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Home / Motor Insurance / Car Insurance / Compare Car Insurance Policies Online - HDFC ERGO

Compare Car Insurance Policies Online

 Car Insurance Comparison

In today’s day and age, several individuals choose to get around town with the aid of their own car. Cars are convenient forms of transportation as they allow people to get from one place to another in a reasonable amount of time. An important aspect of owning a car today is owning an accompanying car insurance policy that helps protect the owner of the vehicle.

The value of car insurance lies in the fact that it provides coverage in the event that the policyholder’s car is damaged in an accident or natural disaster or if it has been stolen or vandalised. As opposed to having to pay out-of-pocket for any of these damages that the vehicle might sustain, policyholders are required to pay car insurance premium to their car insurance company. As a result of this payment, car insurance providers pay for some, if not all, the costs associated with damage sustained to the respective cars of policyholders.

The importance of car insurance is made clear in the Motor Vehicle Act of 1988 which stipulates that car insurance is a legal requirement for all car owners to possess. Third-party liability car insurance is a must and even the most basic car insurance plans are required to provide this form of coverage.

Why Car Insurance Comparison is Important?


Given that there exist several different car insurance plans available in the market today, it is important to compare the varied car insurance plans you come across. These comparisons are best made online as more information is accessible on the internet and it is often easier to draw comparisons across several different categories. Comparisons allow you to accurately determine the best car insurance plan available that provides several benefits for a low price. Consider the following key factors associated with these comparisons.

Value for Money

Value for Money

For starters, by comparing different car insurance policies keeping in mind their price, you will be able to determine whether they are suitable for your budget or not. Third-party car insurance policies are often far more affordable than comprehensive car insurance plans. That being said, the former doesn’t provide as much coverage in comparison to the latter. Comprehensive car insurance policies provide an added layer of coverage as they offer add-ons ranging from zero depreciation cover to roadside assistance cover

Coverage Options

Coverage Options

By drawing comparisons between different car insurance policies, you will be able to understand which policy will provide you with the most appropriate coverage. Coverage options range from third-party car insurance plans to those that are comprehensive policies. In the case of third-party car insurance plans, policyholders’ avail of the bare minimum form of coverage in contrast to comprehensive policies which have several optional add-ons.

Better Service

Better Service

When you compare different car insurance policies you will be able to better ascertain the kinds of services offered under each plan. It is worth noting the after-sales services that a car insurance provider provides. HDFC ERGO for instance provides its policyholders with several additional services that include overnight car repair services. It has a huge network of cashless garages that are spread across the country.

Convenience Guaranteed

Convenience Guaranteed

Availing of valid car insurance is a must not only because it is a legal requirement but because it provides car owners with convenience. Availing of car insurance is a straightforward and easy process that can be completed from the comfort of one’s home. Interested applicants are simply required to fill out the required details such that they can get an instant quote.


Comparing Car Insurance by Policy Types

Before you compare car insurance online, you must know about different policy types. Here are different car insurance policy you can opt.
Third Party Car Insurance: A third party car insurance policy covers you against any third party liabilities that are damage caused to someone else’s property/vehicle or injuries to someone while driving your insured car. However, you cannot raise a claim for own-damage to your vehicle with this cover. Buying a Third-party car insurance policy is mandatory under The Motor Vehicles Act of 1988.
Comprehensive Car Insurance: Compared to a third party car insurance policy, a comprehensive policy will cover damages/injuries to third-party and Own Damages. It means a comprehensive cover will provide coverage for damages to your car in case of an accident, fire, natural calamities, man-made calamities, theft and any insurable peril.
Standalone Own Damage Cover: A standalone own damage policy protects you from loss of expense due to car damage by accident, a natural disaster, earthquake, fire, theft, etc. Own Damage insurance, in contrast to standard third party car insurance, is optional. If you already have a third party car insurance policy, which is a mandatory requirement, adding your own damage coverage will guarantee that your vehicle is always fully insured.

Important Factors Used to Compare Car Insurance Policies


There are several factors that come into play when different car insurance policies are compared with one another. Some of the more pertinent of these have been examined below.

Price
Different car insurance policies are tethered to different price tags. The ideal car insurance policy should provide you with the maximum benefits for the least amount of money. When comparing different car insurance policies, it is worth noting that third party car insurance plans are offered at a lower price in comparison to comprehensive car insurance plans. This is owed to the fact that the coverage provided in the case of third-party car insurance plans is restricted to the bare minimum.
Coverage
As there are several car insurance plans available in the market today, comparing them according to their coverage can reveal the extent of protection they provide. While third party car insurance plans only provide coverage in case of third-party liability, comprehensive car insurance plans provide coverage against damage in addition to third party liabilities. Optional add-ons available allow policyholders to expand the scope of their coverage.
Reviews
Prior to purchasing any car insurance plan, it is incredibly important to compare the reviews left by others who have previously purchased the car insurance plans under consideration. These reviews are available online and provide insight into policyholders’ experiences with their car insurance providers and their plans. While good reviews can help reassure you of a plan’s merit, bad reviews can make clear the potential flaws associated with a plan.
Claim records
The claim records associated with a car insurance provider indicate their reliability and the efficiency with which they provide claims in the event that policyholders’ raise them. High claim records are encouraging and indicative of reliability. HDFC ERGO for instance has a 100% Claim Settlement Ratio^ which is very encouraging
Cashless garages
What makes a good car insurance policy stand out when comparisons are drawn between different plans is the number of cashless garages associated with the plan in question. The greater the number of cashless garages belonging to a car insurance provider’s network, the wider the availability of services. HDFC ERGO boasts over 6700+ cashless Garagesˇ which are spread across the country.
Price
Different car insurance policies are tethered to different price tags. The ideal car insurance policy should provide you with the maximum benefits for the least amount of money. When comparing different car insurance policies, it is worth noting that third party car insurance plans are offered at a lower price in comparison to comprehensive car insurance plans. This is owed to the fact that the coverage provided in the case of third-party car insurance plans is restricted to the bare minimum.
Coverage
As there are several car insurance plans available in the market today, comparing them according to their coverage can reveal the extent of protection they provide. While third party car insurance plans only provide coverage in case of third-party liability, comprehensive car insurance plans provide coverage against damage in addition to third party liabilities. Optional add-ons available allow policyholders to expand the scope of their coverage.
Reviews
Prior to purchasing any car insurance plan, it is incredibly important to compare the reviews left by others who have previously purchased the car insurance plans under consideration. These reviews are available online and provide insight into policyholders’ experiences with their car insurance providers and their plans. While good reviews can help reassure you of a plan’s merit, bad reviews can make clear the potential flaws associated with a plan.
Claim records
The claim records associated with a car insurance provider indicate their reliability and the efficiency with which they provide claims in the event that policyholders’ raise them. High claim records are encouraging and indicative of reliability. HDFC ERGO for instance has a 100% Claim Settlement Ratio^ which is very encouraging
Cashless garages
What makes a good car insurance policy stand out when comparisons are drawn between different plans is the number of cashless garages associated with the plan in question. The greater the number of cashless garages belonging to a car insurance provider’s network, the wider the availability of services. HDFC ERGO boasts over 6700+ cashless Garagesˇ which are spread across the country.

Benefits of Comparing Car Insurance Online


There are numerous benefits to compare car insurance online. Let us see some benefits below:

1

Choose a Policy with the
Best Coverage Benefits

If you compare car insurance online, it allows you to choose a policy that offers the best coverage. You can compare car insurance policies side-by-side and evaluate your requirements and what the policy offers. That way, you can choose the best car insurance plan with wide-ranging coverage benefits.
2

Save on the Premium
Costs

The pricing of every car insurance policy is designed differently. To find the car insurance policy with the lowest premium rate without compromising coverage, comparing is essential. When you compare, you can see the premiums charged by the different policies along with their coverage benefits and then choose the best deal.
3

Make Claim Settlements
Easier

When you compare car insurance online, it also allows you to simplify your claim settlements. You can compare the number of cashless garages tied up with the insurer and the claim settlement process to choose the right insurance plan. You can also compare the claim settlement ratio of different insurance companies and choose the insurer with a higher ratio to increase your chances of claim settlements.

How Do I Purchase a Insurance Policy After Comparison


  • After you compare car insurance online, you can simply purchase it by going through following steps:

  • Step 1 - Visit the insurer website.

  • Step 2 - Navigate to car insurance page from that website.

  • Step 3 - Enter your vehicle registration number along with make model details.

  • Step 4 - Choose between comprehensive or third party car insurance policy.

  • Step 5 - Opt for add-on covers like zero depreciation, no claim bonus protection if you opt for comprehensive cover.

  • Step 6 - View quote, pay the premium online and you will immediately get the car insurance policy online at your registered email id.

Things You Should Remember While Comparing Car Insurance Policies!

• Cost: It is important to invest in a car insurance policy that offers maximum coverage in the price it is availble. Consider looking for the best car insurance plan while comparing car insurance online.
• Reviews: When you go online, you will find several reviews that will give you an idea of how important car insurance is and how well it will meet your needs. While checking the best car insurance policy, check customer reviews before hitting the buy button.
• Coverage: When you compare car insurance policies, always consider the coverage offered. Even check out the add-on covers available with the comprehensive cover, which will increase the premium cost but will help you get benefits during car insurance policy renewal.
• Read the car insurance policy thoroughly: It is vital to look at the details in the car insurance contract, which can lead to miscommunication with the insurer at the time of claim. So, read the contract thoroughly to avoid claim rejection.
• Garages Part of the Network: Always remember to check the number of cashless garages network of the insurer when you compare car insurance online.
• Insurance Company History: The insurance company's claim history must be taken into consideration when comparing car insurance online. Choose a company with a high claims settlement ratio.
• No-Claim Bonus: When you compare car insurance quotes, be sure that the NCB is considered since a quotation may be issued without the NCB. This discount grows with the number of consecutive claim-free years and can reach upto 50%.

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Frequently Asked Questions On Compare Car Insurance Plans


By drawing comparisons between different car insurance policies, you can determine the benefits that each plan provides based on the premiums tethered to each of them. You can also determine which plan is best suited to your budget. If you have a modest budget, then a third-party car insurance plan is ideal as the premium associated with it is much lower in comparison to the premiums associated with comprehensive car insurance plans.

Car insurance plans can be compared online in the comfort of your home. The benefits associated with comparing these plans online are ample.

● For starters, it is easier to draw comparisons online as there is more information available.

● Next, it is possible to read several reviews online pertaining to the different car insurance plans in question.

● You can educate yourself on the different policies available and learn their premiums which can help you make an economically sound decision.

● You can make these comparisons at any point in time and aren’t pressured by a salesman who might have an incentive to favour one insurance plan.

Car insurance policies can be effectively compared online by taking a look at the following factors pertaining to the policies in question. These factors include the following.

● Premium Charged – Different policies have different premiums which must each be considered as per your budget.

● Coverage Provided – While more comprehensive policies provide more coverage, third-party car insurance policies tend to be limited in the scope of their coverage.

● Claim Records – It is important to compare different car insurance providers’ claim settlement ratios to determine how likely they are to provide coverage.

● Network of Cashless Garages – The more cashless garages a car insurance provider has under its network, the better the car insurance policy.

Third party car insurance policies are the least expensive car insurance plans. This is owed to the fact that they only provide coverage in case of third-party liability and don’t include more holistic forms of coverage. Comprehensive car insurance policies which provide optional add-ons are more expensive as the scope of their coverage is more expansive.
In order to check the different forms of car insurance policies available for your car you must begin by providing details about what car you have on a car insurance provider’s website, take, for instance, HDFC ERGO. These details include the car’s brand, model, and version. The time at which this vehicle was purchased is equally important as the newer a vehicle, the greater its value. The city of registration and the validity of a previous car insurance policy (if any) for your vehicle are also required to be submitted. Once these details have been made clear, the website will provide you with the varied forms of car insurance plans available for your automobile.
The best way to compare car insurance online is to check the coverage offered in the price quoted by the insurer. You should also check the number of cashless network garages with the insurer and their claim settlement ratio.
The effective way to compare car insurance online is to check prices of car insurance policies with different insurer. The coverage offered in the price quoted should be considered.
It is wise to opt for comprehensive car insurance policy as it will provide coverage for own damage to vehicle due to an insurable peril along with third party liabilities involving the insured person vehicle in an accident.
You can compare car insurance online by visiting each insurer website. It is necessary to check the coverage offered by different insurer.
Yes, it is absolutely safe to buy car insurance online. You can view the quote online and make payment through net banking or UPI.
The car insurance premium at HDFC ERGO starts at Rs 2094.
You can opt for 8+ add-on cover along with your comprehensive car insurance policy.
Avoid opting unnecessary add-on covers and by installing safety devices in your car you can reduce car insurance premium.
The best way to buy car insurance is through HDFC ERGO website, as you can purchase the policy online within few minutes.