एचडीएफसी एर्गो कॉम्प्रिहेंसिव इंश्योरेंस के साथ अपनी कार के लिए पूरी सुरक्षा पाएं

आपके कार इंश्योरेंस के लिए तुरंत कोटेशन

मैं एचडीएफसी एर्गो जनरल इंश्योरेंस को 10pm से पहले मुझसे संपर्क करने के लिए अधिकृत करता/करती हूं. मैं समझता/समझती हूं कि यह सहमति मेरे NDNC रजिस्ट्रेशन को ओवरराइड करेगी.

सहायता चाहिए? हमारे एक्सपर्ट से 022-62426242 पर बात करें

मोटर इंश्योरेंस UIN: IRDAN125P0005V01200203. UID: MI-D2960

प्रीमियम शुरू होता है

₹2094 से*

9000+ कैशलेस

गैरेज^ˇ

ओवरनाइट व्हीकल

रिपेयर-

4.4

ग्राहकों की रेटिंग्स

होम / मोटर इंश्योरेंस / कार इंश्योरेंस / कॉम्प्रिहेंसिव कार इंश्योरेंस

आपके कार इंश्योरेंस के लिए तुरंत कोटेशन

सहायता चाहिए? हमारे एक्सपर्ट से 022-62426242 पर बात करें

कॉम्प्रिहेंसिव कार इंश्योरेंस

कॉम्प्रिहेंसिव कार इंश्योरेंस एक ऐसी पॉलिसी है जो आपके वाहन के लिए व्यापक फाइनेंशियल सुरक्षा प्रदान करती है. अगर आपकी कार को कोई नुकसान होता है, तो इंश्योरेंस कंपनी पॉलिसी की शर्तों के अनुसार, मरम्मत की लागत के बराबर फाइनेंशियल सहायता प्रदान करती है. हालांकि विशिष्ट कवरेज हर प्लान के लिए अलग-अलग हो सकती है, लेकिन एक स्टैंडर्ड कॉम्प्रिहेंसिव पॉलिसी आमतौर पर दुर्घटनाओं, चोरी, आग, भूकंप, बाढ़, तूफान और भूस्खलन जैसी प्राकृतिक आपदाओं के साथ-साथ विध्वंस या दंगों जैसी मानव निर्मित घटनाओं से आपकी कार को सुरक्षित करती है. इसके साथ ही, यह थर्ड पार्टी लायबिलिटीज़ को भी कवर करता है, जो एक कानूनी आवश्यकता है.

कॉम्प्रिहेंसिव कार इंश्योरेंस क्या है?

अधिक पढ़ें

What Are the Key Features of Comprehensive Car Insurance?

A comprehensive car insurance policy comes with several features to ensure a smooth, all-around safe journey for you.

फीचर	What It Means
Dual Coverage Under One Policy	Combines third-party liability and own damage in a single policy for broader protection.
Own Damage Cover for Multiple Risks	Covers damage due to accidents, theft, fire, natural calamities (floods, storms, quakes) and man-made events (riots, vandalism).
Mandatory Personal Accident Cover	Includes PA cover for the owner-driver as per IRDAI rules, offering financial support in case of accidental death or disability.
Optional Add-ons Available	Allows selection of useful add-ons like Zero Depreciation, Engine Protection, NCB Protection, Roadside Assistance, and Return to Invoice.
Cashless Repairs at Network Garages	Enables cashless servicing at authorised garages, where repair bills are settled directly between the insurer and the garage.
No Claim Bonus Benefit	Provides NCB discounts at renewal for claim-free years, reducing future premiums.

कॉम्प्रिहेंसिव कार इंश्योरेंस काम कैसे करता है?

The meaning of comprehensive car insurance lies in its name – it is comprehensive. i.e., it covers both third-party damages and own damages to the vehicle. In the case of damages to your vehicle due to any insured peril under comprehensive insurance for the car, the insurer will bear the repair cost. In the case of a theft, the insurer pays a lump sum benefit covering the financial loss you suffer.

You can even make a cashless claim under comprehensive insurance if you get your car repaired at a networked garage.

Example: The insurer will bear the repair cost if Mr. A's vehicle gets damaged due to a flood.

On the other hand, if any third party is physically injured or killed, or any third-party property is damaged by the insured vehicle, the policyholder can claim expenses for these damages under a comprehensive car insurance policy. The insurer would handle the compensation payable to the third party for the financial loss you have caused under a comprehensive car insurance policy.

Example: If Mr. A's vehicle damages Mr. B's bike in an accident, then Mr. A can claim expenses under comprehensive car insurance for losses incurred to Mr. B’s bike.

What is Covered and Not Covered Under Comprehensive Car Insurance?

Understanding what is covered and what is not under a comprehensive car insurance policy helps you avoid surprises at the time of a claim and choose the right coverage with confidence.

क्या कवर किया जाता है?
क्या कवर नहीं किया जाता है?

The following pointers explain the various inclusions under the coverage of the HDFC ERGO comprehensive car insurance policy:

Covered in Car insurance policy - Accidents

दुर्घटनाएं

This cover applies if your car is damaged in an accident and helps take care of the repair or replacement costs, as per policy terms.

आग व विस्फोट

If your car is damaged due to fire or an explosion, we take care of the finances for the repairs, as per policy wordings.

चोरी

In case your car is stolen during the policy period, we will repay you as per the loss incurred, subject to policy terms.

Covered in Car insurance policy - Calamities

आपदाएं

If your car is damaged due to natural events (floods or earthquakes), or man-made events (like riots or vandalism), we provide financial support for the repairs.

पर्सनल एक्सीडेंट

In case of injuries to the owner-driver due to a car accident, we provide financial support for the same.

थर्ड पार्टी लायबिलिटी

We cover damages to property or injuries sustained by a third-party person through our third-party insurance feature.

In some cases, comprehensive car insurance will not be able to accept certain claims. Here is a list of exclusions under the HDFC ERGO comprehensive car insurance policy:

Not Covered in Car insurance policy - Depreciation

डेप्रिसिएशन

टायर और कार के अन्य स्पेयर पार्ट्स की सामान्य टूट-फूट के खर्चों को कॉम्प्रिहेंसिव इंश्योरेंस के तहत कवर नहीं किया जाता है.

इलेक्ट्रिकल व मैकेनिकल ब्रेकडाउन

Comprehensive coverage does not provide coverage for electrical and mechanical breakdown of the vehicle, such as the engine getting seized.

अवैध ड्राइविंग

The policy does not cover accidents where the driver was driving without a valid driving license or under the influence of alcohol.

Damage outside Geographical Limits

The comprehensive car insurance policy will not accept any claims for damages or losses sustained outside India.

युद्ध से संबंधित नुकसान

The policy will not cover any damage or loss suffered by the insured four-wheeler due to situations, such as war, nuclear risks, mutiny, etc.

What Are the Benefits of Buying Comprehensive Car Insurance?

There are plenty of benefits of buying comprehensive car insurance for your four-wheeler in India. Here are some of the key perks:

लाभ	What It Means
Broad Protection for Your Car	Covers damage to your car + third-party liability under one policy, helpful in a country with high accident rates. ^[1]
Meets Legal Requirements	Includes mandatory third-party cover, so your car stays legally compliant on public roads. ^[2]
Cashless Repair Support	Access to 9000+ network garages where repair bills are settled directly with the insurer.
Customisable Coverage	Lets you add useful add-ons and adjust IDV based on your car’s value and needs.
No Claim Bonus Savings	Earn up to 50% NCB discount on own-damage premium for claim-free driving.
Personal Accident Protection	Owner-driver gets PA cover (up to ₹15 lakh) for accidental death or disability.
24×7 Customer Assistance	Get round-the-clock support via call, email, or WhatsApp for policy or claim help.
Digital Claims Convenience	Quick, easy online claim filing for fast assistance during emergencies.
Budget-Friendly Options	Offers wide coverage at competitive premiums without stretching your budget.

Which Add-On Can You Choose with Comprehensive Car Insurance?

Here are the add-on covers you can opt for to enhance your comprehensive car insurance coverage.

ज़ीरो डेप्रिसिएशन कवर

This zero depreciation car insurance cover ensures that depreciation is not deducted from the claim amount for replaced car parts.

Example: Your car is hit from behind in traffic, and the rear bumper needs replacement. With this cover, the insurer considers the full cost of the new bumper without reducing its value.

NCB Protection Add-On

This cover protects your No Claim Bonus even if you make a claim during the policy year.

Example: You file a claim for accident repairs after a minor collision, but your No Claim Bonus is not reduced when you renew the policy.

एमरजेंसी असिस्टेंस कवर

In case of car breakdown or technical failure, you can make use of this emergency or roadside assistance add on cover and get assistance anywhere, anytime.

Example: Your car stops working on a highway due to a battery issue. You reach out to the insurer and help is arranged to either fix it on the spot or tow it to a nearby garage.

Cost of Consumables - Car insurance claim

कॉस्ट ऑफ कंज्यूमेबल्स कवर

This add-on pays for consumable items used during accident-related repairs, which may not be covered in standard plans.

Example: During repairs, items like engine oil, brake oil, and coolant are replaced. With this add-on, their cost is included in the claim.

टायर सिक्योर कवर

With this cover, you get coverage for repair or replacement of tyres and tubes due to accidental damage.

Example: A tyre gets damaged after hitting a deep pothole on a city road, and the cost of replacing the tyre is covered.

इनवोइस पर लौटें

If your car is stolen or declared a total loss, this cover pays the original invoice value of your car, as per policy terms.

Example: Your car is stolen from your apartment parking area and cannot be recovered. Instead of the current market value, you receive the full purchase price mentioned on the invoice.

इंजन और गियर बॉक्स प्रोटेक्शन

This add-on allows you to claim the repair or replacement costs for damage to engine and gearbox parts due to specified causes.

Example: You drive through a flooded street during heavy rains, and water enters the engine. The cost of repairing the engine is covered under this add-on.

डाउनटाइम प्रोटेक्शन

If your car is under repair, this add-on provides financial support to cover the costs of commuting and travel.

Example: After an accident, your car remains in the garage for five days. You can use this cover to pay for cab rides to your workplace used during that period.

Loss of Personal Belonging - best car insurance in india

Loss Of Personal Belongings Cover

If you want to protect personal items kept inside the car in case of loss or theft, consider opting for this add-on.

Example: Your parked car is broken into, and a laptop kept inside the car is stolen. This cover applies to the loss of the laptop.

पे एज़ यू ड्राइव कवर

With this add-on, you can get 25% of the basic own-damage premium at the end of the policy period if you drive less than 10,000 km.

Example: You mainly use your car on weekends and drive less than 10,000 km in a year. At the end of the policy year, you find that you are eligible for a benefit on your own-damage premium.

यह भी पढ़ें: Pros & Cons For Choosing Pay As You Drive Add-on Cover

Does Comprehensive Car Insurance Cover Personal Accident?

Comprehensive coverage automatically includes compulsory personal accident (PA) cover for the owner-driver (₹15 lakh minimum sum insured) as mandated by IRDAI; it's not an "extension" or optional add-on. ^[3]

This cover typically includes:

• Accidental death of the owner-driver

• Permanent total disability due to an accident

• Permanent partial disability caused by an accident.

If you already have an existing PA cover as a part of your health plan or with another motor insurance policy, you do not need to opt for it again.

यह भी पढ़ें: Find Out Why a 15 Lakh Personal Accident Cover is Mandatory

Comprehensive Car Insurance Vs. Third Party Car Insurance

When choosing car insurance, it is important to understand how much protection you want for your vehicle. A third party cover for your car is important because it meets the basic legal requirement. However, a comprehensive car insurance policy offers wider coverage for both your car and covers third-party liabilities.

The table below helps you understand the key differences between the comprehensive and third party car insurance, so you can make an informed choice based on your needs.

	80% कस्टमर इसे चुनते हैं
Coverage Aspect	कॉम्प्रिहेंसिव Cover Insurance	थर्ड-पार्टी कार इंश्योरेंस
Damage To Your Own Car	Covered for accidents and insured events	कवर नहीं किया जाता है
प्राकृतिक आपदा	Covered (floods, earthquakes, cyclones, etc.)	कवर नहीं किया जाता है
Fire, Theft, And Vandalism	कवर किया जाता है	कवर नहीं किया जाता है
Personal Accident Cover (₹15 Lakh)	शामिल	शामिल
Add-On Covers Availability	Available (Zero Depreciation, NCB Protect, etc.)Not available	कवर किया जाता है
थर्ड पार्टी की प्रॉपर्टी का नुकसान	कवर किया जाता है	कवर किया जाता है
Injury Or Death of a Third Party	कवर किया जाता है	कवर किया जाता है
Legal Compliance Under Motor Law	हां	हां
Customisation Of Insured Declared Value (IDV)	Allowed	Not allowed
Overall Scope of Protection	Wide coverage for car and liabilities	Limited to third-party liabilities

अभी खरीदें

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! ^[4]

What Is the Difference Between Comprehensive Car Insurance and Own Damage Car Insurance?

While both options may sound similar, they serve different purposes and suit different needs. Here’s a table to help you decide.

Point Of Comparison	कॉम्प्रिहेंसिव कार इंश्योरेंस	ओन डैमेज कार इंश्योरेंस
What It Covers	Covers damage to your own car and third-party legal liabilities	Covers damage to your own car only
थर्ड-पार्टी लायबिलिटी कवर	शामिल	Not included
Damage To Own Car	Covered for accidents, theft, fire, and insured events	Covered for accidents, theft, fire, and insured events
कानूनी आवश्यकता	Meets mandatory motor insurance requirement	Must be purchased along with an active third-party policy
ऐड-ऑन कवर	Add-ons available for own damage and related risks	Yes, available
Premium Level	Higher, due to wider coverage	Lower, as coverage is limited
Claim Types Allowed	Claims for own car damage and third-party liabilities	Claims only for damage to your car
Policy Management	Single policy to buy and renew	Needs to be managed along with a separate third-party policy
Who It Is Best Suited For	Car owners looking for broader protection and convenience.	Car owners who already have third-party insurance

Quick Recommendation

• Choose Comprehensive Car Insurance if you want wider protection for your car, along with mandatory third-party cover, all under one policy. It is suitable for new cars, frequent drivers, or those looking for peace of mind against multiple risks.

• Choose Own Damage Car Insurance if you already have a valid third-party policy and want coverage only for damage to your own car, usually at a lower cost.

कॉम्प्रिहेंसिव कार इंश्योरेंस प्रीमियम की गणना कैसे करें?

While buying a comprehensive car insurance policy, it is necessary to know how its premium is calculated.
कार इंश्योरेंस प्रीमियम की गणना करने के लिए, चरण-दर-चरण गाइड यहां दी गई है

1
Visit the Site
Visit the HDFCERGO website and click car insurance. At the top of the page, you can enter the vehicle registration number and proceed by clicking on ‘Get a quote’.
2
Provide Vehicle Details
After clicking on ‘Get a quote’, you will have to enter your car’s make and model.
3
Select Coverage Type
Choose a comprehensive car insurance policy.
4
Share Previous Policy Details (If Applicable)
Give details about your last insurance policy- Date of Expiry, No Claim Bonus Earned, and Claims Made. Enter your mobile number and email ID.
5
Review Premium & Customise:
You can now view your comprehensive car insurance premium. If you have chosen a comprehensive insurance policy, you can customise your plan further by selecting add-ons like zero depreciation, emergency assistance, return to invoice, and more.

Calculating comprehensive car insurance premium on the HDFC ERGO website is smooth and easy. You can also use our car insurance premium calculator for your convenience.

आपको एचडीएफसी एर्गो का कॉम्प्रिहेंसिव कार इंश्योरेंस क्यों खरीदना चाहिए

कॉम्प्रिहेंसिव कार इंश्योरेंस लेना बेहद फायदेमंद माना जाता है, क्योंकि यह कई तरह की सुरक्षा और अतिरिक्त लाभ प्रदान करता है. नीचे कुछ मुख्य कारण दिए गए हैं जिनकी वजह से कार मालिकों को यह इंश्योरेंस ज़रूर लेना चाहिए;

कॉम्प्रिहेंसिव कवरेज

एचडीएफसी एर्गो के कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी के साथ आपको बाढ़, भूकंप, आग, चोरी और अन्य अप्रत्याशित घटनाओं के कारण होने वाले खर्च से पूरी सुरक्षा मिलती है.

सुविधाजनक

आप उपयुक्त 8+ऐड-ऑन कवर के साथ अपने कॉम्प्रिहेंसिव कार इंश्योरेंस प्लान को कस्टमाइज़ कर सकते हैं. आप ज़ीरो डेप्रिसिएशन, नो क्लेम बोनस प्रोटेक्शन, रोडसाइड असिस्टेंस आदि जैसे राइडर चुन सकते हैं.

कैशलैस गैराज

एचडीएफसी एर्गो के पास 9000+ गैरेजों का बड़ा नेटवर्क हैं, जो मुफ्त रिपेयर और रिप्लेसमेंट सेवाएं प्रदान करते हैं.

किफायती प्रीमियम

एचडीएफसी एर्गो के कार इंश्योरेंस प्लान के साथ, कीमत कोई समस्या नहीं है. कवरेज के दायरे से समझौता किए बिना किफायती प्रीमियम पाएं.

थर्ड-पार्टी का नुकसान

कॉम्प्रिहेंसिव इंश्योरेंस थर्ड पार्टी लायबिलिटी कवरेज भी प्रदान करता है. इसमें इंश्योरेंस प्रदाता, इंश्योर्ड कार से हुई दुर्घटना में शामिल थर्ड पार्टी को लगी चोटों के लिए आर्थिक रूप से क्षतिपूर्ति प्रदान करता है. यह उनकी प्रॉपर्टी के नुकसान को भी कवर करता है.

"कॉम्प्रिहेंसिव कार इंश्योरेंस क्या है" और "यह आपकी कार को अप्रत्याशित नुकसान से कैसे सुरक्षित कर सकता है", यह समझने के लिए हमें कॉल करें. कॉम्प्रिहेंसिव कार इंश्योरेंस का अर्थ जानें और प्लान पर तुरंत कोटेशन पाएं!

What Are the Factors that Affect Comprehensive Car Insurance Premium?

Comprehensive car insurance premiums are higher than third-party plans because they cover both own damage and third-party liability.

Apart from the coverage, there are multiple other factors affecting the car insurance premium. The following points highlight some of the key aspects that can influence the premium payable for a comprehensive car insurance policy:

Car Make, Model, and Variant

The type of car you own affects your premium. High-end or premium models have costlier spare parts and complex components, which increases repair expenses. As a result, their premiums are higher compared to basic or entry-level cars.

Car Age and Registration Location

Newer cars have a higher value, so they attract higher premiums. As the car gets older, its value drops, which reduces the premium. The location also matters. Consider that 26,770 people lost their lives in road accidents on National Highways (NHs) across India in the first six months of 2025 ^[5] . Such statistics mean the chances of a claim are higher, hence, the high premium.

इंश्योर्ड डिक्लेयर्ड वैल्यू (IDV)

IDV is your car’s market value after depreciation, and it decides the maximum payout in case of total loss or theft. A higher IDV increases your premium, while a lower IDV decreases it. However, choosing a very low IDV in car insurance can lead to lower claim payouts and inadequate coverage.

चुने गए ऐड-ऑन

Add-ons are additional coverage benefits that come at an additional premium. Each add-on, such as zero depreciation, engine protection, or roadside assistance, increases the overall premium. It’s ideal to pick add-ons based on your driving pattern, vehicle usage, and car age.

उपलब्ध NCB

If you have not raised any claims during the previous policy period, you are eligible for a No Claim Bonus at renewal. NCB can reduce the own-damage premium by up to 50% over consecutive claim-free years, as per insurance guidelines in India.

ड्राइविंग रिकॉर्ड और क्लेम हिस्ट्री

If you’ve raised multiple claims in the past, insurers may view you as a higher-risk driver, which can result in a higher premium. On the other hand, a clean driving record with no claims can help lower your premium over time and enhance eligibility for NCB.

वॉलंटरी डिडक्टिबल (स्वैच्छिक कटौती योग्य राशि)

Choosing a higher voluntary deductible means you agree to bear a larger portion of repair costs during a claim. In return, insurers offer a lower premium. This option is suitable for experienced drivers with a low likelihood of claims.

Safety and Anti-Theft Features

Delhi saw over 2,500 cars being stolen within the first six months of 2025. ^[6] If you have fitted your car with approved anti-theft devices and enhanced safety features, it might lower the risk of such theft or related damage. Insurers tend to reward this reduced risk with premium discounts.

Policy Tenure and Payment Options

Opting for long-term policies (like multi-year plans) can offer better pricing stability and fewer renewal hassles. Renewing your policy on time also helps retain benefits like NCB. Letting the policy lapse can lead to higher premiums and even lead to vehicle inspection in some cases.

कॉम्प्रिहेंसिव कार इंश्योरेंस एक ऑल-इन-वन पॉलिसी है, जो प्रीमियम के रूप में जितना पैसा लेती है, उससे कहीं अधिक कवरेज देती है.

How Can You Reduce Your Car Insurance Premium?

By using these smart ways to reduce your car insurance premium, you can save money while keeping your vehicle protected. Here are practical tips you can apply:

Compare insurance quotes before you buy or renew

Review and compare car insurance options online before buying or renewing your policy. It will help you choose a plan that offers optimal protection while keeping costs in check.

अच्छा ड्राइविंग रिकॉर्ड बनाए रखें

Safe driving not only protects you and others on the road, but it also helps keep your premiums low. Drivers with fewer accidents, traffic violations, or insurance claims are rewarded with lower premium rates over time.

Opt for a higher voluntary deductible

Choosing to pay more out of pocket in the event of a claim can significantly lower your annual premium. Just make sure the deductible is an amount you can afford.

Avoid unnecessary or frequent small claims

If you can afford minor repairs yourself, skipping small claims helps protect your NCB and keeps premiums lower at renewal.

Use anti-theft and safety devices approved by authorities

Installing approved anti-theft alarms, immobilisers, or GPS tracking systems can reduce the risk of theft. It can lead to discounts on insurance, often because these lower the chances of a payout.

Choose add-ons wisely

While add-ons like zero depreciation cover or roadside assistance offer extra protection, they increase your premium. Evaluate what you really need before adding them.

Keep your policy active and renew on time

Letting a policy lapse (expire without renewal) can hurt your premium and erode any accumulated discounts like NCB. Regular renewals help you retain benefits.

Review and adjust your Insured Declared Value (IDV)

IDV reflects your car’s current market value; a lower IDV can reduce premium. However, do not lower it so much that your coverage becomes inadequate.

Consider usage-based or pay-as-you-drive options

Your premium can be based on how much you drive, so lower usage can lead to significant savings. If you have a pay-as-you-drive cover, you can save up to 25% off on your renewal premium with less usage!

Check for discounts and bundled policies

Ask about loyalty or safe-driver discounts offered by insurers. If you have multiple policies (like car plus home insurance), bundling them may qualify you for a multi-policy discount. This differs from insurer to insurer.

Why Should You Buy HDFC ERGO's Comprehensive Car Insurance?

Choosing a car insurance policy can be more than just following the law. It should be about protecting your car, your wallet, and your peace of mind. HDFC ERGO’s comprehensive car insurance stands out because it blends strong protection with real-world convenience. Here are a few reasons you should consider it:

Comprehensive Coverage Benefits – Comprehensive Car Insurance

Protection From Real-World Risks, Not Just Basics

Indian roads come with weather surprises, traffic chaos, theft risks, and accidental bumps. HDFC ERGO’s comprehensive plan covers many of these scenarios, so a single incident doesn’t turn into a big repair bill.

Comprehensive Car Insurance – Flexible Add-On Benefits

Strong Digital Experience with Real Human Support

From buying to renewing to filing a claim, the entire process can be managed online in minutes. If you ever need help, there are real people available on call, email, or chat. But there is no running around and no paperwork.

Cashless Garage Network in Comprehensive Car Insurance

Wide Network for Hassle-Free Cashless Repairs

With 9000+ cashless network garages across India, repairs become faster and less stressful. You can just drop the car, approve the work, and drive it back. The insurer settles the bills directly with the garage as per policy terms.

Comprehensive Car Insurance – Affordable Premium Options

Add-Ons That Match Your Driving Life

Whether you drive daily in traffic, park on streets, or worry about floods, you can personalise your plan with add-ons like Zero Depreciation, Return to Invoice, Engine & Gearbox Protection, NCB Protection and more. With HDFC ERGO, make the policy match the way you actually use your car.

Pricing That Balances Cost and Coverage

Premiums are competitively priced, and tools like No Claim Bonus (NCB) can help reduce renewal costs if you drive safely. You get meaningful coverage without paying for aspects you don’t need.

Legal Compliance Without the Last-Minute Rush

The plan bundles mandatory third-party cover and owner-driver PA cover, so you stay compliant under the Motor Vehicles Act. With timely reminders and easy renewals, there is no more worrying about missed expiry dates or penalties.

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. ^[7]

कॉम्प्रिहेंसिव कार इंश्योरेंस किसे खरीदना चाहिए?

Here are the categories of car owners who should consider buying comprehensive car insurance for better protection and peace of mind.

नए कार मालिक

Purchasing a car requires a huge financial investment, which makes it necessary to protect it from all kinds of risks. Hence, new car owners must opt for comprehensive car insurance coverage to get complete vehicle protection.

घूमने के शौकीन यात्री

अगर आपको यात्रा करना पसंद है और आप अपनी कार ड्राइव करके विभिन्न स्थानों और शहरों में जाना पसंद करते हैं, तो आपको कॉम्प्रिहेंसिव इंश्योरेंस पॉलिसी अवश्य लेनी चाहिए. यह आपको और आपकी कार को एमरजेंसी स्थिति से सुरक्षित करेगी और आप ऐड-ऑन के रूप में रोडसाइड असिस्टेंस कवर भी ले सकेंगे.

महानगरों में रहने वाले लोग

दिल्ली, बेंगलुरु, मुंबई आदि जैसे मेट्रो शहरों के निवासियों के पास कॉम्प्रिहेंसिव इंश्योरेंस होना चाहिए क्योंकि वहां छोटे शहरों की तुलना में अधिक ट्रैफिक, प्रदूषण होता है और बार-बार दुर्घटना होने की संभावना बनी रहती है.

ज़्यादा जोखिम वाली जगहों पर रहने वाले लोग

There are few places that are more prone to accidents or dangers than others. For example, landslides are common in mountainous areas. So, people in such areas should have a comprehensive car insurance policy to keep their vehicles protected.

महंगी कारों के मालिक

Owning a luxury car not only makes you stand out but also makes you an easy target for theft. In addition, if an expensive car gets stolen or damaged in an accident, the financial loss is significantly higher. Thus, it is important to protect such vehicles with a comprehensive car insurance policy.

Owners Of Older Cars with High Repair Costs

Some cars may not be luxury models, but their spare parts may be costly or hard to find. Having comprehensive insurance means they can get coverage for such unexpected repair expenses after accidents or disasters.

Daily Office Commuters

People who drive daily for work are more exposed to road accidents, bumper-to-bumper traffic and parking-related damages. Comprehensive insurance supports them by covering accidental and third-party damages.

People Who Park Their Cars Outdoors

If someone does not have covered or secure parking, risks like theft, falling objects, fire, animal damage, or vandalism are higher. Comprehensive insurance provides better financial protection in such scenarios.

How to Buy Comprehensive Car Insurance Online?

Here are the steps you can follow to buy comprehensive car insurance online quickly and easily.

Step 1 to calculate car insurance premium

Visit the Website

Visit the HDFC Ergo website. Enter the registration number
of your vehicle and click on ‘Get Quote’.
You can also check quote by entering the
make and model and the year of manufacturing.

Step 2 - Select policy cover- calculate car insurance premium

Choose the Comprehensive Plan Option

If you proceed by entering the registration number,
you can proceed by choosing the comprehensive plan

Step 3- Previous car insurance policy details

जानकारी दर्ज करें

Provide your previous policy details, such as
NCB status, previous policy type,
and expiry date.

Customise the Policy & Pay the Premium

Opt for any optional add-ons that
you wish to add to your base policy.
The final premium will be displayed. You can
pay the premium online, and the policy will be issued instantly.

What to Keep in Mind While Raising a Comprehensive Car Insurance Claim?

Making a comprehensive insurance claim is relatively easy when you follow the correct process. To ensure smooth and timely claim settlement, here are some important points you should consider while raising a claim:

Report The Claim Immediately

Always report the claim immediately after the incident. Keep the claim reference number handy, which is essential for all future claim-related communications.

File An FIR For Theft or Third-Party Claims

If you are filing a claim for third-party injuries/damages or theft, a police First Information Report (FIR) is mandatory.

Avoid Claims for Policy Exclusions

The policy does not cover certain situations. Ensure you don't raise claims for policy exclusions to avoid rejections.

Pay And Reimburse at Non-Cashless Garages

If your car is not repaired at a cashless garage, you will need to pay the repair costs upfront. You can then apply for reimbursement by submitting the required claim documents.

Deductibles Are Borne by the Policyholder

The deductible amount will need to be borne by you for every claim you make.

Use the Insurer’s Helpline or Mobile App

Many insurers offer 24x7 helplines and app-based claim filing. Using these helps speed up the claim registration and reduces paperwork errors.

Don’t Start Repairs Without Approval

Unless it’s an emergency, avoid starting repairs before the surveyor’s inspection and approval, as it may lead to partial or delayed claim settlements.

Keep All Bills and Documents Safely

Store repair invoices, payment receipts, FIR (if filed), photos, and claim forms safely. These are necessary for reimbursement-based claims.

Click Photos/Videos of the Damage

Capturing clear photos/videos of the incident location, vehicle damage, and any third-party involvement helps support your claim case.

कॉम्प्रिहेंसिव इंश्योरेंस ऑनलाइन क्यों खरीदें?

Here are the key reasons why buying comprehensive insurance online is a smart choice.

आसान और सुविधाजनक

Experience true convenience by giving your car complete protection from the confines of your home, all within 3 minutes!

Informed and Transparent Choice

Researching and knowing what comprehensive car insurance is and what your policy entails can help you stay abreast of what’s in store, rather than being caught unaware.

More Cost Effective

It helps you save your hard-earned money while you explore different combinations of add-ons and other parameters that decide your premium amount.

Compare Before You Buy

You don’t have to settle for the first option. With online buying, you can compare plans, coverage, claim support, and customer reviews side-by-side.

Zero Paperwork

No forms, no photocopies, no courier hassles. Everything, from proposals to payments, happens digitally. This reduces errors, saves time, and is also great for the environment.

How to Claim Comprehensive Car Insurance?

Filing a claim just got easier with our 4-step process and a claims settlement record that will ease your worries!

1
डॉक्यूमेंट अपलोड करें
Call our helpline number or send a message on WhatsApp at 8169500500. Our agent will send you a link. You can upload documents online using that link.
2
सेल्फ सर्वे/डिजिटल सर्वेक्षक
You can opt for self-inspection or an app-enabled digital inspection by a surveyor or workshop partner.
3
क्लेम ट्रैकर
You can track your claim status through the claim tracker.
4
क्लेम अप्रूव हुआ
Once your claim is approved, you will receive the notification via the message, and the claim will be settled through a network garage.

What Are the Documents required for Filing a Comprehensive Car Insurance Claim?

1. Duly filled claim form

• This is the primary document that officially initiates your claim.

• It captures details such as policy number, vehicle information, date and cause of loss, and claim amount.

• Ensure all details match your policy records to avoid discrepancies.

2. Copy of the car insurance policy

• A copy of your active comprehensive car insurance policy is required to verify coverage.

• It helps to confirm policy validity, coverage scope, and add-ons, if any.

3. Registration Certificate

• The RC confirms ownership and vehicle details.

• A self-attested copy is usually sufficient, though the original may be required for verification.

4. Valid driving license

• A copy of the driving license of the person driving the car at the time of the accident is mandatory.

• The license must be valid and appropriate for the type of vehicle being driven.

5. FIR or police report (if applicable)

• Required in cases of theft, major accidents, third-party injury, death, or significant property damage.

• A General Diary (GD) entry or police intimation may be accepted, depending on the situation.

6. Photographs of the damaged vehicle

• Clear photos showing the extent of damage from multiple angles help speed up assessment.

• These are especially important for cashless and digital claims.

7. Repair estimate or invoice

• A repair estimate from the garage is required before claim approval.

• After repairs, the final invoice and payment receipt may be needed for reimbursement claims.

8. Surveyor’s inspection report

• A surveyor is appointed to assess the damage and estimate the claim amount.

• Cooperation during inspection helps avoid claim delays.

9. PAN card or identity proof

• Required for identity verification and compliance purposes, especially for higher claim amounts.

• In some cases, address proof may also be requested.

10. Cancelled cheque or bank details

• Needed to process claim payment directly into your bank account for reimbursement claims.

• Ensure the account details match the policyholder’s name.

11. Additional documents (case-specific)

• Theft claims may require a non-traceable certificate from the police.

• Claims involving third-party damage may need court documents or legal notices.

• Natural disaster claims may require location or weather-related confirmation.

What is NCB in Comprehensive Car Insurance?

NCB stands for No Claim Bonus. You earn this bonus in a comprehensive car insurance policy if you don't claim during a policy year. With NCB, the insured person gets a discount on the comprehensive car insurance premium at the time of renewal in the following policy year. The rate of the NCB also increases after each successive claim-free year.

In the first year, the policyholder gains a 20% NCB discount if they haven’t made any claims during the policy year. Consequently, the policyholder continues to gain an additional 5% to 10% NCB with each consecutive claim-free year. However, once you make a claim, the accumulated NCB becomes zero. After that, you start earning NCB again from the next policy year, provided they are claim-free.

To learn more about NCB in car insurance, such as its benefits, how it is calculated, how it can be terminated, etc., check NCB in car insurance.

The NCB allows you to get a premium discount at the time of renewal. The rate of the NCB is as follows:

क्लेम फ्री वर्षों की संख्या	अनुमत NCB
पहले क्लेम-फ्री वर्ष के बाद	20%
दो क्लेम फ्री वर्ष के बाद	25%
तीन क्लेम फ्री वर्ष के बाद	35%
चार क्लेम फ्री वर्ष के बाद	45%
पांच क्लेम फ्री वर्ष के बाद	50%

यह भी पढ़ें: NCB सर्टिफिकेट कैसे प्राप्त करें?

कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी में IDV क्या है?

Insured Declared Value (IDV) in comprehensive car insurance is the maximum amount the policyholder will receive if the vehicle is damaged beyond repair or stolen.

IDV represents the approximate market value of the car and it changes every year due to depreciation.

IDV = (The price of the car as determined by the manufacturer - Depreciation based on the car's age) + (Cost of accessories added to the car - Depreciation based on the age of such accessories).

A Simple Example

Let’s say you bought a car and its IDV is ₹10 lakh in the first year. If the car gets stolen during that year, the insurer will pay ₹10 lakh (subject to policy terms).

As years pass, the IDV will drop due to depreciation. For example:

• Year 1 IDV: ₹10,00,000

• Year 2 IDV: ₹9,00,000 (example)

So, a total-loss claim in Year 2 would settle around ₹9 lakh.

You can read more about IDV, such as its importance, the factors affecting it, and how it influences car insurance premiums, check IDV in car insurance.

डेप्रिसिएशन की दर पहले से निर्धारित की जाती है. यह इस प्रकार है:

कार कितनी पुरानी है	डेप्रिसिएशन दर
6 महीने तक	5%
छह महीने से अधिक लेकिन एक वर्ष से कम	15%
एक वर्ष से अधिक लेकिन दो वर्ष से कम	20%
दो साल से अधिक लेकिन तीन साल से कम	30%
तीन साल से अधिक लेकिन चार साल से कम	40%
चार साल से अधिक लेकिन पांच साल से कम	50%

12200+

पूरे भारत में कैशलेस गैरेज ˇ

अपने नज़दीक कैशलेस गैरेज खोजें

कार इंश्योरेंस के लोकप्रिय भारतीय मॉडल

हुंडई क्रेटा कार इंश्योरेंस	हुंडई I20 कार इंश्योरेंस	मारुति सुज़ुकी स्विफ्ट कार इंश्योरेंस
मारुति सुज़ुकी ऑल्टो कार इंश्योरेंस	मारुति सुज़ुकी वैगन आर कार इंश्योरेंस	हुंडई ग्रैंड I10 कार इंश्योरेंस
हुंडई वर्ना कार इंश्योरेंस	होंडा सिटी कार इंश्योरेंस	मारुति सुज़ुकी बलेनो कार इंश्योरेंस
फोर्ड इकोस्पोर्ट कार इंश्योरेंस	हुंडई I10 कार इंश्योरेंस	फॉक्सवैगन पोलो कार इंश्योरेंस
मारुति सुज़ुकी अर्टिगा कार इंश्योरेंस	मारुति सुजुकी स्विफ्ट डिज़ायर कार इंश्योरेंस	होंडा अमेज़ कार इंश्योरेंस
टोयोटा फॉर्च्यूनर कार इंश्योरेंस	मारुति सुज़ुकी विटारा ब्रेज़ा कार इंश्योरेंस	हुंडई वेन्यू कार इंश्योरेंस
टोयोटा इनोवा क्रिस्टा कार इंश्योरेंस	फॉक्सवैगन वेंटो कार इंश्योरेंस	रेनॉल्ट क्विड कार इंश्योरेंस
स्कोडा रैपिड कार इंश्योरेंस	महिंद्रा XUV 500 कार इंश्योरेंस	मारुति सुज़ुकी सियाज़ कार इंश्योरेंस
महिंद्रा स्कॉर्पियो कार इंश्योरेंस	महिंद्रा थार कार इंश्योरेंस	मारुति सुज़ुकी सिलेरियो कार इंश्योरेंस
हुंडई एक्सेंट कार इंश्योरेंस	रेनॉल्ट डस्टर कार इंश्योरेंस	लैंड रोवर कार इंश्योरेंस
इसुजु कार इंश्योरेंस	लेम्बोर्गिनी कार इंश्योरेंस	वोल्वो कार इंश्योरेंस
टेस्ला कार इंश्योरेंस

मेट्रो सिटीज़ में कार इंश्योरेंस

मुंबई में कार इंश्योरेंस	बेंगलुरु में कार इंश्योरेंस	पुणे में कार इंश्योरेंस
जालंधर में कार इंश्योरेंस	भुवनेश्वर में कार इंश्योरेंस	लुधियाना में कार इंश्योरेंस
मैसूर में कार इंश्योरेंस	कोझिकोड में कार इंश्योरेंस

कॉम्प्रिहेंसिव कार इंश्योरेंस के लिए रिव्यू और रेटिंग

4.4 स्टार

हमारे कस्टमर्स ने हमें रेटिंग दी है

सभी 1,58,678 रिव्यू देखें

रॉबिन कोशी चेरियन

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

23 दिसंबर 2024

बेंगलुरु

एचडीएफसी एर्गो का सिस्टम बेहतरीन है और उनका स्टाफ भी बहुत समझदार है. वे क्लाइंट की ज़रूरतों को अच्छे से समझते हैं. मेरी समस्या का समाधान मात्र 2-3 मिनट में हो गया. बहुत अच्छे.

गौतम कुमार साहू

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

21 नवंबर 2024

चायबासा

एचडीएफसी एर्गो की चैट टीम मेंबर ने मुझे यह जानने में मदद की कि eKYC मेरी पॉलिसी से लिंक हुआ है या नहीं. कस्टमर केयर एग्ज़ीक्यूटिव ने मुझे इसे लिंक करने का तरीका भी समझाया. मुझे आपके एग्ज़ीक्यूटिव से जल्दी मदद पाकर और उनका अच्छा स्वभाव देखकर बहुत खुशी हुई.

रागली बागड़ा

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

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ईस्ट सियांग

आपकी कस्टमर केयर टीम से फौरन जवाब पाकर मुझे बहुत अच्छा लगा. धन्यवाद.

श्री राजन महेंद्र

प्राइवेट कार OD ओनली

19 सितंबर 2024

चेन्नई

वाकई आपके गिंडी ऑफिस में कस्टमर सर्विस का मेरा अनुभव शानदार रहा.

जयदत्त चेतनभाई महाजन

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

30 अगस्त 2024

सूरत

आपकी कस्टमर केयर टीम द्वारा बेहतरीन सर्विस.

रॉबिन कोशी चेरियन

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

23 अगस्त 2024

बेंगलुरु

मुझे लगता है कि एचडीएफसी एर्गो का सिस्टम कुशलता से काम करता है और उन्होंने क्लाइंट की समस्याओं का समाधान करने के लिए अच्छी तरह से प्रशिक्षित स्टाफ को नियुक्त किया है. मेरी समस्या का समाधान मात्र 2-3 मिनट में ही कर दिया गया था.

गौतम कुमार साहू

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

21 अगस्त 2024

चायबासा

आपके कस्टमर केयर एग्जीक्यूटिव ने मुझे आसानी से यह जानने में मदद की कि ekyc मेरी पॉलिसी से लिंक है या नहीं. मैं उनके हेल्पिंग नेचर की तारीफ करना चाहूंगा.

श्री राजन महेंद्र

प्राइवेट कार OD ओनली

16 अगस्त 2024

चेन्नई

चेन्नई की आपकी गिंडी ब्रांच के कस्टमर सर्विस ऑफिसर के साथ मेरा अनुभव काफी अच्छा रहा.

रागली बागड़ा

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

16 अगस्त 2024

ईस्ट सियांग

तुरंत जवाब देने के लिए एचडीएफसी एर्गो की कस्टमर केयर टीम का शुक्रिया.

प्रसाद सुधाकर भरद्वाज

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

9 अगस्त 2024

पुणे

एचडीएफसी एर्गो का प्रोसेस आसान है और मेरे मेल पर हर बार आपकी टीम तुरंत ज़वाब देती है.

श्रीधर अकुला

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

7 अगस्त 2024

चेन्नई

मेरी क्लेम रिक्वेस्ट सही से पूरी हो गई. शुरुआत में मुझे क्लेम करने में थोड़ी परेशानी हुई, लेकिन आखिर तक सब सही हो गया था.

हार्दिक राजेशकुमार अग्रवाल

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

31 जुलाई 2024

वडोदरा

एचडीएफसी एर्गो कस्टमर सपोर्ट की सर्विस बेहतरीन है.

सूरज कुमार

प्राइवेट कार लायबिलिटी ओनली

30 जुलाई 2024

जम्मू

कस्टमर केयर एग्जीक्यूटिव बहुत ही विनम्र और सौम्य थे. आपकी टीम के सदस्य टेलीफोन पर बात करते समय सर्वश्रेष्ठ शिष्टाचार अपनाते हैं और उनकी आवाज़ और बातचीत का लहज़ा प्रभावी है.

ताखी शकील मौलवी

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

25 जुलाई 2024

शोलापुर

एचडीएफसी एर्गो के साथ मेरा अनुभव बेहतरीन रहा है.

अजय कुमार कौल

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

19 जुलाई 2024

फरीदाबाद

एचडीएफसी एर्गो की टीम कस्टमर को बेहतरीन सहयोग देती है.

छगन लाल

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

12 जुलाई 2024

दाहोद

मुझे कहना है कि एचडीएफसी एर्गो अपने कस्टमर को सर्वश्रेष्ठ सर्विसेज़ प्रदान करता है.

विक्रमादित्य राय

प्राइवेट कार पैकेज पॉलिसी बंडल्ड

14 जून 2024

वाराणसी

एचडीएफसी एर्गो सर्वश्रेष्ठ कस्टमर कार सर्विस प्रदान करता है. मुझे उनकी यह आदत पसंद है कि वे समस्या उठाए जाने पर तुरंत जवाब देते हैं और फौरन उस पर काम शुरू कर देते हैं.

एन एस कुमार NA

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

14 जून 2024

चेन्नई

मेरी कॉल अटैंड करने वाले कस्टमर केयर एग्जीक्यूटिव अत्यंत विनम्र थे, और उन्होंने मेरी समस्या का समाधान करने के लिए मुझे तीन बार कॉल की. बेहतरीन कस्टमर केयर रवैये के लिए कस्टमर केयर टीम को पूरे अंक मिलने चाहिए.

विजय शंकर मेनन

निजी कार

25 मई 2024

कोयम्‍बटूर

आपके सेल्स मैनेजर ने काफी मदद की और उन्होंने पॉलिसी रिन्यू करवाने में महत्त्वपूर्ण भूमिका निभाई.

तुमुलूरि रवि कुमार

प्राइवेट कार कॉम्प्रिहेन्सिव पॉलिसी

21 मई 2024

बेंगलुरु

एचडीएफसी एर्गो घर पर सेवाएं प्रदान करता है और अपने कार्य में उत्कृष्ट है. जब भी मैंने आपकी टीम से संपर्क किया है, तो उन्होंने मेरी समस्या का तुरंत समाधान किया है.

मोहित वर्मा

प्राइवेट कार पॉलिसी

14 मई 2024

गाजियाबाद

मैंने अपने फोर-व्हीलर के लिए पहली बार एचडीएफसी एर्गो को चुना है और मुझे यह कहते हुए खुशी हो रही है कि वे वाकई बहुत अच्छी सेवा प्रदान करते हैं. कस्टमर का कीमती समय बचाने के लिए सेल्फ-इंस्पेक्शन बहुत अच्छा विकल्प है. हमेशा अच्छा कस्टमर अनुभव प्रदान करने के लिए एचडीएफसी एर्गो टीम को मेरा धन्यवाद.

एम्मे सलोमी

निजी कार

10 मई 2024

मेदक

हम किसी भी समय एचडीएफसी एर्गो कार इंश्योरेंस पॉलिसी का विवरण आसानी से देख सकते हैं. आपके कस्टमर केयर प्रतिनिधियों का स्वभाव बहुत अच्छा है.

फरहान नाज़िर

प्राइवेट कार पॉलिसी

29 अप्रैल 2024

पुलवामा

एचडीएफसी एर्गो की कस्टमर केयर टीम उच्च क्वालिटी की सेवा प्रदान करने में विश्वास रखती है.

मडपार्थी नरेंद्र

प्राइवेट कार पॉलिसी

20 अप्रैल 2024

विडवलूर

एचडीएफसी एर्गो झंझट-मुक्त सेवाएं प्रदान करता है. मैं इनकी तुरंत कार्रवाई और कस्टमर की समस्या का समाधान करने की प्रोसेस से बहुत खुश हूं.

तारेशकुमार शंभूभाई पटेल

प्राइवेट कार पॉलिसी

18 अप्रैल 2024

अहमदाबाद

एचडीएफसी एर्गो की कस्टमर सर्विस टीम का स्टाफ बहुत अच्छा है. मुझे उम्मीद है कि वे अपने पॉलिसीधारकों को बेहतरीन सेवाएं प्रदान करते रहेंगे.

लेटेस्ट कॉम्प्रिहेंसिव कार इंश्योरेंस ब्लॉग्स पढ़ें

Growing Interest in 3-Year Comprehensive Car Insurance to Avoid Annual Renewals

पूरा आर्टिकल देखें

6 जनवरी, 2026 को प्रकाशित

Comprehensive Car Insurance Explained: Coverage, Exclusions, and Benefits

पूरा आर्टिकल देखें

12 जून, 2025 को प्रकाशित

Comprehensive Insurance for New vs Old Vehicles

नए बनाम पुराने वाहनों के लिए कॉम्प्रिहेंसिव इंश्योरेंस

पूरा आर्टिकल देखें

नवंबर 25, 2024 को प्रकाशित

Your guide to buying insurance for the Kia Syros SUV in India

भारत में किया सिरॉस SUV के लिए इंश्योरेंस खरीदने के लिए आपकी गाइड

पूरा आर्टिकल देखें

जून 12, 2025 को प्रकाशित

Role of Comprehensive Car Insurance in Protecting Your Investment

आपकी इन्वेस्टमेंट को सुरक्षित करने में कॉम्प्रिहेंसिव कार इंश्योरेंस की भूमिका

पूरा आर्टिकल देखें

10 मार्च, 2025 को प्रकाशित

और ब्लॉग देखें

कॉम्प्रिहेंसिव कार इंश्योरेंस के बारे में अक्सर पूछे जाने वाले प्रश्न

How will car modifications affect your insurance policy?

Car modifications can increase your premium because they may increase the risk of theft or damage. In some cases, safety modifications like ABS or sensors may help reduce premium.

You must inform the insurer about modifications, otherwise, claims can get rejected.

How does the insurance policy change when you sell your car?

When you sell your car, you must transfer the active insurance to the new owner within 14 days. ^[8] If you buy a used car, make sure the insurance is also transferred to your name.

क्या कॉम्प्रिहेंसिव कार इंश्योरेंस खरीदना अनिवार्य है?

No, comprehensive insurance is not legally mandatory. Only third-party insurance is compulsory as per law in India.

However, comprehensive gives better protection by covering your own car too.

क्या कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी को ऑनलाइन रिन्यू किया जा सकता है?

You can renew your comprehensive car insurance policy anytime online, with insurance providers like HDFC Ergo.

Just go to the HDFC Ergo website, fill in your details, and renew your comprehensive car insurance policy online in minutes.

कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी के तहत क्लेम करने के लिए कौन से डॉक्यूमेंट्स की आवश्यकता होती है?

You will need an FIR report, vehicle’s registration certificate, driving license, a car insurance copy, and the claim form, to raise a comprehensive car insurance claim.

FIR is needed in cases like theft, injury, or major damage. Sometimes, extra documents are asked depending on the situation.

कॉम्प्रिहेंसिव कार इंश्योरेंस किसे लेनी चाहिए?

A comprehensive car insurance policy is advisable for new car owners, people who go on frequent road trips, city drivers, and more. Anyone wanting peace of mind and wider coverage should consider it.

कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी की अवधि क्या होती है?

The validity of comprehensive car insurance is usually one year. However, if you opt for a long-term policy, coverage will extend based on the number of years you opt for while purchasing the policy.

अगर मैं अपना इंश्योरर बदलूं, तो क्या मेरा NCB डिस्काउंट ट्रांसफर होगा?

Yes, NCB (No Claim Bonus) can be transferred to a new insurer. It remains valid as long as you renew on time without a break. NCB reduces premiums and can go up for claim-free years.

कॉम्प्रिहेंसिव इंश्योरेंस और 3rd पार्टी कार इंश्योरेंस के बीच क्या अंतर है?

Third-party covers damage to others but not your own car. In India, having basic third-party insurance is a legal requirement as per the Motor Vehicles Act of 1988.

Comprehensive covers both third-party and own damage due to accidents, theft, etc. This makes comprehensive coverage more helpful in real-life situations.

क्या कार इंश्योरेंस प्लान को थर्ड पार्टी लायबिलिटी प्लान से कॉम्प्रिहेंसिव कार इंश्योरेंस प्लान में बदला या शिफ्ट किया जा सकता है?? कौन सा अच्छा है?

Yes, you can shift your car insurance plan from a third-party liability plan to a comprehensive car insurance policy. Comprehensive is better because it protects your own car too.

Third-party only meets legal requirements and offers no own damage cover.

Note: If you already have a third-party liability policy, you can also get a separate own damage policy.

कार इंश्योरेंस के प्रीमियम को कम करने के लिए कुछ अच्छे सुझाव क्या हैं?

You can reduce car insurance premium value by:

• Installing anti-theft devices

• Increasing deductibles,

• Having a clean driving record, and

• Accumulating NCB benefits by driving safely and avoiding unnecessary claims.

सेकेंड-हैंड कार के लिए इंश्योरेंस प्रीमियम की गणना कैसे करें?

Here’s the process:

• Visit our car insurance page

• Enter your vehicle’s registration number and previous policy details

• Choose a plan from comprehensive, third party, or own damage cover.

• Select or remove add-ons.

• Click on the submit button to view the premium.

क्या कॉम्प्रिहेंसिव कार इंश्योरेंस प्राकृतिक आपदाओं को कवर करता है?

Yes, it covers damages from floods, earthquakes, storms, etc. You must report the incident quickly and share relevant evidence.

कॉम्प्रिहेंसिव कार इंश्योरेंस की वैधता क्या है?

The typical validity is one year from the date of purchase. Insurers also offer multi-year options, which you can opt for, to avoid yearly renewal.

कॉम्प्रिहेंसिव कार इंश्योरेंस पॉलिसी के प्रकार क्या हैं?

In India, comprehensive car insurance can be categorised as per the policy period. You can opt for an annual comprehensive car insurance policy or a long-term plan with a tenure of three or five years. New cars may get bundled plans with long-term third-party + yearly OD.

क्या बंपर टू बंपर कॉम्प्रिहेंसिव इंश्योरेंस है?

No. Comprehensive car insurance is a type of car insurance policy. However, bumper-to-bumper, also called zero depreciation cover, is an add-on that removes depreciation deductions.

क्या 15 वर्षीय कार को कॉम्प्रिहेंसिव इंश्योरेंस मिल सकता है?

In some cases, you may be able to buy comprehensive car insurance in India for your 15-year-old car. However, you must check whether such plans are offered for older vehicles. Coverage and premiums may vary across providers.

कॉम्प्रिहेंसिव इंश्योरेंस की लागत कितनी होती है?

Comprehensive car insurance costs more than a third-party or a standalone own damage policy due to its exhaustive coverage. Premium can vary depending on the IDV, model, city, and chosen add-ons.

क्या कॉम्प्रिहेंसिव इंश्योरेंस इंजन फेलियर को कवर करता है?

No, normal wear and tear or mechanical damage is not covered. Engine Protect add-on is needed for water damage or oil leakage issues.

क्या थर्ड-पार्टी को कॉम्प्रिहेंसिव इंश्योरेंस में बदला जा सकता है?

Yes. You can easily convert your car’s coverage from third-party to comprehensive during renewal. You just need to choose own-damage cover + any add-ons you want.

सही कॉम्प्रिहेंसिव इंश्योरेंस प्लान कैसे चुनें?

When buying comprehensive car insurance, you should compare plans online to find the most suitable option. Plans can be compared based on inclusions, exclusions, claim settlement ratio, availability of cashless garages, and customer support.

क्या कॉम्प्रिहेंसिव इंश्योरेंस एक्सीडेंटल खरोंचों को कवर करता है?

Yes. Comprehensive car insurance covers accidental scratches as per policy provisions.

कॉम्प्रिहेंसिव और फर्स्ट-पार्टी इंश्योरेंस के बीच क्या अंतर है?

First-party car insurance refers to a standalone own damage policy. It covers damages or losses to the insured car due to accidents, fire, theft, floods, and similar risks.

Comprehensive car insurance covers third-party liabilities as well as damage to the insured vehicle.

कॉम्प्रिहेंसिव इंश्योरेंस के तहत कौन से पार्ट्स कवर किए जाते हैं?

Comprehensive car insurance covers major parts damaged due to accidents, theft, and natural events. Consumables like oil or nuts are excluded unless you add a consumables cover.

Add-ons can help fill such gaps based on your needs.

कॉम्प्रिहेंसिव इंश्योरेंस क्लेम कैसे सेटल किया जाता है?

First, you raise a claim and submit required documents. A surveyor inspects the damage and approves repairs. Payments can be done either cashless at network garages or via reimbursement.

क्या आप कॉम्प्रिहेंसिव इंश्योरेंस के बिना ड्राइव कर सकते हैं?

Yes, as long as you have active third-party insurance. Third-party is compulsory under traffic laws in India. However, investing in comprehensive car insurance is highly recommended as it comes with own damage cover and the mandatory third-party cover.

अपनी कार पर मामूली डेंट को ठीक करने के लिए आप प्लंजर का उपयोग कर सकते हैं. हालांकि, कॉम्प्रिहेंसिव प्लान के तहत कार इंश्योरेंस का पूरा कवरेज अभी भी आपकी कार को होने वाले एक्सीडेंटल डैमेज/नुकसान से निपटने का सबसे अच्छा विकल्प है.

अभी कार इंश्योरेंस खरीदें!

रेफरेंस लिंक

उल्लेख

1. सोर्स: Indiatimes
2. सोर्स: PIB
3. सोर्स: Indiatimes
4. सोर्स: Morth
5. सोर्स: Business-standard
6. सोर्स: Business-standard
7. सोर्स: CEEW
8. सोर्स: IRDAI

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आईसीएआई अवार्ड्स 2015-16

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अवॉर्ड ऑफ द इयर

आईसीएआई अवार्ड्स 2014-15

अंतिम अपडेट: 2023-02-20

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4.4

कॉम्प्रिहेंसिव कार इंश्योरेंस

कॉम्प्रिहेंसिव कार इंश्योरेंस क्या है?

What Are the Key Features of Comprehensive Car Insurance?

कॉम्प्रिहेंसिव कार इंश्योरेंस काम कैसे करता है?

What is Covered and Not Covered Under Comprehensive Car Insurance?

दुर्घटनाएं

आग व विस्फोट

चोरी

आपदाएं

पर्सनल एक्सीडेंट

थर्ड पार्टी लायबिलिटी

डेप्रिसिएशन

इलेक्ट्रिकल व मैकेनिकल ब्रेकडाउन

अवैध ड्राइविंग

Damage outside Geographical Limits

युद्ध से संबंधित नुकसान

What Are the Benefits of Buying Comprehensive Car Insurance?

Which Add-On Can You Choose with Comprehensive Car Insurance?

ज़ीरो डेप्रिसिएशन कवर

NCB Protection Add-On

एमरजेंसी असिस्टेंस कवर

कॉस्ट ऑफ कंज्यूमेबल्स कवर

टायर सिक्योर कवर

इनवोइस पर लौटें

इंजन और गियर बॉक्स प्रोटेक्शन

डाउनटाइम प्रोटेक्शन

Loss Of Personal Belongings Cover

पे एज़ यू ड्राइव कवर

Does Comprehensive Car Insurance Cover Personal Accident?

Comprehensive Car Insurance Vs. Third Party Car Insurance

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! [4]

What Is the Difference Between Comprehensive Car Insurance and Own Damage Car Insurance?

Quick Recommendation

कॉम्प्रिहेंसिव कार इंश्योरेंस प्रीमियम की गणना कैसे करें?

Visit the Site

Provide Vehicle Details

Select Coverage Type

Share Previous Policy Details (If Applicable)

Review Premium & Customise:

आपको एचडीएफसी एर्गो का कॉम्प्रिहेंसिव कार इंश्योरेंस क्यों खरीदना चाहिए

What Are the Factors that Affect Comprehensive Car Insurance Premium?

Car Make, Model, and Variant

Car Age and Registration Location

इंश्योर्ड डिक्लेयर्ड वैल्यू (IDV)

चुने गए ऐड-ऑन

उपलब्ध NCB

ड्राइविंग रिकॉर्ड और क्लेम हिस्ट्री

वॉलंटरी डिडक्टिबल (स्वैच्छिक कटौती योग्य राशि)

How Can You Reduce Your Car Insurance Premium?

Compare insurance quotes before you buy or renew

अच्छा ड्राइविंग रिकॉर्ड बनाए रखें

Opt for a higher voluntary deductible

Avoid unnecessary or frequent small claims

Use anti-theft and safety devices approved by authorities

Choose add-ons wisely

Keep your policy active and renew on time

Review and adjust your Insured Declared Value (IDV)

Consider usage-based or pay-as-you-drive options

Check for discounts and bundled policies

Why Should You Buy HDFC ERGO's Comprehensive Car Insurance?

Protection From Real-World Risks, Not Just Basics

Strong Digital Experience with Real Human Support

Wide Network for Hassle-Free Cashless Repairs

Add-Ons That Match Your Driving Life

Pricing That Balances Cost and Coverage

Legal Compliance Without the Last-Minute Rush

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. [7]

कॉम्प्रिहेंसिव कार इंश्योरेंस किसे खरीदना चाहिए?

नए कार मालिक

घूमने के शौकीन यात्री

महानगरों में रहने वाले लोग

ज़्यादा जोखिम वाली जगहों पर रहने वाले लोग

महंगी कारों के मालिक

Owners Of Older Cars with High Repair Costs

Daily Office Commuters

People Who Park Their Cars Outdoors

In 2003, the total number of registered cars (including jeeps and taxis) in India stood at 8,599. In 2022, this number stood at 49,051! That’s a 470% increase! ^[4]

India’s total number of vehicles on the road is expected to nearly double, from about 226 million in 2023 to nearly 494 million by 2050! This will mostly be driven by rapid growth in private cars and two-wheelers. ^[7]