Secure Your Car with premium Insurance plan from HDFC ERGO

Almost everyone today who owns a car treasures it like nothing else. Owing to rise in popularity of these four-wheeled marvels along with the variety in which these can be bought, it’s a quite common view to see the roads full of these no matter where you go. If you too own a car, besides it being a medium of luxury to you, it becomes your responsibility to safeguard it against all possible kinds of damages that it may incur due to some or the other reason, whether off or on the road.

Easy motor car insurance claim process

At the same time, you just cannot buy an insurance plan from any company that first crosses paths with you. You need to carry out proper execution plan wherein you get to compare a handful of such plans before determining the best one for you. Because insurance is a must-have today, most of which is meant to keep you secured at all times, you cannot shy away from such a responsibility too. One of the first things that you must check for is the motor car insurance claim process, and if that is going to go easy on you or not when you fall in need to avail it.

HDFC ERGO has always been known to be one of the most user-friendly companies, and gives you the benefit of fast motor car insurance claim process, through which you can obtain your claim within a matter of days, if not earlier. It requires least documentation with impressive premium value, thereby taking your experience of dealing with the firm only higher. Besides, you can also add riders with your existing policy, to add on additional conditions in your insurance policy, which also make you feel much more secured.

With comprehensive cover over your vehicle that can be obtained in more than 1,600 authorized networks, HDFC ERGO is already regarded among the fastest companies to execute motor car insurance claim among all private insurance players. Its dedicated staff and its loyal customer support services ensure that you find the entire procedure of claim settlement like a cakewalk for you. Its plethora of other features like post accident insurance, discount based upon age and profession, etc. establish this renowned firms as one of the best in its domain throughout India.

HDFC ERGO Policy can also be bought online with ease as per your convenience. For more details, you can visit https://www.hdfcergo.com/motor-insurance/private-car-insurance.html

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5 Easy Ways To Save On Your Car Insurance Policy

When it comes to insuring your much-loved vehicle, many of you might not bother about the expense that it asks for. You simply pay too much when you can save a huge chunk of money every year. There are many general insurance companies in India that can help you save big on your policy. HDFC ERGO being one such company highlights some good ways to save on your car insurance policy.

1. 
   Understand the car safety and insurance features: Owning a car with a number of safety features like anti-lock brakes, airbags, engine cut off system and many more, will automatically qualify you for discount on your car policy. Vehicles having a multitude of safety equipment are less likely to get into accidents and are neither stolen with ease, thus ensuring a peaceable time for your insurer.

2. Set higher deductible: Deductible is the amount you need to pay out of your pocket in case of any damage to your car before your insurer pays for its claim. The higher deductibles you set for your car policy, the lower premiums you'll have to pay. But make sure to decide on the deductibles keeping in mind your financial status.

3. Take a defensive driving course: Many insurance companies offer good discounts for drivers who have completed the safe driving course from a reputed institution. These courses form up a true testimony of the fact that you are trained and adept with the driving skills and are less likely to get into some accident. Typically a teenager or a newbie is advised to do this course to get good discounts on the car insurance policy.

4. Construct a garage: Instead of parking your car on the roadside or perhaps outside your home in an open space, having a garage to park your vehicle will get you more discount on your policy. This is because the car parked on the roadside or in an open area is more likely to get damaged, stolen or towed away thus forcing the insurer to pay the claim for it.

5. Compare auto insurance quotes online: While purchasing the car insurance policy, be sure to compare several car insurance quotes online to pick the one that suits your need and budget. Avoid adding extra coverage to your policy as it would increase your premium. Always pay only for the coverage that you really require.

 

Click here for full view:

https://infograph.venngage.com/p/41676/tips-for-making-car-insurance-claim

https://infograph.venngage.com/p/41676/tips-for-making-car-insurance-claim

So if you wish to enhance your existing car insurance policy or want to get a better policy that is comparably cheap and offers good coverage too, you can visit https://www.hdfcergo.com/. Here you can find a comprehensive range of policies and can even compare quotes online with mere a few simple clicks.

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Car Insurance Policy - All You Need to Know About It

It is not cheap to run a car. The taxes, fuel, maintenance, and even the car insurance, each add-up to form a greater expenditure every month. Despite car insurance premiums starting to fall, car insurance premiums still take a bigger bite on your monthly income, especially when you own more than one vehicle. It is therefore important to understand all about the car insurance industry as well as different policies on offer to make sure that you buy the right policy for your car which offers good coverage at the best price.

Firstly, driving a car without a proper insurance cover is itself against the law. In order to restrict more uninsured vehicles on the road, the government has imposed a rule that makes it necessary to insure your car unless it is listed out from the road by the statuary off road notice (SORN). Anyone who does not abide by this law has to pay the penalty, and also there are chances that the car will be seized by the legal authority.

Secondly, insurance is all about covering you from unexpected risks. So the riskier you are, the more expensive your cover would be. Therefore, before you buy a car insurance policy, always look at a number of factors like age, sex, gender, occupation, etc. All this can increase/decrease your premiums. According to the latest stats, age is the major factor that can increase your premiums. If you are of older age and drive less, your premiums will be less but if you are young and frequent driver, you'll have to pay more premiums reason being the older people are less likely to get into accidents than younger motorist. Men are also considered to be a more risky kind than females which is why women's car insurance is typically cheaper than that for male drivers.

Car insurance policy is typically of three types:

1. The third party car insurance
2. Third party fire and theft car insurance
3. Comprehensive car insurance

The third party car insurance is the basic policy that requires minimal legal obligations. It basically covers for any damage incurred by the third party, their vehicle or their property when you are at fault. The third party fire and theft car insurance on the other hand covers you in case your car is stolen or damaged by fire. Then there is a comprehensive car policy that covers all of the above, plus you and your car from any accidental injury or damage, even when it is your fault.

Many motorists choose to buy comprehensive car insurance because the extra-cover gives them additional peace. But if your car is old and not worth that much, third party cover is an absolute option for you. However for younger drivers, the third party insurance is appropriate and can save them considerable money as well.

Before you purchase a policy, it's good to obtain the insurance quotes online to find out the one policy that offers maximum coverage at best prices. When comparing the car insurance quotes online, you must consider for what all things you are being covered for and also look at the overall price of the premiums as many insurers offer different coverage in their standard car insurance policies.

There may be chances that one insurer includes valet service in their standard car insurance policy while other may not. Other common excursions include car service, legal outgoes and dislocation cover. You'll be able to buy these as an add-on in your policy. But be careful while choosing the add-on because it can frequently increase your premium and you'll have to pay for something that you don’t require at all.

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