There are a lot of car manufacturers in the world car market, but only a few make innovations that change how we approach the future. One such company is Tesla, Inc., an American multinational automotive company that also focuses on clean
energy solutions. Tesla is known for their range of battery electric vehicles (BEVs) that are decked out with ingenious features and stylish looks with a special focus on luxury and comfort. However, to point out two of its best characteristics,
we have to mention the incredible acceleration and autopilot of the Tesla cars. Sealing its name in the industry with the 1st Generation Roadster, the current offerings from the company include the Model S, Model 3, Model X, Model Y, Cybertruck,
etc. If you are an EV enthusiast who appreciates luxury vehicles with innovative features and top-of-the-line specifications, Tesla cars are the way to go. In India, both Tesla owners as well as soon-to-be Tesla owners need to think
about getting a proper car insurance policy for their Tesla. Roads are unpredictable, and mishaps can cause massive financial damage/loss, which can be difficult to cope with. This is why investing in Tesla insurance comes in handy. For
different Tesla insurance options, you can check out the offerings by HDFC ERGO.
Why Do You Need Car Insurance for Your Tesla?
Here are some of the many reasons why having car insurance for your Tesla is an utmost necessity;
1
Liability protection
Tesla car insurance comes with liability coverage. So, in case your car causes an accident that results in bodily injury, death or property damage of a third party, any legal liabilities arising out of this situation will be covered under
Tesla insurance. It enables you to take care of the situation and compensate for the damages efficiently.
2
Financial coverage
Fixing up your Tesla means expensive repair bills. However, for damages caused by factors beyond your control, it doesn’t make sense to drain your wallet to get the necessary repairs done. The financial coverage of Tesla insurance
covers damages/losses caused by insured perils, so you don’t have to spend the big coins from your end.
3
Ease of repairs
Getting repairs done with Tesla insurance is much easier. You not only get prompt claim settlements and adequate financial compensation but also have access to quality repairs that you can avail yourself of from any of the cashless garages
under the insurer’s network.
4
Tension-free vehicle-owning experience
Having valid Tesla insurance lets you stay on the good side of the law, and its financial cover keeps you protected against a wide range of unforeseen events, including third-party liabilities and own damages. This eliminates a lot of
the worries that car owners experience, giving them the ultimate financial and mental peace.
5
Extensive coverage
Tesla insurance is noted for its extensive coverage range that not only includes third-party liabilities but also own damages caused by an array of unfortunate events. It protects your vehicle from damages/losses rendered by perils such
as theft, natural calamities, man-made hazards, fire, etc.
6
Law abidance
As per the Motor Vehicles Act 1988, all cars in India must be equipped with valid four-wheeler insurance that offers third-party liability protection at a minimum. To abide by this rule, you need to have valid insurance for your Tesla;
otherwise, driving it on public roads will be illegal and attract hefty fines.
How to Buy Tesla Car Insurance?
You can buy Tesla insurance offline by visiting any nearby HDFC ERGO branch or you can buy the policy online. Here’s how you can get it done;
Open your browser
Visit the official HDFC ERGO car insurance page on a browser of your choice and enter the details that the page asks for, i.e., your name, vehicle registration number, etc. After this, simply click on “Get A Quote” following
the phone number OTP verification step.
Select Plan
On the next screen, you will need to provide further details of the car, i.e., its make, model and variant, details about its registration, etc. Then you can choose from the available coverage options. You can sum this step up by providing
details of the previous car insurance policy.
Complete payment
After entering your contact information, you will be able to get the policy premium quote. You can then customise your plan by adjusting IDV, selecting add-ons, etc. Once you’re done, fill in your details and complete online payment
to complete the purchase.
Why Buy Tesla Car Insurance Online?
Buying Tesla car insurance online is very easy and anyone can get it done in just under a few minutes. Here are some main reasons to buy Tesla insurance online;
1
Plenty of options
On the internet, you can get access to various car insurance plans from different insurers. The options offline are quite limited as you are bounded by time and location. So, when purchasing car plans online, you can go through all available
options to find the most fitting deal.
2
Easy to compare
Buying Tesla insurance online makes comparing between the top options very easy. With just a push of some buttons, you can compare plans from the same or across different insurers to find which policy offers the better coverage for the
price. You can consider factors like price, inclusions, exclusions, etc., for your comparison.
3
Full transparency
When buying Tesla insurance online from the company website or app, you are dealing with the insurer directly. You will not have to deal with any pesky salesperson or middleman and hence can make a sound decision yourself free of any third-party
influence. Also, with access to the internet, you can verify and check everything before finalising the purchase.
4
No hidden charges
As there is no inclusion of a salesperson or middleman when buying Tesla insurance online, you don’t have to worry about paying anything extra for commission. You can check the detailed Tesla insurance premium breakup before checkout
to know exactly what you are paying for.
5
Saves time and paper
You can check multiple plans from different insurers and purchase the policy of your choice just from your phone or computer. As there’s no physical need to visit the offices of the insurers, buying Tesla insurance online can save
you a lot of time and effort. Additionally, the procedure is digital so no need to go through the hassle of paperwork.
6
Quick quotes
You can avail of the online premium calculator tool from the insurer’s page to get instant estimates on your desired policies. All you need to do is provide the details of the car and your ideal coverage needs and you will get the
quotes. This lets you adjust your plan accordingly to find the best coverage in your preferred budget.
Tesla Car Insurance Policy Inclusions & Exclusions
Following is a list of things that Tesla car insurance usually offers coverage for;
Accidents
The Tesla car insurance covers damages that your car suffers in an accident. It helps cover the expensive repair bills.
Fire & Explosion
Worried about your car catching fire or getting damaged due to an explosion? With Tesla car insurance, you don’t have to worry as it covers damages caused by such mishaps.
Theft
With Tesla car insurance, you won’t have to fret about losing your car to theft. In case your Tesla is stolen and not recovered, you will receive adequate financial compensation for the loss with respect to the vehicle IDV
and policy terms.
Natural/man-made calamities
The Tesla car insurance covers losses/damages to your car caused by natural calamities, like floods, storms, earthquakes, etc., or man-made hazards, like riots, strikes, terrorism, etc.
Personal Accident Cover
If the owner-driver suffers injuries, death or disability due to an accident, they or their nominees will receive financial compensation of up to INR 15 lakhs under the PA cover.
Third Party liabilities
Third-party legal liabilities arising out of the use of the car for third-party accidental death, injury or property damage will be covered under the policy.
In-transit damage
If your Tesla suffers damages while being transported by road, inland waterway, rail or lift, the policy will cover the losses.
The Tesla car insurance will not accept claims related to damages/losses such as;
Wear and tear
The Tesla insurance doesn’t cover depreciation or claims related to damages caused by general wear and tear.
Tyre & tube damage
The Tesla car insurance policy does not cover tyre and tube damages unless they occur due to an accident.
Illegal Driving
The Tesla car insurance will not cover damages by a person driving the car without a valid DL or under the influence of liquor and/or drugs.
Consequential losses
Losses that are not a direct cause of an accident or other damage are not covered under the Tesla car insurance plan.
Geographical limitation
If any damage/loss happens outside of India, the policy will not accept the related claims.
War
Damages or losses that are attributable to mutiny, nuclear risks or war remain outside the coverage scope of the Tesla car insurance.
Types of Car Insurance We Provide
You can pick from four types of Tesla car insurance from HDFC ERGO. Here is a detailed list of what we offer;
If you want exhaustive coverage for your Tesla, you need to invest in a comprehensive car insurance plan. It is an elaborate policy that protects
against not only own damages caused by insured perils but also third-party legal liabilities caused by the insured vehicle. It comes with cashless features and the ability to edit vehicle IDV and select add-ons.
X
Suitable for car lovers seeking all rounded protection, this plan covers:
Third party car insurance only offers the base coverage required by the law, i.e., third-party legal liability cover. It means that in case your
car causes an accident that leads to third-party fatalities, injuries or property damage, the third-party car insurance will take care of the arising legal liabilities due to it.
X
Suitable for those who use the car infrequently, this plan covers:
The standalone own damage cover only covers the damages that your Tesla suffers due to fire, theft, accidents or any other insured peril. This plan is optional and doesn’t offer any third-party cover. You can pick this plan
to secure your car against own damages on top of an existing third-party plan.
X
Suitable for those who already have a valid third party cover, this plan covers:
New Tesla car buyers can opt for this car insurance policy. It is a long-term plan for new cars that offers own damage cover for a year alongside third-party liability cover for three years.
X
Suitable for those who have purchased a brand new car, this plan covers:
How to Make a Claim for Your Tesla Car Insurance Policy?
Making Tesla insurance claims with HDFC ERGO is only a four-step process. Here’s what you need to follow;
Step 1
First, you need to register the car insurance claim with us. You can do so by calling us on our official toll-free number or via our official WhatsApp number.
Step 2
Go through the survey procedure where one of our surveyors will inspect your vehicle and its damages and send us its report. You also need to upload the documents associated with the specific car insurance claim on the portal as instructed
by our official.
Step 3
You can get your Tesla fixed at a repair facility of your choice, pay the bill from your pocket and submit paperwork for reimbursement claims. For cashless claims, you need to get your Tesla fixed at one of our network garages.
Step 4
Cashless and reimbursement claims that are approved will be settled with the network garage and vehicle owner, respectively.
Road mishaps in India led to the death of 1,68,491 people. Buy Comprehensive Car Insurance to get coverage for any accidental damages.
HDFC ERGO system is in place and staffs are well trained. They know exactly what is required by the client. I was able to resolve my requirement in 2-3 minutes. Well done.
GAUTAM KUMAR SAHOO
PRIVATE CAR COMPREHENSIVE POLICY
21 November 2024
CHAIBASA
HDFC ERGO's chat team member helped me to know whether ekyc was linked to my policy or not. The customer care executive also guided me how to link it. I appreciate the quick response and helpful nature of your executive.
RAGLI BAGRA
PRIVATE CAR PACKAGE POLICY BUNDLED
18 October 2024
EAST SIANG
I appreciate the quick response of your customer care team. Thank you.
MR RAJAN MAHENDRA
PRIVATE CAR OD ONLY
19 September 2024
CHENNAI
I must say that customer service experience at your Guindy office was amazing.
JAYDATT CHETANBHAI MAHAJAN
PRIVATE CAR PACKAGE POLICY BUNDLED
30 August 2024
SURAT
Excellent service by your customer care team.
ROBIN KOSHY CHERIAN
PRIVATE CAR COMPREHENSIVE POLICY
23 August 2024
BENGALURU
I think that the HDFC ERGO system works efficiently and they have hired well-trained staff to handle client queries. My problem was resolved in just 2-3 minutes.
GAUTAM KUMAR SAHOO
PRIVATE CAR COMPREHENSIVE POLICY
21 August 2024
CHAIBASA
Your customer care executive helped me easily identify whether ekyc was linked to my policy. I appreciate the helpful nature of that person.
MR RAJAN MAHENDRA
PRIVATE CAR OD ONLY
16 August 2024
CHENNAI
I had a good experience with the customer service officer at your Guindy branch in Chennai.
RAGLI BAGRA
PRIVATE CAR PACKAGE POLICY BUNDLED
16 August 2024
EAST SIANG
Thank you HDFC ERGO customer care team for your quick response.
PRASAD SUDHAKAR BHARDWAJA
PRIVATE CAR COMPREHENSIVE POLICY
9 August 2024
PUNE
The process at HDFC ERGO is simple and I always receive quick responses to my mail every time from your team.
SRIDHAR AKULA
PRIVATE CAR PACKAGE POLICY BUNDLED
7 August 2024
CHENNAI
My claim request went well in the end. Initially I found difficult raising the claim, however, in the end everything was resolved.
HARDIK RAJESHKUMAR AGRAWAL
PRIVATE CAR COMPREHENSIVE POLICY
31 July 2024
VADODARA
Customer care services provided by HDFC ERGO is remarkable.
SURAJ KUMAR
PRIVATE CAR LIABILITY ONLY
30 July 2024
JAMMU
The customer care executive person was very humble and soft-spoken. Your team members have perfect telephone etiquette with remarkable voice modulation.
TAKHI SHAKEEL MOULAVI
PRIVATE CAR PACKAGE POLICY BUNDLED
25 July 2024
SOLAPUR
My experience with HDFC ERGO is excellent.
AJAY KUMAR KAUL
PRIVATE CAR PACKAGE POLICY BUNDLED
19 July 2024
FARIDABAD
HDFC ERGO team provides good support to the customer.
CHHAGAN LAL
PRIVATE CAR COMPREHENSIVE POLICY
12 July 2024
DAHOD
I must say that HDFC ERGO provides the best services to their customers.
VIKRAMADITYA RAI
PRIVATE CAR PACKAGE POLICY BUNDLED
14 June 2024
VARANASI
HDFC ERGO provides the best customer car service. I like their behaviour of responding promptly and instantly starting the work on that query.
N S KUMAR NA
PRIVATE CAR COMPREHENSIVE POLICY
14 June 2024
CHENNAI
The customer care executive who attended to my call was extremely courteous, and called me thrice to resolve the issue. Full marks to the customer care team for superb customer care attitude.
VIJAY SHANKAR MENON
PRIVATE CAR
25 May 2024
COIMBATORE
Your sales manager was very helpful and proactive in getting the policy renewed.
TUMULURI RAVI KUMAR
PRIVATE CAR COMPREHENSIVE POLICY
21 May 2024
BENGALURU
HDFC ERGO provides doorstep services and are very excellent at their work. Whenever I have approached your team, they have provided quick solution to my query.
MOHIT VERMA
PRIVATE CAR POLICY
14 May 2024
GHAZIABAD
I have chosen HDFC ERGO first time for my four-wheeler and I am glad to say that they provide really good services. The self inspection option is really good for saving valuable time of the customer. I thanks HDFC ERGO
team for always providing good customer experience.
EMME SALOMI
PRIVATE CAR
10 May 2024
MEDAK
We can access HDFC ERGO car insurance policy details at anytime easily. Your customer care representatives are very friendly.
FARHAN NAZIR
PRIVATE CAR POLICY
29 April 2024
PULWAMA
HDFC ERGO customer care team believes in providing quality service.
MADAPARTHI NARENDRA
PRIVATE CAR POLICY
20 April 2024
VIDAVALUR
HDFC ERGO provides hassle-free services. Pleased with the quick action and process for attending the customer query.
TARESHKUMAR SHAMBHUBHAI PATEL
PRIVATE CAR POLICY
18 April 2024
AHMEDABAD
HDFC ERGO has good staff in their customer care team. I hope they continue providing the best services to their policyholders.
Read the Latest Tesla Car Insurance Blogs
Role of Comprehensive Car Insurance in Protecting Your Investment
Yes. In India, you need to have valid car insurance for your car, regardless of whether it is a traditional car or an EV. Without a valid insurance, you won’t be able to legally operate your Tesla on public roads
in India.
The comprehensive Tesla car insurance generally offers coverage against accidental damages, theft, third-party liabilities, in-transit damage, natural/man-made calamities, etc.
The standard Tesla car insurance doesn’t cover depreciation. However, with a zero depreciation add-on, you can get coverage for depreciation, i.e., reduction of the car’s value with time and usage.
Yes. To check the present details of your Tesla car insurance, simply sign in to the website or app of the insurer with your credentials, go to the active policy section, choose the Tesla insurance and check its details.
A ₹ 5 coin is the best substitute of tire depth gauge for measuring the remaining tire depth!