There are many factors that come into play when you are deciding which car insurance to go with. The two types of policies have their own pros and cons, and it is important to be aware of these before choosing which policy is best for you.
One of the most important things to consider when choosing between these two policies is the cost. It is important to get the best car insurance that fits your needs. It is important to compare both these policies before you decide which one to go with. PolicyBachat is helping you find the best car insurance that fits your requirement.
1. National Car Insurance:
National is one of the most trusted car insurance providers in India and offers a wide range of products to cater to different needs at different price points. It safeguard against accidental damage or theft of the vehicle and also safeguard against third party legal liability for bodily injury and/or property damage. It also provides Personal Accident cover for owner driver/ occupants of the vehicle.
Claim Settlement Ratio: 116.44%
Network Garages: 3100+
Types of Policies:
- Private Car
- Third Party Car Insurance
- Comprehensive Car Insurance
Claim Settlement process: 24/7 claim assistance
Own Damage Cover: fire, explosion, self-ignition or lightning, burglary, housebreaking or theft, riot and strike, landslide, earthquake, flood, cyclone, etc.
Standalone CPA Cover:
- Death (100%).
- Loss of two limbs or loss of sights of two eyes or one limb and sight of one eye (100%).
- Loss of one limb or sight of one eye (50%).
- Permanent Total disablement from injuries other than above (100%).
Third Party Cover: It covers any injuries or property damages up to Rs. 7.5 lakh.
Personal Accident Cover: It covers is up to 7.5 lakh.
Highlights:
- Annual Package Policy
- Annual Liability only Policy
2. Bharti AXA (ICICI Lombard) Car Insurance:
A car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary.
Claim Settlement Ratio: 76.53%
Network Garages: 9500+
Types of Policies:
- Private car insurance
- Standalone Own Damage car insurance
- Third Party Car Insurance.
Claim Settlement process: Quick & Hassle free Process
Comprehensive car Insurance:
- burglary, explosion, flooding, water clogging
- Third-party liability
- Own Damage expenses
- Covers your car against theft
Third Party Car Insurance:
- You don’t have to pay for the damages caused for your involvement in an accident.
- Your expenses would be taken care of by the insurance company when you experience damage, death or disability.
Standalone Car Insurance:
- Theft of your car
- any road accident
- mishaps due to natural calamities like floods, earthquake and more.
Highlights: 24/7 Roadside Assistance, and instant e – policy insurance policy without paperwork.
Get the top carrier quotes to compare the best insurance plan in terms of premium, and coverage. At PolicyBachat, you can buy/renew a car insurance policy in simple easy steps instantly by comparing online.
Which Is Better HDFC ERGO Vs ICICI Lombard Car Insurance?
If you need a car insurance company with long driving experience, then HDFC ERGO is your best option. Comparing HDFC ERGO and ICICI Lombard is the best option if you are looking for a reliable car insurance company.
The customer service provided by HDFC ERGO is unbeatable, with extensive toll-free numbers and quick responses to queries. Along with a good coverage, the pricing of ICICI Lombard is also reasonable. Life insurance will depend on factors such as Customer Service, Pricing, and Product Portfolio.
1. HDFC ERGO Car Insurance:
- Claim Settlement Ratio: 79.21%
- Network Garages: 6800+
- Benefits:
- Third Party liability Coverage up to 7.5 lakhs
- Personal Accident Coverage up to 15 lakhs
- Overnight repair services for minor accidental damages or breakdowns.
- 24x7 Emergency Assistance
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
2. ICICI Lombard Car Insurance:
- Claim Settlement Ratio: 76.53%
- Network Garages: 9700+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2, 00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
It is important to know your budget and requirements so that you can get right policy that suits your needs. PolicyBachat helps you with this by comparing different car insurance policies online.
Which Is Better Go Digit Vs ICICI Lombard Car Insurance?
The answer to this question depends on what you are looking for. If you are looking for an insurance company that offers the most benefits and has the lowest premiums, then ICICI Lombard Car Insurance might be the best option for you. They offer a wide range of benefits like accidental death and total disability cover, medical cover, and more.
If you need a car insurance company that offers long driving experience then Go Digit might be your best option. Comparing Go Digit and ICICI Lombard Car Insurance depends on the factors such as Customer Service, Product Portfolio, Pricing, Best Coverages, suitability and Claim Settlement Ratio.
1. Go Digit:
- Claim Settlement Ratio: 74.82%
- Network Garages: 5800+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage up to Rs. 15 lakhs
- 24x7 Emergency Assistance
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
2. ICICI Lombard Insurance:
- Claim Settlement Ratio: 76.53%
- Network Garages: 9700+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2, 00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
It is important to know your budget and requirements so that you can get right policy that suits your needs. PolicyBachat helps you with this by comparing different car insurance policies online.
Which Is Better Future Generali Vs ICICI Lombard Car Insurance?
The answer to this question depends on what you are looking for. If you are looking for an insurance company that offers the most benefits and has the lowest premiums, then ICICI Lombard Car Insurance might be the best option for you. They offer a wide range of benefits like accidental death and total disability cover, medical cover, and more.
If you need a car insurance company that offers long driving experience then Future Generali might be your best option. Comparing Future Generali and ICICI Lombard Car Insurance depends on the factors such as Customer Service, Product Portfolio, Pricing, Best Coverages, suitability and Claim Settlement Ratio.
1. Future Generali Car Insurance:
- Claim Settlement Ratio: 57.67%
- Network Garages: 5000+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Towing facility
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
2. ICICI Lombard Car Insurance:
- Claim Settlement Ratio: 76.53%
- Network Garages: 9700+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2, 00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
It is important to know your budget and requirements so that you can get right policy that suits your needs. PolicyBachat helps you with this by comparing different car insurance policies online.
Which Is Better Edelweiss Vs ICICI Lombard Car Insurance?
The answer to this question depends on what you are looking for. If you are looking for an insurance company that offers the most benefits and has the lowest premiums, then ICICI Lombard Car Insurance might be the best option for you. They offer a wide range of benefits like accidental death and total disability cover, medical cover, and more.
If you need a car insurance company that offers long driving experience then Edelweiss might be your best option. Comparing Edelweiss and ICICI Lombard Car Insurance depends on the factors such as Customer Service, Product Portfolio, Pricing, Best Coverages, suitability and Claim Settlement Ratio.
1. Edelweiss Car Insurance:
- Claim Settlement Ratio: 116.31%
- Network Garages: 2000+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage up to 2 lakh
- 24x7 Emergency Assistance
- Prompt and time-bound visit of the surveyor of claims.
- Coverages & Discounts:
- Edelweiss Private Car Package Insurance
- No-Claim Bonus (NCB)
- Increased discount on premium in case of voluntary deductible in addition to compulsory deductible.
- Discount on being an active member of a recognized Automobile Association of India (AAI).
- Additional discount for vintage cars.
- Additional discount if you have installed an Automobile Research Association of India (ARAI) approved anti-theft device in your vehicle.
- Discount for laid-up vehicles.
- Discount on Third Party Property Damage.
- Edelweiss Private Car Liability Only Insurance - Rs. 100 discount for a cover (limited amount) of Rs. 6,000/- for Third Party Property Damage.
2. ICICI Lombard Car Insurance:
- Claim Settlement Ratio: 76.53%
- Network Garages: 9700+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2, 00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
It is important to know your budget and requirements so that you can get right policy that suits your needs. PolicyBachat helps you with this by comparing different car insurance policies online.
Which Is Better Cholamandalam MS Vs ICICI Lombard Car Insurance?
The answer to this question depends on what you are looking for. If you are looking for an insurance company that offers the most benefits and has the lowest premiums, then ICICI Lombard Car Insurance might be the best option for you. They offer a wide range of benefits like accidental death and total disability cover, medical cover, and more.
If you need a car insurance company that offers long driving experience then Cholamandalam MS might be your best option. Comparing Cholamandalam MS and ICICI Lombard Car Insurance depends on the factors such as Customer Service, Product Portfolio, Pricing, Best Coverages, suitability and Claim Settlement Ratio.
1. Cholamandalam MS Car Insurance:
- Claim Settlement Ratio: 82.95%
- Network Garages: 8500+
- Benefits:
- Third Party liability Coverage up to 7.5 lakh
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Coverages & Discounts:
- No Claim Bonus
- Passenger Personal Accident cover: With 100 Rs/person the owner-driver is covered with a Sum Insured of Rs.2,00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Automobile Association Membership
- Anti-theft Device
2. ICICI Lombard Car Insurance:
- Claim Settlement Ratio: 76.53%
- Network Garages: 9700+
- Benefits:
- Third Party liability Coverage
- Personal Accident Coverage
- 24x7 Emergency Assistance
- Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2, 00,000 for each of the occupants.
- Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver
- Coverages & Discounts:
- No Claim Bonus
- Voluntary Discounts
- Automobile Association Membership
- Anti-theft Device
PolicyBachat help you choose the best car insurance policy by comparing online. It is important that you know what your budget and requirements are, to decide on the right one for your needs.