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Get HDFC ERGO vs IFFCO Tokio Car Insurance Comparison

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.

Looking for HDFC ERGO vs IFFCO Tokio Car Insurance Comparison, Key Benefits, and Features to Buy best Car Insurance Policy.PolicyBachat is helping you find the best types of 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.

HDFC Ergo Car Insurance

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.

HDFC ERGO offers third-party damage cover, personal liability cover, and personal accident cover to ensure all-around protection. Buying an HDFC ERGO car insurance policy also ensures you a legal lawsuit in case of any discrepancies.

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 car insurance 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.

IFFCO Tokio Car Insurance 

IFFCO Tokio caters you the coverage against physical damage to your car, personal damage or injury, and third-party liability like personal injury or death and property damage. A comprehensive car insurance policy is the ideal plan for optimum protection of third-party liability, personal liability, and a popular add-on for easy claim settlement. Choose a car insurance policy according to your vehicle requirement.

Why choose the IFFCO Tokio car insurance plan?

Unfortunate mishap may cause anytime be cautioned by taking insurance policy for your vehicle, stay protected from the mishap and any other legal consequences through IFFCO Tokio car insurance policy.

Get assistance immediately in case of any mishap from IFFCO Tokio call the support team at the toll-free number: 1800-103-5499 or mail us to websupport@iffcotokio.co.in

Benefits of IFFCO Tokio car insurance policy

Get the soft copy of the policy to your mail immediately after payment.

For new renewal of policy get the inspection of your motor car at your doorstep.

An around-the-clock support assistance team.

Emergency service for ‘On Road Protector Cover included in premium as an add-on.

Coverage:

IFFCO TOKIO has introduced the Corona Rakshak Health insurance policy to provide coverage against the ongoing Coronavirus pandemic. The policy is designed in accordance with the guidelines specified by the IRDA for the coverage, terms, and conditions. The policy is a benefit policy where the entire sum insured is paid to the customer in case if he/she is tested positive for Coronavirus. The features of the policy include:-

  • The Corona Rakshak Health insurance plan offers the policyholder a lump sum payment if they require hospitalization after testing positive for COVID-19. The entire sum insured is paid to the policyholder without taking into consideration the actual bill amount.
  • The Sum insured under the Corona Rakshak health insurance policy starts from Rs.50k and goes upwards till Rs.2.5Lacs. The sum insured increases in the intervals of Rs.50k and the premium is also decided based on the sum insured.
  • The Coverage can be availed by anyone from the ages of 18 years to 65 years.
  • The Corona Rakshak health insurance plan is a short-term insurance plan. The coverage can be availed for 3.5Months, 6.5months, and 9.5 months.
  • The test for Coronavirus has to be done in the Government-authorized testing center for the coverage to be applicable.

Add-ons after 5 years age:

IFFCO TOKIO is one of the general insurance companies which are offering add-ons to vehicles aged more than 5 years of age. The bumper-to-bumper coverage and other add-ons such as Consumables, Engine cover, Roadside assistance are available for cars aged up to 10 years. The Invoice cover is provided only up to 3 years of vehicle age.

The other insurance companies in the Indian market provide the add-on coverage up to a maximum of 5 years of vehicle age, but IFFCO TOKIO is providing the Nil depreciation or Bumper to bumper cover or Zero depreciation after 5 years age of the car.

If in case the customer has not opted for Bumper to bumper cover the previous year and is willing to purchase this year, then a pre-inspection will be carried out by the insurance company to assess the risk associated with the car and then issue the policy with bumper to bumper based on the inspection report.

The premium for the add-ons keeps on increasing each year and varies from company to company. Some insurance companies calculate the bumper to bumper premium as a percentage of the insured declared value and the other companies have a flat rate for the coverage. In the first method, the IDV decreases each year, and hence the bumper to bumper premium also decreases each year but in the second method, the bumper to bumper premium may increase each year.

Bumper to Bumper Claims:

IFFCO TOKIO general insurance company provides the benefit of Bumper bumper claims up to a maximum of TWO  number of claims reported during the policy period. If a claim is made for the third time in the policy period, the claim may or may not be settled on the bumper to bumper basis.

HDFC ERGO vs IFFCO Tokio

Specifications HDFC ERGO IFFCO TOKIO
24*7 Road Side Assistance Not Covered Covered
Engine Protection cover Optional Not covered
Key Replacement Not Covered Not Covered
Max PA cover 2,00,000 2,20,000
ARAI Approved Anti-Theft Device Not Covered Covered

To protect the policyholder from unfortunate damages which make an adverse impact financially, it is better to be insured. Check all the features and benefits of HDFC ERGO vs IFFCO TOKIO before concluding the right insurance policy. Configure the premium with the benefits availed on HDFC ERGO vs IFFCO TOKIO, compare car insurance quotes from top insurers online on PolicyBachat.

PolicyBachat provides a comparison of top insurance companies such as Tata AIG, New India Assurance, Bajaj Allianz, royal Sundaram, Etc.  Refer to these comparisons before choosing the best car insurance companies in India.

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