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Car Insurance in Mysore
Investing in a solid car insurance policy in a city like Mysore has become quite rudimentary for car owners. The growing traffic congestion and road accidents resulting in fatalities in the city are things that should be taken seriously. This is where car insurance in Mysore comes into play. It offers coverage in case the insured vehicle is damaged, stolen, or causes third-party liabilities.
Features of Car Insurance
Here is a list of practical features that come with a car insurance policy in Mysore;
| Features | Details |
| Liability coverage | Covers legal liabilities resulting from third-party property damage, injury and death. |
| Own damage coverage | Covers own damage to the insured car due to accident, fire, terrorism, flood, theft, etc. |
| Cashless network | Accessible cashless claims with an extensive network of 9000+ partnered garages across India. |
| Attractive premiums | Car insurance premium starts at ₹2,094*. |
| No Claim Bonus discounts | Earn and avail NCB discounts of up to 50%. |
| Add-ons | 8+ car insurance add-on choices to fulfil flexible coverage needs. |
Types of Car Insurance Policies in Mysore
There are mainly three types of car insurance offered for purchase in Mysore, namely;
Comprehensive Car Insurance
Third-party liability coverage
Standalone Own Damage Cover
Comprehensive Insurance
The comprehensive car insurance in Mysore offers the most extensive coverage benefits. It's all-around protection includes cover for own damages to the insured car as well as legal liabilities arising from accidental third-party damages/losses.
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
Benefits of Car Insurance
These are some of the main advantages of investing in car insurance in Mysore;
1
Affordable security
Our car insurance plans are competitively priced and available at very reasonable rates. Considering the exhaustive coverage offered, they can be quite a value for money. In addition, you can earn and use NCB to get additional discounts
on insurance premiums.
2
Flexible protection
With car insurance, you get options to pick from. It helps to fulfil your desired coverage needs within the preferred budget. Besides choosing between different plan types, you can also enhance the coverage scope by editing the vehicle
IDV and including add-ons.
3
Both parties' coverage
With car insurance in Mysore, you can get coverage for not only third-party damages but also for damages sustained by your four-wheeler due to perils like accidents, theft, fire, calamities, etc. It makes sure that you are protected on
both fronts.
4
Financial safety
Even if you account for unforeseen expenditures, tackling accidental repairs or theft of your car can be difficult to cover from your pocket. With car insurance in Mysore, you can get appropriate financial coverage to deal with such major
expenses.
5
Peace of mind
Having car insurance gives car owners much-needed peace of mind. They enjoy worry-free ownership, knowing they are following the law and their cars are covered against unforeseen losses.
Car Insurance Coverage
The following is a list of inclusions and exclusions of the car insurance policy in Mysore;
Accidents
Car insurance in Mysore offers coverage for own damage to the insured car caused by an accident.
Fire & explosion
If the insured vehicle suffers damage due to catching fire and/or explosion, the car insurance in Mysore will offer coverage for it.
In-transit damage
If the insured vehicle gets damaged during transportation by inland waterway, lift, road or rail, the policy will offer financial compensation for the loss.
Theft
If the insured car gets stolen, the insurer will offer financial compensation as per the policy to help the vehicle owner cope with the loss.
Natural & man-made calamities
Any damage to the vehicle due to natural or man-made calamities, like floods, landslides, terrorism, riots, etc., is covered under the car insurance policy.
Personal accident cover
Coverage of up to INR 15 lakhs for the registered owner of the insured car under the PA cover
Third-party legal liability
The policy covers legal liabilities resulting from accidental third-party injury, death and property damage caused by the insured vehicle.
Depreciation
The policy doesn’t offer coverage for the depreciation of the four-wheeler.
Illegal driving
The car insurance policy will not accept claims for damages caused by a person driving the insured vehicle under the influence of alcohol and/or drugs or without a valid driving licence.
Mechanical or electrical breakdowns
The car insurance plan doesn’t provide coverage for damages due to mechanical or electrical failure/breakdown.
Territorial limitation
If the insured car suffers any damage or loss while it's in use outside of the Indian borders, the policy will not cover it.
Consequential losses
The policy doesn’t include coverage for any consequential loss, i.e., losses not occurring directly due to an insured peril.
HDFC ERGO Car Insurance Add-ons
The following are some of the most popular car insurance add-ons offered by HDFC ERGO;
1
Zero depreciation cover
With the zero depreciation add-on, the insurer will not deduct the depreciation rate from the final claim amount during settlements. This means you can get the full value for the repair/replacement of the damaged car part, ensuring higher
payouts.
2
Emergency assistance cover
By including this add-on to your car insurance in Mysore, you can get round-the-clock assistance from us for emergencies arising from the breakdown of your vehicle. It covers vehicle key service, flat tyre repair, minor on-site repairs,
accommodation arrangements, etc.
3
Tyre secure
This add-on provides coverage for the cost of replacing the tyres and tubes of the insured car. It is applicable in case the vehicle’s tyres and tubes puncture, bulge, burst or get cut during an accident.
4
Cost of consumables
This car insurance add-on covers the cost of replacing consumable items, such as AC gas, nuts and bolts, engine oil, washers, filters, etc. It can save you a lot in out-of-pocket expenses.
5
Return to invoice
The return to invoice (RTI) car insurance add-on provides coverage in case of total loss or constructive total loss of the insured car. It helps you recover the vehicle’s invoice value in case it gets stolen or damaged beyond repair.
6
EMI protector
Under this add-on, the insurer will pay the insured a sum value equal to the EMI amount in case the car is kept in the garage for over 30 days for accidental repairs.
Car Insurance claim process is a cakewalk with us on your side. All set to buy car insurance plan?
Why Should You Buy Car Insurance in Mysore?
Here are some of the main reasons why investing in car insurance in Mysore is a wise choice;
1
Rising traffic congestion
Reports suggest the traffic congestion in the city is reaching alarming levels. An increased number of vehicles not only causes traffic congestion but also heightens the risk of accidents. Hence, you should buy car insurance to safeguard
your car against such accidental damage.
2
Flood risk
The neighbouring areas of Mysore are prone to floods and waterlogging after heavy rainfall. Just last year, the Mysuru-Ooty road was submerged in water due to overflowing Kapila. So, as a Mysore-based car owner, it is better to invest
in car insurance as it covers own damage to the car due to natural calamities, including floods.
3
Instances of vehicle theft
If you are a resident of Mysore, you must be aware of the vehicle theft cases in and around the city in recent years. As a vehicle owner, getting your car stolen can be a nightmare to even think about. Hence, it is widely recommended to
invest in car insurance as it covers car theft.
4
Law compliance
One of the key reasons why you should buy car insurance in Mysore is to abide by the law and fulfil your moral obligation. The Motor Vehicles Act 1988 makes it mandatory for all cars running on Indian public roads to have a valid motor
insurance.
How to Buy/Renew Car Insurance in Mysore?
In just a few clicks, you can easily buy/renew car insurance in Mysore online from HDFC ERGO. Here are the steps for this process;
Buying car insurance
1. Visit the official HDFC ERGO car insurance page.
2. Click “Get A Quote” after providing your name, city and phone number.
3. Submit the details of the vehicle, such as its make, model, variant, age, etc.
4. Pick the plan type, followed by submitting the last policy details.
5. Choose add-ons and edit the vehicle IDV as necessary.
6. Go to the online payment gateway and pay the premium.
Renewing car insurance
1. Go to the HDFC ERGO car insurance page.
2. Click “Renew Existing HDFC ERGO Policy”,
3. Provide the existing car insurance policy number and press Enter.
4. Verify the plan details and make adjustments (as needed),
5. Complete online premium payment to finish the policy renewal.
How to Buy/Renew Car Insurance in Mysore?
In just a few clicks, you can easily buy/renew car insurance in Mysore online from HDFC ERGO. Here are the steps for this process;
Buying car insurance
1. Visit the official HDFC ERGO car insurance page.
2. Click “Get A Quote” after providing your name, city and phone number.
3. Submit the details of the vehicle, such as its make, model, variant, age, etc.
4. Pick the plan type, followed by submitting the last policy details.
5. Choose add-ons and edit the vehicle IDV as necessary.
6. Go to the online payment gateway and pay the premium.
Renewing car insurance
1. Go to the HDFC ERGO car insurance page.
2. Click “Renew Existing HDFC ERGO Policy”,
3. Provide the existing car insurance policy number and press Enter.
4. Verify the plan details and make adjustments (as needed),
5. Complete online premium payment to finish the policy renewal.
Need for Car Insurance in Mysore
You need car insurance in Mysore for a variety of reasons. For instance, you need a car insurance policy;
1
To drive legally
Car insurance is required in Mysore if you wish to drive your car legally on public roads. This way, you can comply with the law and avoid paying hefty fines for driving without insurance.
2
To get additional benefits
With car insurance add-ons, you can avail of various added benefits, such as emergency roadside assistance, EMI protection, downtime protection, etc. This makes your overall car ownership experience better.
3
To reduce downtime
Under car insurance, you can avail of prompt cashless repairs without worrying about upfront bills. The hassle-free claim process also makes reimbursement claims fast. This ensures your vehicle gets back in action in no time.
Cashless Garages in Mysore
To locate nearby network garages under HDFC ERGO in Mysore, you can follow these steps;
1. Head to the official HDFC ERGO cashless garage locator.
2. Search by city name “Mysore” or pincode.
3. Use the filter option
“4-Wheeler” to narrow the search results.
4. Get the list of available garages in your locality along with their contact details and address.
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Car Insurance Reviews & Ratings
PRATYUSH KUMAR
PRIVATE CAR PACKAGEPOLICY 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 PACKAGEPOLICY 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 CARCOMPREHENSIVE 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 CARCOMPREHENSIVE 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 CARCOMPREHENSIVE 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 CARCOMPREHENSIVE 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 Policy7th 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 Policy23 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 Policy27 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 Policy25 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 Policy2 Feb 2023
WEST BENGAL
HDFC ERGO team is good in communication and also quick in taking action.
C B GANGADHARA
Private Car Insurance Policy6 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 Policy13 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 Policy18 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 Policy16 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 Policy30 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 Policy23 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
To ensure you get the best car insurance in Mysore, make sure to search for policies online and compare plans across insurers based on coverage, exclusions, premiums, CSR, etc. This way, you can find the most suitable plan
for your car.
To check the premium of the car insurance plan you want to purchase, use the preferred insurer’s official car insurance premium calculator tool. By entering details of the vehicle and desired coverage, you can instantly
get quotes from this online tool.
The cost of car insurance in Mysore depends on factors like selected plan type, add-ons, IDV, vehicle details, and so on. To get car insurance premium quotes for your car, use the online four-wheeler premium calculator
tool.
Yes. You can easily renew your car insurance in Mysore offline by visiting the insurer’s local office. Otherwise, you can also renew an existing policy online in just a few clicks via the insurer’s official
app or website.
Yes, car insurance is mandatory in Mysore. As per the Motor Vehicles Act 1988, all cars running on public roads in India need to have a valid car insurance with a minimum of third-party liability coverage.
To find a network garage in Mysore, you have to use the official garage locator from the insurer. You can just enter the city name or PIN code, and a list of available garages near you will be displayed.
Documents that are usually required for filing a car insurance claim in Mysore may include a cancelled cheque, an Aadhaar Card, a duly filled and signed claim form, a copy of the vehicle’s RC, a copy of the driver’s
DL, a copy of the FIR (if any), etc.
Yes. Car insurance purchased offline and online is the same.
All details of the policy are mentioned in the policy documents, so you can check that. You can easily get a digital copy from the insurer’s website or app by logging in with your registered ID.
You can now secure your car before your favourite song gets over, in less than 3 mins!
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