Two of the most prominent car insurance companies are HDFC ERGO & Royal Sundaram. They have impressive new products and have been in the business for more than a decade. Because they offer similar services in terms of cost and coverage, their services have been compared. Both companies are distinguished and have a better reputation.
It is important to choose the right car insurance policy for you. It should be well worth the money. You should compare Royal Sundaram Car Insurance and HDFC ERGO to determine which one is best for you.
Both Royal Sundaram and HDFC ERGO offer different packages and discounts in order to attract more customers. These factors are the best way to choose the right car insurance policy.
When comparing insurance policies, the first thing to consider is their level of coverage. Before making a decision, it is important to understand the level of protection that you require.
You should also tell us your driving record before we can process your insurance. It is important to know if there have been any accidents in your driving history.
Your current insurance policy, as well as its expiration date, are the third thing to consider. Before switching to another policy, you should ensure that your current insurance policy covers you.
Comparison of HDFC ERGO Car Insurance vs Royal Sundaram Car Insurance
Both HDFC ERGO vs Royal Sundaram Car Insurance Companies offer a broad range of coverage options, a low premium and a dedicated customer support team that assists customers in getting the best deal. They also offer an easy claim process.
We have explained the differences between Royal Sundaram Car Insurance and HDFC ERGO Insurance company. Comparisons will be made based on many factors, including claims, customer service and policy cost.
HDFC ERGO Car Insurance
Different types of policies
- Comprehensive Car Insurance
- Third Party Car Insurance
- Standalone Damage Insurance
- Private Car Bundle Policy
Add-ons/Riders
- Zero Depreciation cover
- No Claim Protection
- Coverage for emergency assistance
- Protection against downtime
- Protection of the engine and gearbox
- Return to Invoice
- Additional Benefits
- Get Instant Quotes
- Notifications for Payment
- Instant Coverage
- Quick Insuance
- Zero paperwork
- Convenience
- You have control over the coverages
- 24×7 customer service
What is covered?
- Physical Injury
- Death of an Individual
- Property damage
- Personal Accident Cover
- A comprehensive Car Insurance policy covers (point)
- accidents,
- natural/man-made calamities,
- Explosion and fire theft, etc.
- Royal Sundaram Car Insurance
Different types of policies
- Standalone Car Insurance for Damage
- Comprehensive Car Insurance
- Third Party Car Insurance – Standalone
Add-ons/Riders
- Full Invoice Price Protection
- Protector – No Claim Bonus (NCB).
Tyre Cover
- Protector Key
- Depreciation Waiver Cover
- Baggage Cover in case of loss
- Windshield glass cover
- Clause for a spare car
- Voluntary deductible coverage
- Protect your engine with an engine protector
- Road tax exemption for life
Additional Benefits
- Roadside assistance is free
- Discount on membership to the Automobile Association of India
- Voluntary discount
What is covered?
- Insured car damages due to fire, ignition or explosion
- Accidental damage due to an external force or act
- Natural calamities such as floods, storms, and typhoons are all possible.
- Burglary, theft, housebreaking, etc.
- Act of Terrorism and Malign acts
- Any legal liability that arises from damages to property, vehicle, injury or death of third parties
- Personal accident cover.
How to choose the best car insurance company in India
It is subjective to define the best car insurance company. This depends on each person’s needs. Because each person’s needs are different, it is difficult to determine which car insurance company is the best. Consider whether you are more concerned about a high claim settlement ratio than a large network of cashless garages when deciding on the best car insurance company.
An individual’s insurance company is best if they consider several factors. When choosing an insurance company for your car, you should consider these factors.
- Network of cashless garages
- Claim settlement ratio
- Add-ons available
- Customer support service.
HDFC ERGO Car Insurance
HDFC ERGO offers car insurance services in India. They offer innovative features and a variety of policies. They offer coverage for all makes and models of cars. HDFC ERGO provides third-party coverage, personal liability insurance, and accidental coverage to provide all-around protection.
HDFC ERGO Car Insurance provides customer-centric solutions. It offers competitive rates and exceptional customer service. It has a large network throughout the country that makes it easy for you to compare rates and find the right policy.
Benefits
- Third Party Damages: This covers personal injuries, third-party injuries, and property damage
- Insurance for Own Damage: This covers accidents, fire & blast, theft, and other calamities
- No Claim Bonus: Up to 50% of the No Claim Bonus (NCB).
- Personal Accident Insurance: This covers you up until Rs. 15 lakhs.
- Comprehensive Car Insurance: This covers you against personal accidents and natural/manmade catastrophes.
- Paperless: There is no lengthy paperwork required to purchase an HDFC ERGO auto insurance policy.
Features
- It’s easy on the pocket
- Cashless Assistance
- More than 1.5 million+ satisfied customers
- For minor accidents or breakdowns, we offer overnight repair services
- ISO certification is required for customer service, policy issuance, and information security.
- ICRA recognizes IAAA rating as well as highest claim-paying capability
- Overnight car repair services
- Satisfied customers of 1 crore+
- Plans and policies that are upgraded to cover all possible risks to your vehicle
- Online transactions that are paperless and save time
- Customer support is excellent, available 24 hours a day
- Customer support available 24 hours a day.
Highlights
- Customers can get doorstep repairs with this plan.
- This plan also covers roadside assistance.
- Overnight Car Repair Service
- Unlimited Claims Service
- 20 Minute Claim Approval Process.
- Royal Sundaram Car Insurance
Royal Sundaram General Insurance Co. Limited, formerly known as Royal Sundaram Alliance Insurance Company Limited, was the first private sector general insurer in India to have been licensed by the Insurance Regulatory and Development Authority of India (IRDA) in October 2000. Sundaram Finance (one of India’s most respected non-banking financial institutions) and other Indian Shareholders promoted the company as a joint venture.
Royal Sundaram employs over 2000 people and has 28 million customers. It has 158 branches in India. The company’s products are distributed through various channels, including agents, distributor partners, affinity partners and brokers.
Benefits
- Coverage up to 50% for No Claim Bonus (NCB).
- Personal accident coverage for all passengers and drivers up to Rs. 50 lakh
- Payed driver: Legal liability
- Passenger legal liability
- Comprehensive cover for electrical/electronic/non-electrical fittings
- Coverage for the CNG kit or Bi-fuel system
Features
- Minimal documentation
- Protection against inflation (No need for an additional amount or increase in Third Party Premium)
- Quick claim settlement
- Vehicle replacement value plus
- Quick Claim Settlement Process in 10 Working Days
Highlights
- Emergency assistance 24×7 and cashless services
- In less than five days, 100% simplified claims and hassle-free filings
- The digital M-inspect app service is available in the privacy of your own home
A single app that can handle all details about policies, claims processes, and any other requests via M-CHATRA App.
HDFC ERGO vs Acko Car Insurance
A reliable and trustworthy insurance company is essential for car owners. Although there are many options, people often go with their gut instincts when choosing the right company. Both HDFC and Acko have been in existence for many years. This means they’re well-respected within the industry.
They do have some key differences that make them different. This article will help to decide which insurance company you should choose. It will explain the pros and cons of each policy and compare them with one another.
Compare car insurance quotes from top-rated Indian providers and find the right car Insurance Company for you. If your car has problems, you want to be sure you are fully covered. Online car insurance can make it easy to settle any claims. You can renew your policy online in a matter of seconds. Avoid waiting and you will be back on the roads faster.
Find the best car insurance company India has to offer:
It is subjective to define the best car insurance company. This depends on each person’s needs. A car insurance company with the highest claim settlement ratio may be the best. However, for some people, the insurance company with the largest network of cashless garages will be the best.
An individual’s insurance company is best if they consider several factors. When choosing an insurance company for your car, you should consider these factors.
- Network of cashless garages
- Claim settlement ratio
- Add-ons available
- Customer support service.
HDFC ERGO Car Insurance
HDFC ERGO offers car insurance services in India. They offer innovative features and a variety of policies. They offer coverage for all makes and models of cars. HDFC ERGO provides third-party coverage, personal liability insurance, and accidental coverage to provide all-around protection.
HDFC ERGO Car Insurance provides customer-focused solutions. It offers competitive rates and exceptional customer service. It has a large network throughout the country that makes it easy for you to compare rates and find the right policy.
Why buy HDFC ERGO Car Insurance
- It’s easy on the pocket
- Cashless Assistance
- More than 1.5 million+ satisfied customers
- For minor accidents or breakdowns, we offer overnight repair services
- ISO certification is required for customer service, policy issuance, and information security.
- ICRA recognizes IAAA rating as well as highest claim-paying capability
- Overnight car repair services
- Satisfied customers of 1 crore+
- Plans and policies that are upgraded to cover all possible risks to your vehicle
- Online transactions that are paperless and save time
- Customer support is excellent, available 24 hours a day
- Customer support available 24 hours a day.
Benefits and Features
- Third Party Damages: This covers personal injuries, third-party injuries, and property damage
- Insurance for Own Damage: This covers accidents, fire & blast, theft, and other calamities
- No Claim Bonus: Up to 50% of the No Claim Bonus (NCB).
- Personal Accident Insurance: This covers you up until Rs. 15 lakhs.
- Comprehensive Car Insurance: This covers you against personal accidents and natural/manmade catastrophes.
- Paperless: There is no lengthy paperwork required to purchase an HDFC ERGO auto insurance policy.
Acko Car Insurance
Acko General Insurance believes that car insurance can be a simple and effective way of protecting your vehicle from unforeseeable risks like thefts, fires, natural disasters, and third-party liability.
The insurance company offers two types car insurance policies to protect your vehicle from damages or losses. Comprehensive and third-party policies are both available. Both policies can be purchased at affordable premium rates.
Acko Car insurance is affordable, compliant with the law, hassle-free, with ACKO’s online policy for car insurance. Keep your car safe with Car insurance. It is an easy and cost-effective way to protect it from unforeseeable risks like thefts, fires, natural disasters, and third-party liability. Driving a car in India is a requirement that you have valid third-party insurance. To protect yourself from the financial loss that can be caused by road accidents, you need good car insurance.
Why buy Acko Car Insurance
- Digital process results in low premiums and no commissions
- Exclusive plans you won’t find elsewhere
- Excellent claims service. ACKO handles all claims-related repairs. ACKO can pick up and drop off your vehicle at your door. Most claims are settled within three days.
- IRDAI has licensed Acko General Insurance.
- Instant policy delivery by Acko Car Insurance No paperwork required.
Benefits and Features
- You can access a large network of cashless garages.
- You can get up to 50% off with no claim bonus
- You can customize your policy by adding optional add-ons. You can choose from a variety of smart rider options that are available at an additional premium.
- For any questions regarding the policy or intimation of a case, you can call 1800-123-4003 for guaranteed 24*7 customer service.
- Within 7 working days of receipt of all documents, decision on claims approval.
- Different car insurance products can be tailored to meet the needs of policyholders.
- Settlement of cashless claims in more than 1,300+ cashless garages
- 1-hour pickup in the area you choose, immediate repairs and delivery to your doorstep within 3 days at no additional cost
- Third-party Damage covers damage to third-party property/vehicle, and injury that results from an accident.
- Any damage or loss that results from an accident with another vehicle, animal or thing, such as a building, pillar, etc.
- All damage or loss that is caused by bad weather conditions, natural calamities or other factors are also covered
- All damage or loss caused by an external explosion or fire are also covered.
- Comparison of HDFC ERGO Car Insurance vs Acko Car Insurance
HDFC ERGO Car Insurance
Different types of policies
- Comprehensive Car Insurance
- Third Party Car Insurance
- Standalone Damage Insurance
- Private Car Bundle Policy
Add-ons/Riders
- Zero Depreciation cover
- No Claim Protection
- Coverage for emergency assistance
- Protection against downtime
- Protection of the engine and gearbox
- Return to Invoice
Additional Benefits
- Get Instant Quotes
- Notifications for Payment
- Instant Coverage
- Quick Insuance
- Zero paperwork
- Convenience
- You have control over the coverages
- 24×7 customer service
What is covered?
- Injury to the body
- Death of an Individual
- Property damage
- Personal Accident Cover
- Comprehensive Car Insurance policies cover accidents, fire, explosion, theft, and other natural/man-made calamities.
Acko Car Insurance
Different types of policies
- Third-party car insurance
- Commercial car insurance
- Car insurance for damage to your vehicle
- Comprehensive car insurance
- Basic zero depreciation car insurance
- Personal accident cover.
Add-ons/Riders
- Zero depreciation cover
- Coverage for key replacement
- Consumables cover
- Protection from No Claim Bonus (NCB).
- Passenger personal accident coverage
- Roadside assistance coverage
- Emergency cover for outstations
- Engine protection coverage
- Retour to invoice coverage
Additional Benefits
- Lower premiums
- No paperwork
- Doorstep Service claim settlement
- Instantly settle claims
- Lower prices
- Support, renewal, and claims.
- Stress-free Claims.
What is covered?
- Accidents and damage caused by an accident
- Fire is damage to your vehicle caused by self-ignition or explosion.
- Theft If your car is stolen.
- Calamities Calamities Natural as well as man-made calamities like earthquakes, riots and others.
- Third-Party Losses: Covers damage to third parties or property.
- Car Owner covers damage to the insured’s vehicle and the insured.