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Home / Motor Insurance / Car Insurance / Car Insurance in Visakhapatnam

Quick Quote for your Car Insurance

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Car Insurance in Visakhapatnam

Q: How can I get the best car insurance in Visakhapatnam?

Search online and compare multiple plans across different insurers. The best car insurance is the one that fits your budget and coverage requirements.

Q: How can I check car insurance premiums in Visakhapatnam?

Use an online car insurance premium calculator. You can use HDFC ERGO’s premium calculator for instant quotes.

Q: How much does four-wheeler insurance cost in Visakhapatnam?

Cost depends on factors like coverage type, car make and model, registration year, and more. For instant quotes, refer to HDFC ERGO.

Q: Can I renew my car insurance in Visakhapatnam?

Yes. You can renew your car insurance online via the insurer’s app or website.

Q: Is car insurance mandatory in Visakhapatnam?

Yes. A minimum third-party liability car insurance is mandatory across India, including Visakhapatnam.

Q: How to find a network garage in Visakhapatnam?

Use the insurer’s garage locator and search by city or pincode. HDFC ERGO’s garage locator will list network garages for Visakhapatnam.

Q: What documents are required for filing a car insurance claim in Visakhapatnam?

Required documents vary by claim type but generally include the insurance policy copy, vehicle RC, repair estimate and invoices, FIR (if applicable), and any other supporting documents.

Q: Are offline and online car insurance policies the same?

Yes. Car insurance sold offline and online provides the same coverage; you can choose the purchase method that suits you.

Q: Where can I check the policy details of my car insurance?

Check the hard copy of your policy documents or log in to the insurer’s mobile app or website to view the soft copy and policy details.

Visakhapatnam, also known as Vizag, is Andhra Pradesh’s largest as well as the most populous metro city. Due to its population size, you can expect a huge number of vehicles on its roads at any given time of the day. And it is common knowledge that where there is a huge number of vehicles, there is an increased risk of accidents. As a car owner in Visakhapatnam, it becomes essential for you to invest in a proper car insurance policy.

Car insurance protects your vehicle against loss or damage due to accidents, theft, fire, calamities, etc., and third-party legal liabilities. Go through the contents of this page for more details on car insurance in Visakhapatnam by HDFC ERGO.

Features of Car Insurance

The following chart highlights some of the key features of the HDFC ERGO car insurance policy;

Features	Description
Own damage cover	Covers any damage or loss to the car caused by accidents, fire, theft, calamities, etc.
Cashless garages	Offers cashless repairs through 9000+ network garages in PAN India.
Third-party liability cover	Covers accidental damage/loss caused to a third-party individual or property by the insured vehicle.
Add-on covers	Offers 8+ car insurance add-ons to improve coverage benefits.
24/7 customer assistance	Features a round-the-clock customer assistance mechanism and claims team.
No claim bonus	Option for additional savings with no claim bonus of up to 50%.

Types of Car Insurance Policies in Visakhapatnam

When buying car insurance in Visakhapatnam, you can pick from these plan types:

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

Comprehensive car insurance

The comprehensive car insurance offers coverage for own damage to the insured car as well as third-party legal liabilities. Additionally, you can enjoy NCB and cashless garage benefits with this plan type.

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

Benefits of Car Insurance

There are tons of advantages to buying car insurance in Visakhapatnam, such as the following:

Benefit	Description
Protects against third-party liabilities	One of the most crucial advantages of buying car insurance is its third-party liability cover. In the event of an accident involving your car that results in third-party damage/loss, the policy will help cover the legal liabilities arising from this mishap.
Cashless repairs	Arranging funds to deal with accidental damage to your car can take a long time. Thankfully, with the cashless repair benefit under the car insurance policy, you can get the necessary repairs for damages caused by any insurable peril done at a network garage. It eliminates any worries about upfront costs.
Secures against a wide range of perils	The own damage cover under standalone OD and comprehensive car insurance plans offers exhaustive protection. Not only does it secure your car against accidental damage, but also against any damage or loss due to theft, natural calamities, in-transit damage, man-made hazards, fire & explosion, etc.
Covers repair costs	The cost of accidental repairs and replacement of parts can be quite expensive. Thankfully, car insurance covers those expenses in the event the damage is done due to any insured peril. This eases the financial burden resulting from such mishaps.
Peace of mind	Alongside the extensive own damage and third-party liability cover, having a valid car insurance lets you comply with the legal requirements. You can enjoy peace of mind as a car owner, knowing your vehicle is protected against the unexpected and you are following the law.

Car Insurance Coverage

Car insurance in Visakhapatnam comes with the following coverage:

What is covered?
What is not covered?

Calamities

Any damage or loss to the insured four-wheeler as a result of natural or man-made disasters, like floods, earthquakes, riots, strikes, etc., is covered under the policy.

In-transit damage

Any damage to the insured four-wheeler during transportation via road, inland waterway, lift or rail is covered under the policy.

Theft

The policy offers adequate compensation as per the IDV in case the insured vehicle is stolen and not retrieved.

Accidents

It covers accidental damages sustained by the insured four-wheeler.

Third Party Liabilities

It covers legal liabilities arising from accidental third-party death, injury and property damage.

Fire & explosion

If the vehicle sustains any damage/loss due to fire and/or explosion, the policy will cover it.

Personal accident cover

Offers coverage for the owner-driver against accidental injuries, disablement or death.

Depreciation

The policy doesn’t provide coverage against the vehicle’s depreciation in value.

Illegal driving

If damages are caused by a person driving the four-wheeler while intoxicated or without a valid driving licence, the policy would not cover it.

Breakdowns

In case of electrical or mechanical breakdown/failure of the car, the resulting cost of repairs will not be covered under the policy.

Territorial limitation

The policy doesn’t provide coverage for loss/damage suffered by your car outside of India.

Consequential losses

The policy doesn’t provide coverage for consequential losses, i.e., losses that don’t directly occur due to an accident.

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

To enhance the coverage benefits of your car insurance in Visakhapatnam, you can choose from a wide selection of add-ons from HDFC ERGO. Here are some popular ones:

Zero Depreciation Cover

If you have this add-on included in your policy, the insurer will not deduct the depreciation rate from the final claim amount during car insurance settlements. Subject to terms and conditions.

No claim bonus protection

With this additional car insurance cover, you can protect your accumulated no claim bonus benefits even after raising an insurance claim during the policy term. Subject to terms and conditions.

Tyre secure cover

It covers expenses incurred on replacing the tubes and tyres of your four-wheeler in case they bulge, burst, puncture or face a cut due to an accident. Subject to terms and conditions.

Return to Invoice

The return to invoice car insurance add-ons helps you recuperate the invoice value of your four-wheeler in the event it suffers damage beyond repair or gets stolen. Subject to terms and conditions.

Downtime protection

If your car is in the garage for repairs, the downtime protection add-on cover will help you cover the expenses incurred on alternative means of transportation. Subject to terms and conditions.

Emergency assistance cover

In the event your four-wheeler suffers a mechanical breakdown, you can seek emergency assistance under this add-on. It usually covers stuff like towing, flat tyre replacement, key service, emergency fuel delivery, etc. Subject to terms and conditions.

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Why Should You Buy Car Insurance Policy in Visakhapatnam?

Here are some key reasons why you need to get the best car insurance in Visakhapatnam:

To protect your vehicle against theft

Vehicle theft remains a major issue in many parts of India, including Visakhapatnam. Your car is an expensive purchase, and if it gets stolen, it can cause a major financial burden. This is why you should buy car insurance, as it offers coverage against vehicle theft.

To get coverage against accidental damage

Road accidents in Visakhapatnam are quite common, and some of them even have fatal results. This is why you need car insurance, as it covers repair/replacement costs for accidental damage sustained by the car. Also, under the PA cover, the owner-driver gets coverage against accidental injury, disability and death.

To abide by the law

As per the Motor Vehicles Act, 1988, you need to have a valid car insurance for your four-wheeler to drive it on public roads in India. This is applicable throughout India, including Visakhapatnam. Hence, to abide by this law, you need to buy car insurance with at least third-party liability cover.

To get coverage against natural calamities

During the monsoon, Visakhapatnam and its nearby area become susceptible to landslides, flooding, storms, etc. Such natural calamities can cause heavy damage to your four-wheeler. This is why you should buy car insurance, as it protects the vehicle against damage due to natural disasters.

How to Buy/Renew Car Insurance in Visakhapatnam?

Buying/renewing a car insurance policy in Visakhapatnam is a matter of a few clicks. Here’s how to get it done online from HDFC ERGO:

1. Buy car insurance online

• Go to “Car Insurance” on the HDFC ERGO home page.

• Enter the necessary details and press “Get A Quote”.

• Provide the details of your car, like make & model, age, registration city, etc.

• Choose a coverage type and enter the past policy information (as applicable).

• Opt for add-ons and edit IDV as required.

• Check the final premium quote and pay it online to complete the purchase.

2. Renew car insurance online

• Head over to the HDFC ERGO website.

• Select “Car Insurance” from the “Renew” drop-down menu.

• Enter the current policy number and press “Renew Now”.

• Make adjustments as necessary and verify plan details.

• Complete the online premium payment to finish the renewal.

How to File a Car Insurance Claim?

If you want to file a car insurance claim in Visakhapatnam with HDFC ERGO, follow these steps:

1. Claim registration

For claim intimation, inform us via WhatsApp or call our toll-free number. Also, arrange the claim documents and upload them to the provided portal as instructed.

2. Vehicle inspection

Get the vehicle through the damage inspection as scheduled.

3. Damage repair

For cashless repairs, you can get the damage repaired at a network garage. For reimbursement claims, you can get the repairs done at any garage of your liking.

4. Final settlement

After approval, we will settle cashless claims directly with the network garage and reimbursement claims with the policyholder.

Need for Car Insurance in Visakhapatnam

Here are a few reasons why you need to have car insurance in Visakhapatnam:

To avoid penalties

Driving a car without valid insurance is against the law and attracts hefty fines and/or imprisonment. To adhere to the law and avoid such punishment, you need car insurance in Visakhapatnam.

To ensure financial protection

The costs incurred for accidental damage repairs can be quite expensive. Similarly, if your vehicle gets stolen, it can lead to a major financial burden. Thus, you need car insurance in Visakhapatnam as it protects you financially against such damage/loss.

To effectively compensate the third party

In the event of an accident, if there is any third-party damage or loss, the policy will help you efficiently compensate the affected party.

Cashless Garages in Visakhapatnam

Here’s how you can locate a cashless garage in Visakhapatnam under HDFC ERGO:

1. Go to the HDFC ERGO cashless garage locator website.

2. Search by city name or pincode, which, in this context, is Visakhapatnam.

3. Filter the search results by “4-Wheeler” and you will get all the necessary details.

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PRATYUSH KUMAR

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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.

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PRIVATE CAR PACKAGE
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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!

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
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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.

SANTOSH KUMAR RABHA

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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
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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.

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.