CAR INSURANCE QUICK QUOTES ONLINE REGISTRATION

Purchasable for cars up to 5 years of ageĪll costs incurred are shareable between customer and insurer Purchasable for cars less than 15 years of age Higher value compared to traditional coverage Have a relevant zero dep car insurance plan, or simply top up your comprehensive car insurance plan with the bumper-to-bumperĬlaim settlement only happens after deducting car depreciation as per mentioned rates.Ĭlaim settlement post inclusion of car depreciation. Zero Depreciation insurance means that despite the value of yourĬar going down with time, you get complete coverage on expenses incurred in case of damage. If this disheartens you, then you might want to invest in a zero depreciation policy. Tend to get lesser coverage on claims, year-on-year. It happens quickly with cars and despite the best insurance plans, you This causes a dip in the total value of the asset. Most assets like our cars, see wear and tear over a period of usage. In this case, the claim settlement process may take up to 60 days. This purpose all associated documents will be collected from the police. In the event of theft of the insured vehicle, the company will hire a private investigator to track the same and for Of Call Center Intimation the executive on call will provide you with the reference claim number. Post claim Intimation you will receive the Claim Number via SMS and in case Once you have taken these initial steps, just relax, take it easy and give a call on the HDFC ERGOĬustomer Care number-18002700700or simply log on to to register your claim. You to explain the incident while claiming and also in case you want to file an FIR in the police station. Just enter some of the details of the car and the coverage that you seek and our calculators would calculate the exact premium that you would have to pay.ĭuring intimation to HDFC when filing for the claim, you must have the following 3 documents ready for reference:Īt the time of an accident, take down the number of the other car involved and try to take sufficient pictures and Video of the accident spot with the vehicle and objects involved. We offer you easy car insurance calculators that help you in estimating the premium payable for the policy that you choose. Though the car insurance premium depends on these many factors, you don’t have to do the calculations manually. The higher the IDV that you choose the higher would be the premium payable. Range of IDV options in our car insurance plans. The IDV also represents the maximum coverage allowed under your car insurance plan. It is calculated by deducting depreciation from the market value of the car. IDV: IDV is the Insured Declared Value of your car. This is because you would have to pay a lump sum premium for the multi-year coverage that you avail of.ġ0. Tenure of the plan: If you buy a long-term policy, where the coverage is for more than a year, the premium would be higher. You can claim these discounts and reduce the premium outgo.ĩ. Policy discounts: Our car insurance plans allow different types of discounts on the premium. Their premiums are also determined by the IRDAI and such premiums are uniform.Ĩ. Type of policy: Third-party car insurance plans have lower premiums compared to comprehensive policies. Add-ons selected: If you choose to add add-ons to your comprehensive car insurance policy, the premiums would increase because you would have to pay an additional premium for such additional coverage features.ħ. This bonus is allowed if you have not made any claims in the previous years.Ħ. No claim bonus: If you are renewing an existing car insurance policy, you can use the no claim bonus to claim a discount on the premium. Similarly, if electric cars are more expensive than fuel cars, their premiums would also be higher.ĥ.

Fuel type: Petrol cars are cheaper than diesel ones. The reason is that metros have a higher probability of claim and the repair costs are also higher.Ĥ.

CAR INSURANCE QUICK QUOTES ONLINE REGISTRATION

Registration location: Cars registered in metro cities attract a higher premium than non-metro cities.

Newer the car, the higher the premium and vice-versa.ģ. Year of registration: The year of registration determines the age of the car. For instance, luxury cars that are expensive have higher premiums than normalĢ. Depending on this value, the premium is calculated. Make, model and variant of the car: The make, model and variant determine the car’s value.

Car insurance quick quotes online