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Get HDFC ERGO vs Bharti AXA Car Insurance Comparision

Get car insurance quotes from general insurance companies in India. Compare and Choose the best motor or car insurance company. Choose a car insurance company to secure from any mishap, get your policy online for easy claim settlement and policy renewal.

PolicyBachat cater you the best car insurance companies in India for hassle-free claim settlement. Compare Bharti Axa vs HDFC ERGO car insurance company that has a reliable claim settlement ratio in less time period.

HDFC ERGO Car Insurance online

HDFC ERGO General Insurance Company is into different verticals to provide insurance service to every branch such as HDFC ERGO Motor Insurance, HDFC ERGO Two Wheeler Insurance, HDFC ERGO Health Insurance, Personal Accident Insurance, Home Insurance, Travel Insurance, Commercial Insurance, and Rural Insurance.

HDFC ERGO Car Insurance Policy

Buying a four-wheeler is not only the primary, timely insurance is the ultimate factor to secure you from unfortunate damages. This is because of increases in accidental hazards on roads, this might cause damage to your vehicle, third party, and personal accidents. To avoid all the unfortunate cases an insurance policy is mandatory to secure. A car insurance policy is mandatory to get rid of huge financial losses like theft, vandalism,

HDFC ERGO offers third-party damage cover, personal liability cover, and accidental coverage to ensure all-around protection. Buying a car insurance policy also ensures you a legal lawsuit in case of any discrepancies. HDFC Ergo offers two types of policies as HDFC Ergo Third party car insurance policy and HDFC Ergo Comprehensive Car Insurance Policy.

Why HDFC 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 indicated by ICRA.

Support Assistance

HDFC ERGO gives 24/7 support assistance to avoid any discrepancies. Reach HDFC ERGO Customer Care Service Number:  022 - 62346234 / 0120 - 62346234 or email us: care@hdfcergo.com

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 product has to pay at the time of total loss.

Determining factors of HDFC Ergo Vehicle insurance premium

Insured Declared Value

Vehicle age

Place of registration

Vehicle model

Fuel type

Vehicle owner age and gender

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

Get recommended add-ons for your comprehensive HDFC motor insurance policy for extensive coverage and hassle-free claims processing. 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 service includes 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.

Bharti AXA Car Insurance Online

Bharti AXA General Insurance Company is a joint project between Bharti enterprise an Indian conglomerate and AXA, a leading financial protection group in the world. Registered under IRDA and started its operations in August 2008.

We offer insurance solutions for a wide range of possibilities in distinct verticals Bharti Axa vehicle insurance, Bharti Axa two wheeler insurance, Bharti axa health insurance, Bharti axa travel insurance,  Bharti axa life insurance, etc. Bharti AXA has a distinct approach with adverse possibility coverage solutions to a wide range of customers.

Compare Bharti Axa Car insurance quotes online at Policybachat which has dedicated team of  assistants to give the best services. You can do bharti axa insurance online renewal in our portal.

Features

Over 9.8 Million policies issued

Yea, we have issued 9.8 Million policies to our customers, our simple and paperless documentation process online helps issue insurance policies to our customers easily.

Claims settled

We settled 1.3 Million claims and stood as the best insurance company for immediate claim settlement. Bharti AXA team worked round the clock for hassle-free claim settlement without any delay, stringent rules have been implemented for fast claim settlement.

Our presence across India

We have 79 branch offices across India, a customer can find our branch offices in metro and 2nd tier cities to solve all queries related to insurance.

2500+ network garages

Our widespread network garages make our customers find the network garages near to their place to get the damage repairs done.

AXA Assistance

We are ahead in providing 24*7 worldwide assistance your abroad travel makes you stress-free by AXA assistance.

Bharti AXA Motor Insurance Policy Online

Types of Bharti AXA car insurance policies

Broadly, Bharti Axa Four Wheeler insurance online policy is divided into 2 types for unpredicted damage loss

Third party insurance

Damage caused to the third party in case f accident made by the policyholder and also third-party property damage is claimed.

IRDA (Insurance Regulatory Authority of India) has made a recent update in the premium for third party insurance.

capacity Premium
< 1000cc Rs.2,055
1,000cc -1,500cc Rs.3,132
> 1,500cc Rs.8,630

Note: The maximum limit of compensation is up to 7.5 Lakhs. The amount of compensation is determined by a court of law.

Comprehensive car insurance policy

Get claim assistance in case of damage to your vehicle in case of accident, theft, vandalism, floods, fire, damage caused by animals, and other natural disasters except for damage due to a collision. A comprehensive car insurance policy is claimed by the calculating value of the vehicle after deducting depreciation. Passenger/ driver damage claim is calculated as in case of disability is as follows:

Type of injury Claim level
Death  100%
Loss of one limb and one eyesight 50%
Loss of two limbs and full eyesight 100%
Permanent disablement  100%

Bharti AXA car insurance Add-on covers

Zero depreciation cover

Get zero depreciation cover to avail the optimum benefits at the time of claim settlement, get rid of depreciation at the expense of plastic, fiber, rubber, and glass parts. Get a 100% claim on these parts for repairs/ replacement.

Roadside assistance

In case of an emergency breakdown of your vehicle, the Bharti AXA team will assist you in emergency situations for fuel filling, towing, flat tires, and repairs.

Co-passenger cover

Bharti AXA co-passenger cover avails you 2 lakhs personal accident cover and up to 1 lakh co-passenger cover.

Medical expenses

Get Bharti AXA medical expenses cover 10,000 0for treatment and medication.

Hydrostatic lock

In case of engine damage due to heavy rains or floods, Bharti AXA hydrostatic lock add-on cover helps to avail sum insured, coverage of repairs, and replacement of damaged parts. This add-on is applicable to vehicles aged less than 5 years.

Consumables cover

Expenses incurred  in Bharti axa claim settlement ratio on consumables nuts, bolts, brake oil, engine oil are claimed in case of any damage repairs Bharti AXA consumables cover is helpful.

A policyholder can choose the required add-on to protect from any hazards, Bharti AXA  insurance for cars gives you extensive add-on options for optimum coverage of your vehicle and personal too.

Exclusions of Bharti AXA car insurance policy

Drunk & Drive

Driving a vehicle under the influence of alcohol is an offense by a court of law and accidents made under influence of alcohol cannot be claimed.

Planned accident

Staged accidents are offenses, organized accidents to get the claim is void. In staged accidents, your entire policy will lapse.

Commercial use

If the policy is registered for personal use and the actual activity of the vehicle is for commercial use. Improper disclosure of vehicle, use will void the car insurance policy.

Valid license

If a person driving a vehicle without any valid license will lapse your entire policy and a policyholder cannot claim compensation for damage caused by wrong side driving.

Savings on Bharti AXA auto insurance online premium

Bharti AXA policy avails you of a discount on your car insurance policy for passing specific guidelines.

No-claim bonus

No claim bonus is a discount given by policyholders for accidental-free driving. This discount is to encourage the safety of driving without any accidents.

Secured devices

Installation of secured devices like an anti-theft system, handle lock system decreases the risk of theft this, in turn, helps you to avails the discount.

AAI membership

A policyholder gets a 5% discount for being a member of the Automobile Association of India (AAI).

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