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Get Bajaj Allianz vs HDFC ERGO Car Insurance Comparison

Looking for Bajaj Allianz vs HDFC ERGO Car Insurance Comparison, Key Benefits, and Features to Buy best Car Insurance Policy.PolicyBachat is helping you find the best car insurance that fits your requirement. Comparing car insurance quotes from distinct carriers is a daunting process. 

Comparison of insurance online leads to cost efficiency due to low operating costs to maintain online. PolicyBachat helps to calculate the pros and cons f the policy and buy the desired policy. PolicyBachat gives you the distinction between the carrier backgrounds, incurred claim ratio, network garages to configure the right insurance policy.

Get the top carrier quotes to distinguish the best insurance plan in terms of premium, coverage, and holding experience in the insurance sector. At Policybachat, a user can buy/renew a car insurance policy by simple easy steps instantly.


One of the top-notch car insurance companies operating successfully in the Indian insurance market is HDFC Ergo, which proudly boasts of having one of the highest claim settlement ratios. It is a preferred brand throughout the country for car insurance because of its focus on customer satisfaction. In 2013, the company was recognized as the best general insurance company across India.

HDFC ERGO is a joint venture of HDFC Limited and ERGO International AG. HDFC ERGO Car Insurance Company is one of the top 5 car insurance companies in India which offers Car insurance solutions to customers.

Why choose HDFC Ergo for insuring your car?

  • Certain age groups and professionals can avail a host of discounts on their car insurance.
  • Members of the Automobile Association are also provided with certain discounts.
  • 1600+ network garages with cashless settlement facility.
  • No documentation.
  • Simple insurance purchase procedures.
  • Can purchase a policy online instantly.
  • Spontaneous claim settlement.
  • Dedicated customer support team.

Why HDFC ERGO Car Insurance?

Paperless process

No lengthy documentation process for buying HDFC ERGO Car insurance policy.

Trust ensured

HDFC insurance policy is trusted by millions of people, over 75 Lakhs happy customers. HDFC ERGO insurance highest claim settlement ratio indicates by ICRA. HDFC ERGO Car insurance tries hard to make insurance easier, more affordable, and more dependable.

Support Assistance

HDFC ERGO gives 24/7 support assistance to avoid any discrepancies. Reach HDFC ERGO Customer Care Service Number: 022 - 62346234 / 0120 – 62346234. Now you can get in touch with HDFC ERGO on WhatsApp at 73045 24888.

Technological Services

Nowadays everything is digital; HDFC ERGO car insurance has used robotic automatic and voice analytics for better customer experience and service. Customer service requests are operated by artificial intelligence (AI).

Features of HDFC ERGO car insurance policy

Cashless claim

Get cashless claims in all HDFC ERGO network garages in India, HDFC ERGO has more than 4800 network garages across India.

Online purchase

For the easy and fast process of your car insurance policy buy online for immediate policy within 10mins.

Insured Declared Value

The insured declared value of the vehicle is calculated by depreciation from the selling price of the vehicle by the dealer. IDV is the maximum amount where an insurer has to pay at the time of total loss.

HDFC ERGO covers

1. Third-party liability

  • Damage to the third party either severe injury or death of a person.
  • Damage to third party property

2. Own damage

  • Damage to vehicle
  • Burglary, vandalism, etc.
  • Damage caused due to self-ignition, fire, or explosion
  • Riots, terrorist acts, etc.
  • Floods, earthquakes, or any other natural disaster

3. Personal accidental Cover

  • Personal damage to the policyholder and policy also co-passengers medical claim.

Extensive coverage with these Add-ons in HDFC ERGO Car Insurance

Get recommended add-ons for your comprehensive HDFC motor insurance policy for extensive coverage and hassle-free claims. Lower your risk of the financial burden by including the possible add-ons.

Zero depreciation cover

Claim settlement made without taking depreciation into account.

Engine & gearbox protection

HDFC insurance policy protects your car against damage to your engine/gearbox against unforeseen circumstances like floods, adverse weather conditions, etc.

No claim bonus protection

A policyholder can avail discount on current car insurance renewal due to successful no claim in the preceding year. No claim bonus also increased for every successful no claim till 5 years up to 50%.

Roadside assistance

HDFC Roadside Assistance add-on cover helps you to get assistance in case of a mechanical or electrical breakdown in highways or at late nights Roadside Assistance is used. Roadside assistance services include towing service, emergency fuel filling, tire replacement, battery jump-start, minor repairs at the spot, and alternate vehicle accommodation.

Key lock replacement

HDFC ERGO key lock replacement add-on helps you in assisting new key in case of loss of key, key misplacement, or stolen.

BAJAJ Allianz

Another distinguished car insurance company operating in India is Bajaj Allianz General Insurance Company Limited, which is the result of a joint venture between Bajaj Finserv Limited and Allianz SE. The company was awarded for "Best General Insurance Company in the Private Sector" by ABP News BFSI Awards, 2014. Bajaj Allianz is known for its superior claim settlement services.

A motor insurance policy is mandatory to secure your car from any mishaps, a sudden accident might cause you huge financial loss Bajaj Allianz's car insurance policy will compensate your financial loss by paying damage expenses on your behalf. Trust is the important factor that gets positive whooping customer recommendations. Bajaj Allianz's motor insurance policy will protect against physical damage, accidental injury, death, co-passenger injury, death, and property loss of the third party.

Bajaj car insurance policy helps you to avail hassle-free claim settlement. Bajaj Allianz makes trust in its customers for the past 16 years by providing the highest claim settlement. Like house your vehicle is also the most important procession, utmost security with extensive add-ons will protect your car from a mishap. Know the right insurance premium online.

Key benefits of Bajaj Allianz car insurance:

With Bajaj Allianz car insurance, you get the following benefits:

  • Simple procedure for buying or renewing your car insurance.
  • More than 1500 network garages provide cashless garage facilities.
  • Almost 50%No Claim Bonus from your previous insurer can be transferred.
  • Our customer support team is available 24x7, 365 days a year for claims support and other assistance.
  • During the incidence of car breakdown or accident, where the vehicle cannot be shifted, Towing Facility is provided by the company.
  • Instant Claims Assistance and SMS updates on the status of your car insurance.
  • 24*7 Spot Assistance: this is a support service provided across the country to drivers caught up in any vehicular emergency, a simple breakdown, or even an accident.

Purchasing a car insurance policy depends entirely on the type and brand of car you own, the risks you want to be covered, and the premium that you can afford. Both the companies, HDFC Ergo, and Bajaj Allianz excel in their car insurance services, though certain benefits differ.

The best way to choose which company can appropriately meet your car insurance needs is to compare coverage and benefits offered by each of them and also the premium that they offer.

Features of Bajaj Allianz insurance policy

Get your policy online in simple easy ways without any documentation process.

4000+ network garages for cashless claim settlement in pan-India.

Simple steps to transfer your No Claim Bonus for a claim-free year.

Personal accident covers total disability or death.

Get 24/7 assistance from the Bajaj Allianz team to assist customer queries round the clock.

Why choose Bajaj Allianz

Extensive add-ons for optimum protection include consumables, conveyance benefit, accident shield, engine protection, etc. Get your inspection done within one working day successfully and avail the policy on the same day. Claim assistance via SMS and the team provides the nearest network garages to get repairs done.

Get Bajaj Allianz four wheeler insurance policy online instantly without any documentation process, also, get a Bajaj Allianz's car insurance renewal plan instantly online with 2 easy steps.

Click here for Bajaj Allianz car insurance policy copy download or get assistance through the Bajaj Allianz customer care toll-free number.

Which is the best policy HDFC ERGO or Bajaj Allianz?

To protect the policyholder from unfortunate damages which make an adverse impact financially, it is better to be insured. Based on the information check all the features and benefits of HDFC ERGO vs Bajaj Allianz before concluding the right insurance policy and also Compare HDFC ERGO vs Bharti Axa car insurance from PolicyBachat. Configure the premium with the benefits availed on HDFC ERGO vs Bajaj Allianz, compare car insurance quotes from top insurers online on PolicyBachat.

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