Why should you buy HDFC ERGO car insurance?

Car insurance plans are essential in India. You have to buy and renew car insurance on regular basis to be legally eligible to drive on Indian roads. There are many car insurance companies in India such as HDFC ERGO and you can definitely buy HDFC ERGO car insurance plan online to grab a whole lot of benefits. You don’t have to spend a dime to repair your car insurance plan as you can avail cashless service in more than 3400 garages across India. However, if you avail service in any other garage not included in the coverage of HDFC ERGO car insurance policy, your expenses will be reimbursed once you make a claim on your HDFC ERGO car insurance policy.

How to determine Sum Insured of HDFC ERGO car insurance policy?

The IDV of the vehicle that needs to be insured is the Sum Insured of HDFC ERGO car insurance policy. The IDV is worked out by deducting the depreciation as per the age of the insured car from the listed selling price of manufacturer. In case of theft or total damage claim on HDFC ERGO car insurance policy, the entire Sum Insured of the HDFC ERGO car insurance online is paid out.

How premium of HDFC ERGO car insurance online is worked out?

The premium of HDFC ERGO car insurance policy depends on several different factors such as IDV, age and type of the vehicle in question, zone where the car is registered and type of fuel that the car consumes.

Coverage of HDFC ERGO car insurance online

HDFC ERGO car insurance policy comes with two types of coverage. The liability coverage is mandatory in India, so you have to go for a liability HDFC ERGO car insurance policy if you have a car. This type of coverage of HDFC ERGO car insurance online covers liabilities of policyholders to third parties and pays out financial compensation in the event of third party property damage, death and physical injuries due to accident. However, this is not the best coverage available with HDFC ERGO car insurance policy. The package coverage of HDFC ERGO car insurance online is the best coverage so you should buy HDFC ERGO car insurance online with comprehensive coverage. A comprehensive HDFC ERGO car insurance online plan covers liabilities to third parties as well as losses due to theft and damages due to a wide array of natural and man-made perils.

Apart from these two coverage, HDFC ERGO car insurance policy also provides personal accident coverage worth Rs. 2 Lakhs to owner-driver of the insured private cars.

HDFC ERGO car insurance renewal

The process of HDFC ERGO car insurance renewal is very simple and fast. You have to visit the portal of HDFC ERGO and submit the details of your existing HDFC ERGO car insurance online such as HDFC ERGO car insurance policy number and check out the new version of HDFC ERGO car insurance online plan that you will receive on your HDFC ERGO car insurance renewal. Finally , you have to make the payment online and save the premium deposit receipt. When your new HDFC car insurance policy is issued, you are done with your HDFC ERGO car insurance renewal process.