HDFC ERGO Vs Future Generali Car Insurance Comparison 2024

Updated On: 2023-04-18

Author : Team Policybachat

HDFC ERGO vs Future Generali Car Insurance are the two leading insurance companies in India. One of the most important decisions you will ever make is to choose the right insurance plan for your car. They have almost similar products, but their pricing and coverage are different.

HDFC ERGO is a cost-effective plan that provides basic coverage. Future Generali is a premium-based plan with features like accident cover, roadside assistance, and travel benefits. The question then becomes - which one should you choose? In this article HDFC ERGO vs Future Generali Car Insurance comparison, we will help you to make an informed decision.

Future Generali has been around for a long time and is considered one of the best car insurance companies in the India. On the other hand, HDFC ERGO is an insurance company that works with multiple brands. They are considered one of the most reliable insurers in the country.  Whether it is HDFC ERGO or Future Generali car insurance the best car insurance company always provides:-

  • Good coverage offered
  • Better price
  • Best customer services
  • Customization of add-ons
  • Claim settlement ratio
  • No. of cashless garages
  • Analyzing car insurance needs
  • Financial ability of the company
  • Third party liability coverage
  • Personal accident cover.

For some individuals, a car insurance company that has the highest claim settlement ratio is the best, while for others the insurance company which has a wide network of cashless garages is the best. Thus, there are several parameters that make an insurance company the best for an individual. One should consider the following factors while choosing a car insurance company.

Key Points HDFC ERGO Car Insurance Future Generali Car Insurance
Claim Settlement Ratio 70.02% 66.13%
Cashless Garages 6800+ 4000+
Solvency Ratio 1.90 1.67
Branches 200+ 121+
Claims Settled 1 crore 2.06 lakhs

The premiums are displayed according to your details, compare the quotes and buy the policy according to your needs and budget.

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HDFC ERGO Car Insurance:

HDFC ERGO provides car insurance services in India with innovative features and a wide variety of policies. Additionally, they have offerings for all types of vehicles. HDFC ERGO offers third-party damage cover, personal liability cover, and accidental coverage to ensure all-around protection.

HDFC ERGO Car Insurance offers customer-centric solutions, providing competitive rates and excellent customer care. The company has an extensive network across the country, which makes it easy to compare rates and choose the best policy that suits you.

Types of policies
  • Comprehensive Car Insurance
  • Third Party Car Insurance
  • Standalone Own Damage Cover
  • Private Car Bundle Policy.
  • Zero Depreciation cover
  • No Claim Bonus Protection
  • Emergency Assistance Cover
  • Downtime protection
  • Engine and gearbox protection
  • Return to Invoice.
What is Covered?
  • Get Instant Quotes
  • Payment Reminders
  • Instant Coverage
  • Quick Issuance
  • Zero paperwork
  • Convenience
  • Control over coverages
  • 24x7 customer service
  • Physical Injury
  • Death of an Individual
  • Damage to the Property
  • Personal Accident Cover
  • A comprehensive Car Insurance policy covers accidents, natural/man-made calamities, fire and explosion, theft, etc.

*Know about HDFC ERGO Car Insurance benefits and coverages in this Article*

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Future Generali Car Insurance:

against financial liability which you may incur towards a third party due to the death of or bodily injury or damage to the property sustained by them, due to the involvement of your insured car and coverage for any damage or loss sustained by your car due to an accident, theft, fire, riot, strike, earthquake, flood, cyclone and so on.

The insurer makes you get a car insurance policy instantly with cashless or direct payment gateways. In addition to this, it also gives several discounts to its customers to enjoy the insurance covers at lower rates such as No Claim Bonus, anti-theft device, Automobile Association membership, and many more.

Types of policies
  • Third party car insurance
  • Comprehensive car insurance
  • Own damage car insurance.
  • Zero depreciation cover
  • Tyre damage
  • Return to invoice
  • Theft or loss of keys
  • NCB Protection
  • Inconvenience allowance
  • Loss of personal belongings
  • Engine protection
  • Legal liabilities.
What is Covered?
  • Damages due to floods, storms, hurricanes, landslides, etc.
  • Damages due to riots, strikes, terrorist activities, etc.
  • Theft of the insured vehicle
  • In-transit losses
  • Cover against own damage
  • Cover against third-party liability
  • Personal accident cover up to Rs. 1 lakh
  • Personal Accident Cover Third Party Liability
  • Paid driver/conductor/cleaner employed in operation of the car.
  • Employees travelling in/driving the car other than paid driver.
  • Non-fare paying passengers.

*Know about Future Generali Car Insurance benefits and coverages in this Article*

Know More

Comparison of HDFC ERGO Car Insurance vs Future Generali Car Insurance:

Since there are many different car insurance plans available today, it is crucial to compare the needs of your car with them all and then make a choice. These comparisons are best made online as more information is accessible on the internet and it is often easier to draw comparisons across several different categories. Consider the following key factors associated with these comparisons.

The comparison will be done based on various factors such as claims, customer service, policy cost, and more. However, some key differences make them stand out from each other.  This article will help you decide which insurance company to go with, explains the pros and cons of both policies, and how they compare with each other.

Key Features HDFC ERGO Car Insurance Future Generali Car Insurance
Premium Starting at just Rs. 2094 Up to 60% savings
No Claim Bonus (NCB) Up to 50% discount Up to 50% discount
Claim Assistance Quick and Easy Claim Settlement Process 24x7 claim assistance, and 24x7 Roadside assistance
Easy Claims Through the HDFC ERGO Insurance Mobile App Quick and hassle-free claim settlement through Future Xpress and Xpress+ available
Accessibility Online through
PolicyBachat & HDFC ERGO Website.
Online through
PolicyBachat & Future Generali Website.
  • Third Party Damages: It covers personal accidents, third party injuries, and property damages
  • Own Damage Covers: It Covers accidents, fire & explosion, theft, and calamities
  • No Claim Bonus: The No Claim Bonus (NCB) covers up to 50%.
  • Personal Accident Cover: It covers you up to Rs. 15 lakhs.
  • Comprehensive Car Insurance: It covers you against accidents, natural/manmade disasters, In-transit damages, fire and explosion, theft, and personal accidents cover.
  • Third party liability protect you financially cover up to Rs. 7.5 lakhs
  • Personal accident cover up to Rs. 15 lakhs.
  • Coverage for own car for its loss and damage
  • Settles 2.1 lakh+ claims every year
  • 24x7 emergency assistance is provided
  • Digitally enabled processes with FG Insure App
  • Provides a simple and swift claim settlement process
  • Towing assistance for your vehicle during an emergency
  • Transfer of ‘No claim bonuses’ to any other insurance provider.
  • Toll-free facility for assistance by customer care executives when you need it
  • Claim finalization or settlement will be reported within 7 working days from the date of receipt of all the documents.
  • Quick policy purchase online
  • 24x7 claim assistance
  • Cashless claim settlement at network garages
  • Touchless policy issuance
  • No break-in coverage
  • Get Instant Quotes
  • Payment reminders
  • Instant Coverage
  • Quick issuance with minimal paperwork
  • Seamlessness and transparency
  • Prompt customer service
  • Control over coverage.
  • Hassle-free Claim Process
  • Anti-theft Devices
  • Quick Survey
  • Towing Assistance (for Accidents)
  • Roadside Assistance
  • Future Xpress and Xpress+
  • Convenient policy processing with minimal documentation
  • Instant issuance of your policy
  • Hassle-free experience getting your car insured.
  • Quick policy purchase online
  • 24x7 claim assistance
  • Cashless claim settlement at network garages
  • Touchless policy issuance
  • No break in coverage.
  • Instant policy
  • Get a soft copy of the policy instantly to your mail
  • Customer-centric approach
  • Customer service assistance with online support to the customers
  • Easy claim settlement
  • Get a personal accidental cover up to 1 Lakh.
  • Get your claim settled without any hassle within 7 working days.

How to Buy the Best Car insurance Policy?

Compare car insurance policy rates online in India with PolicyBachat and select the one that meets most of your financial expectations. You can easily get multiple car insurance quotes online from the best car insurance companies in India.

  1. Fill required details at the top of this page, and select your car model, RTO Location, registration date, and email address.
  2. Click on the START SAVING MONEY
  3. Premiums with different insurance companies are displayed with low premiums
  4. Select required add-ons/riders and discounts, or
  5. Even you can edit policy details
  6. After that fill in the vehicle owner details and owner details
  7. Purchase the best car insurance policy using online payment
  8. If any queries are raised call: 1800-123-4003.


Before going for the best car insurance company consider the factors like value for money, coverage options, better services, and convenience guaranteed. Comparisons allow you to accurately determine the best car insurance plan available that provides several benefits for a low price.

You need to choose an adequate and appropriate insurance plan with care. It is prudent to go through all terms and conditions written on the information brochure of car policies beforehand.

Consider all the benefits, coverages, and discounts. Choose a car insurance policy according to your vehicle requirement. Now that you already know the difference between these two companies; start comparing the car insurance policies premiums of HDFC ERGO and Future Generali car insurance above to select the best insurance company for your car.

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