is why you should invest in a car insurance policy.

Local traffic conditions

The roads in Jalandhar can sometimes get too chaotic, with congestion being persistent in areas like Jyoti Chowk, Nakodar Chowk, Balmiki Gate, etc. While navigating such roads, it is better to have car insurance in Jalandhar, which offers protection against accidental damage.

Theft protection

Bad actors can be anywhere, regardless of which city you are in. The same goes for Jalandhar. As a car owner living in this city, it is highly recommended that you buy car insurance to get coverage in the event your beloved four-wheeler gets stolen and is not recovered.

Heavy rainfall in the region

The region is known for experiencing heavy rainfall, and residents of the Jalandhar district are familiar with the floods that took place in 2008, 2019 and 2023. Hence, it becomes essential to cover your car against damages caused by floods and other such calamities with car insurance.

How to Buy/Renew Car Insurance in Hyderabad?

Car owners in Jalandhar can easily buy or renew car insurance online from HDFC ERGO. The process is very simple, and you can get it done by following these steps;

Buying car insurance

1. Head over to the HDFC ERGO car insurance page.

2. Enter your name, city and a few other details and click “Get A Quote”.

3. Provide details of the car, like make & model, registration year and city, etc.

4. Pick the plan type you want and submit details of the last insurance policy (if applicable).

5. Make necessary adjustments to the policy with IDV and add-ons.

6. Press “Buy Now”, provide a few additional details and pay the premium online to complete the process.

Renewing car insurance

1. Head over to the HDFC ERGO car insurance page,

2. Proceed by clicking on “Renew Existing HDFC ERGO Policy”,

3. Enter your current policy number and hit ‘Renew Now’ to proceed,

4. Confirm the policy and make necessary changes.

5. Make the online premium payment to complete the renewal. .

How to File a Car Insurance Claim?

If you want to file an HDFC ERGO car insurance claim in Jalandhar, here are the steps you need to follow;

1. Claim registration

The first step is to inform us about the insurance claim. For claim intimation, you can call us on our toll-free number or send a text to our official WhatsApp number.

2. Inspection

After the claim intimation, a surveyor from our end will take a detailed survey and assessment of your vehicle and submit the report to us.

3. Damage repair

You can then get the damages repaired at a nearby cashless garage in our network. For reimbursement claims, you can pick a garage of your choice.

4. Settlement

Upon claim approval, cashless claims are directly settled with the network garage, while reimbursement claims are directly settled with the vehicle owner.

Need for Car Insurance in Jalandhar

In Jalandhar, you need car insurance for a variety of reasons, such as;

1. To avoid fines

Driving a car without valid car insurance in Jalandhar is illegal and subject to hefty fines and/or imprisonment. To abide by the law and avoid such fines, you need car insurance in Jalandhar.

2. To cover third-party damages

In an accident involving the insured, a third-party person or property can also suffer damages/losses, which may lead to legal liabilities. To stay covered against third-party liabilities, you need car insurance in Jalandhar.

3. To reduce financial vulnerability

Theft or accidental damage to your car exposes you to unanticipated financial strain. To stay covered against such unexpected losses, you need car insurance in Jalandhar.

Cashless Garages in Jalandhar

There are multiple garages in Jalandhar under HDFC ERGO’s extensive network. Here’s how to find a garage for hassle-free, cashless repairs;
1. Open up the official HDFC ERGO network garage locator page.
2. In the search bar, type the city name “Jalandhar” or its PIN code and hit “Enter”.
3. A list of available cashless garages in Jalandhar will be displayed along with their address and contact details.
4. You can use the filter “4-Wheeler” to easily narrow down the search results.

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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.

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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!

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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

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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.

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24 Aug 2023

ASSAM

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

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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.

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27 March 2023

Bengaluru

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

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25 March 2023

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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.

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2 Feb 2023

WEST BENGAL

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

C B GANGADHARA

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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

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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.

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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.

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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.

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Frequently Asked Questions

1. How can I get the best car insurance in Jalandhar?

The best car insurance in Jalandhar is the one that offers the ideal coverage at reasonable rates. Try searching for car insurance online and comparing plans to find the best deal for your use case.

2. How can I check car insurance premiums in Jalandhar?

You can check the premium of your desired car insurance policy in Jalandhar by using the online four-wheeler premium calculator tool. It is a great way to get quick quotes before finalising a purchase.

3. How much does four-wheeler insurance cost in Jalandhar?

The cost of car insurance in Jalandhar depends on various aspects, such as vehicle details, selected coverage, NCB status, etc. If you want to know how much your desired car insurance cover would cost, use an online four-wheeler premium calculator.

4. Can I renew my car insurance in Jalandhar?

Yes. You can easily renew car insurance online and offline in Jalandhar. You can do so by visiting the insurer’s office in the city, or from your phone or computer by using the insurer’s official app or website.

5. Is car insurance mandatory in Jalandhar?

Yes. In Jalandhar, as well as anywhere else in India, cars operating on public roads need to be equipped with a valid car insurance policy as per the Motor Vehicles Act 1988.

6. How to find a network garage in Jalandhar?

You can use the official network garage locator from the insurer, search by city name, locality or PIN code and easily get a list of nearby partnered garages in Jalandhar.

7. What documents are required for filing a car insurance claim in Jalandhar?

Filing a car insurance claim in Jalandhar requires the car owner to submit a handful of documents. These documents may include a copy of the DL, a copy of the vehicle RC, a garage repair estimate, a copy of the car insurance policy, a copy of the police FIR, etc.

8. Are offline and online car insurance policies the same?

Yes. Offline and online car insurance plans are the same. Depending on your preference, you can choose to buy car insurance online or offline in Jalandhar.

9. Where can I check the policy details of my car insurance?

You can check the car insurance policy details on the policy document provided by the insurer. Alternatively, you can also use the insurer’s app or website to check the plan details after signing in with your registered number or email.

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Your Car Insurance is just a few steps away!

Premium starting

at Just ₹2094*

9000+

cashless Garagesˇ

Overnight Car

Repair Services

Premium starting

9000+ Cashless

Overnight Car

4.4

Car Insurance in Jalandhar

Features of Car Insurance

Types of Car Insurance Policies in Jalandhar

Personal accident cover

Third-party property damage

Injury to a third-party person

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

Benefits of Car Insurance

Financial protection

Liability coverage

Extensive security

Cashless facility

Worry-free ownership

Car Insurance Coverage

Accidents

Fire & explosion

In-transit damage

Theft

Calamities

Personal accident cover

Third-party legal liability

Depreciation

Consequential losses

Illegal driving

Breakdown

Geographical limitation

HDFC ERGO Car Insurance Add-ons

Return to invoice

Engine and gearbox protection

Zero depreciation

No claim bonus protection

Downtime protection

Emergency assistance cover

Why Should You Buy Car Insurance in Jalandhar?

Legal requirement

Local traffic conditions

Theft protection

Heavy rainfall in the region

How to Buy/Renew Car Insurance in Hyderabad?

Buying car insurance

Renewing car insurance

How to File a Car Insurance Claim?

1. Claim registration

2. Inspection

3. Damage repair

4. Settlement

Need for Car Insurance in Jalandhar

1. To avoid fines

2. To cover third-party damages

3. To reduce financial vulnerability

Cashless Garages in Jalandhar

Car Insurance for Popular Brands

Car Insurance for Popular Indian Models

cashless Garagesˇ Across India

Car Insurance Reviews & Ratings

4.4 Stars

PRATYUSH KUMAR

CHANDRASEKAR RAVI PRASAD

ISHA KOTHARI

DIPSHIKHA BISWAS

SANTOSH KUMAR RABHA

SUDHAKAR SUDHAKAR M

Akash Sharma

Rumit Patel

Gautam

Nisshant Bansal

ARNAB NAG

C B GANGADHARA

GAUTAM HUKKU

Prateek Benjamin

Vipin rai

Rajani Bala Karri