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Get HDFC ERGO vs Universal Sompo Car Insurance Comparison

Looking for HDFC ERGO vs Universal Sompo 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 products 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 of 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

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 an HDFC ERGO car insurance policy also ensures you a legal lawsuit in case of any discrepancies.

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 offering 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 plan offers the best plans and 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.

Universal Sompo Car Insurance

For hassle-free claims with cheap insurance premiums get your policy online on Universal Sompo. An online insurance policy is helpful to get a discount on your motor insurance, the policyholder will get the insurance policy soft copy to their mail immediately.

Universal Sompo has received a Gross Premium of Rs.903 Cr for year-end. Issued policies. 6 Million Settled 1,11,787 policies as of March 31, 2016.

Universal Sompo General Insurance Company Limited is a joint venture of two nationalized banks Indian Overseas Bank and Allahabad Bank, a private sector bank Karnataka Bank, FMCG Corp Dabur Investment Group, and a leading General Insurance Company from Japan Sompo Nipponkoa Insurance Inc. formed as a General Insurance Company in partnership with the public sector, headquartered in Mumbai. Universal Sompo is the first public-private General Insurance Corporation.

Discount on Universal Sompo Car Insurance

Avail No-Claim Bonus for successful zero claims

Get a discount on your insurance policy for increasing your voluntary deductible.

Additional discount for installing anti-theft devices in your vehicle.

Discount for specially designed vehicles for blind, physically handicapped citizens, this is to encourage social cause.

Add-on cover for Universal Sompo Motor Insurance policy.

Features of Universal Sompo Car Insurance

The highest claims settled with an average of 90%

More than 3500 network garages in Pan India

Get up to 7 years zero depreciation add-on cover without any cap on a number of claims.

Why Universal Sompo Car Insurance?

For hassle-free claims with cheap insurance premiums get your policy online on Universal Sompo. An online insurance policy is helpful to get a discount on your motor insurance, the policyholder will get the insurance policy soft copy to their mail immediately.

Get a Universal Sompo four-wheeler insurance policy online instantly without any documentation process, also, get a Universal Sompo car insurance plan instantly online with 2 easy steps.

General insurance policy copy downloads or get assistance through Universal Sompo customer care toll-free number.

How to compare the best car insurance quotes

Comparing car insurance quotes from distinct carriers is a daunting process. PolicyBachat.com made your work easy by showing a comparison of genuine websites. 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. Policy Bachat gives you the distinction between the carrier background, claim settlement 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.

HDFC ERGO vs Universal Sompo

Specifications HDFC ERGO Universal Sompo
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 Not Available
Cashless Garages 3000+ 2000+

Which is the best policy HDFC ERGO vs Universal Sompo?

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 Universal Sompo before concluding the right insurance policy. Configure the premium with the benefits availed on HDFC ERGO vs Universal Sompo, compare car insurance quotes from top insurers online on PolicyBachat.com.

PolicyBachat provides a comparison of top insurance companies such as Tata AIG, New India Assurance, Bajaj Allianz, IFFCO Tokio, reliance general insurance, etc. These insurance companies in India offer the best individual and family floater plans to their customers. 

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