HDFC ERGO Vs Royal Sundaram Car Insurance Comparison 2024

Updated On: 2023-04-21

Author : Team Policybachat

HDFC ERGO and Royal Sundaram are two leading car insurance companies. They've been in the industry for over a decade and have impressive new products to offer. Their services have been compared because they provide similar offers in terms of cost, coverage, etc. These two companies stand out and have a better reputation.

It's important to find the best car insurance for your needs. It should also be worth the money you spend. It's important to compare HDFC ERGO and Royal Sundaram Car Insurance companies to find the one that will work for you.

Both HDFC ERGO and Royal Sundaram offer different packages and discounts to draw more customers. The best way to find the right car insurance policy is by evaluating these factors first.

  • The first thing you should look at when comparing different types of insurance is the level of coverage. It's important to know what kind of protection you need before making a decision.
  • The second factor to consider you need to tell us about your driving history before we can process your insurance. You should know if you have any accidents on your driving record.
  • The third factor to consider is your current insurance policy and its expiration date. You should also make sure that you are covered under your current policy before switching policies.

The article highlights the key differences between these two companies and features/their pricing structure to help you choose which one is better for you. Whether it's their service levels or target customers that are better is up to you.

Key Features HDFC ERGO Car Insurance Royal Sundaram Car Insurance
Premium Starts at Rs. 2072 Save up to 70% off
No Claim Bonus (NCB) Up to 50% discount Up to 50% discount
Claim Assistance 24x7 claim assistance, Quick and Easy 24x7 emergency assistance
Easy Claims Overnight repair service is also available for claims Hassle free claims of less than 5 days.
Happy Customers 1.5Crore+ 28 Million+

Comparison of HDFC ERGO Car Insurance vs Royal Sundaram Car Insurance:

Both HDFC ERGO vs Royal Sundaram Car Insurance Companies offer a wide range of cover options with a low premium, has a dedicated customer service team that helps customers get the best deal possible, and offer an easy claim process.

We explained in detail the difference between HDFC ERGO insurance company and Royal Sundaram Car Insurance. The comparison will be done based on various factors such as claims, customer service, policy cost, and more.

Compare HDFC ERGO Car Insurance Royal Sundaram Car Insurance
Claim Settlement Process Quick and Easy Claim Settlement Process Claim settlement processed within 10 working days
Types of Policies
  • Comprehensive Car Insurance
  • Third Party Car Insurance
  • Standalone Own Damage Cover
  • Private Car Bundle Policy.
  • Standalone Own Damage Car Insurance
  • Comprehensive Car Insurance
  • Standalone Third Party Car Insurance
  • Zero Depreciation cover
  • No Claim Bonus Protection
  • Emergency Assistance Cover
  • Downtime protection
  • Engine and gearbox protection
  • Return to Invoice.
  • Full Invoice Price Cover
  • No Claim Bonus (NCB) Protector
  • Tyre Cover
  • Key Protector
  • Depreciation Waiver Cover
  • Loss of baggage Cover
  • Windshield Glass Cover
  • Spare car clause
  • Voluntary deductible cover
  • Engine protector cover
  • Life time road tax clause.
Additional Benefits
  • Get Instant Quotes
  • Payment Reminders
  • Instant Coverage
  • Quick Issuance
  • Zero paperwork
  • Convenience
  • Control over coverages
  • 24x7 customer service
  • Free roadside assistance
  • Automobile association of India membership discount
  • Voluntary deductible discount.
What is Covered?
  • 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.
  • Damages sustained by the insured car due to fire, ignition, or explosion
  • Accidental damage caused due to external force or act
  • Natural calamities like storms, floods, typhoons, etc.
  • Burglary, theft, housebreaking, etc.
  • Act of Terrorism, and malicious acts.
  • Any legal liability arising out of damages caused to third-party property, vehicle or injury, or death claim in case of life
  • Personal accident cover.
Accessibility Online through
PolicyBachat & HDFC ERGO Website.
Online through
PolicyBachat & Royal Sundaram Website.

How to Choose the Best Car Insurance Company in India?

The definition of the best car insurance company is subjective as it varies from individual to individual depending on their requirements. It's hard to say which car insurance company is best because it depends on your individual needs. When deciding which car insurance company is best for you, consider whether you prioritize the highest claim settlement ratio or a wide network of cashless garages.

Thus, several parameters make an insurance company the best for an individual. One should consider the following factors while choosing a car insurance company.

  • Network of cashless garages
  • Claim settlement ratio
  • Availability of add-ons
  • Customer support service.
Key Points HDFC ERGO Car Insurance Royal Sundaram Car Insurance
Claim Settlement Ratio 70.02% 87.89%
Cashless Garages 6800+ 4600+
Solvency Ratio 1.90 1.87
Branches 200+ 158+

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.

  • 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.
  • Paperless Process: No lengthy documentation process for buying an HDFC ERGO car insurance policy.
  • Easy on your pocket
  • Cashless Assistance
  • With over 1.5 crore+ happy customers
  • Overnight Repair Services for minor accidental damages or breakdowns
  • ISO certification for policy issuance, customer servicing, and seamless information security processes
  • ICRA recognized IAAA rating and highest claim-paying ability
  • Overnight car repair services
  • 1 crore+ secured and satisfied customers
  • Upgraded Policies and plans to cover most risks your car may be subjected to
  • Paperless and time-saving online transactions option
  • Excellent automated and round the clock customer support
  • 24*7 customer support helpline.
  • This plan offers doorstep repair service for the customers.
  • Roadside assistance is also covered in this plan.
  • Overnight Car Repair Service
  • Unlimited Claims Service
  • 20 Minute Claim Approval Process.

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

Know More

Royal Sundaram Car Insurance:

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority (IRDA) of India. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India, and other Indian Shareholders.

Royal Sundaram has over 2000 employees, and 28 million customers with 158 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers, and online.

  • No Claim Bonus (NCB) cover is Up to 50%
  • Personal accident cover for all passengers and paid driver up to Rs. 50 lakh
  • Legal Liability for paid driver
  • Legal liability for passengers
  • Comprehensive cover for electrical/electronic/non-electrical fittings
  • Cover for CNG kit and Bi-fuel system.
  • Minimal Documentation
  • Protection from inflation (No need to pay an extra amount even increase in Third Party premium)
  • Quick claim settlement
  • Vehicle replacement value plus
  • Quick Claim Settlement Process within 10 working days.
  • 24x7 valet care emergency assistance and cashless service
  • 100% simplified claims and hassle-free claims done in less than 5 days
  • M-inspect app digital service to the comfort of your home
  • A one stop app for all policy details, claim processes, and other requests through M-CHATRA App.

*Know about Royal Sundaram Car Insurance benefits and coverages in this Article*

Know More


In this article, we discussed how HDFC ERGO vs Royal Sundaram car insurance plans is different. You'll learn the pros and cons of each plan, as well as the different impacts they can have on your monthly car insurance payment.

To handle the financial consequences caused by unfortunate circumstances, it's best to get insurance. Compare HDFC ERGO vs Royal Sundaram for a comprehensive overview of coverage per feature to find the right policy for you.

Select the car insurance company which has all the features and benefits that you are looking for. To make a better decision, you should make sure to know all the required information above and go for the one which gives the best coverages at good prices.

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