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HDFC Ergo Car Insurance
HDFC Ergo Car Insurance

Magma HDI Car Insurance
Magma HDI Car Insurance



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HDFC Ergo Car Insurance
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Magma HDI Car Insurance

HDFC Ergo Car Insurance vs Magma HDI Car Insurance

1 Information
1.1 Policy Name
HDFC Ergo Private Car Comprehensive Policy
Magma-HDI private car insurance package
1.2 Policy Status
In Force
In Force
1.3 Customer Care Number
18002700700
180030023202
1.4 24x7 Customer Support
91% Package Policy Car Insurance Plans have it !
91% Package Policy Car Insurance Plans have it !
1.5 Buy Online
All Package Policy Car Insurance Plans have it !
All Package Policy Car Insurance Plans have it !
1.6 Premium Payment in Installments
9% Package Policy Car Insurance Plans have it !
9% Package Policy Car Insurance Plans have it !
1.7 Other Plans
1.8 Depreciation Slabs for Adjusting IDV
1.8.1 Age Not Exceeding 6 Months
Royal Sundaram ..
5 %
Rank: 1 (Overall)
5 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.2 Age Not Exceeding 1 Year
Royal Sundaram ..
15 %
Rank: 1 (Overall)
15 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.3 Age Not Exceeding 2 Years
Royal Sundaram ..
20 %
Rank: 1 (Overall)
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.4 Age Not Exceeding 3 Years
Royal Sundaram ..
30 %
Rank: 1 (Overall)
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.5 Age Not Exceeding 4 Years
Royal Sundaram ..
40 %
Rank: 1 (Overall)
40 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.6 Age Not Exceeding 5 Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
2 What is Covered
2.1 Third Party Cover
All Package Policy Car Insurance Plans have it !
All Package Policy Car Insurance Plans have it !
2.2 Cover for Passengers
2.2.1 PA Cover for Owner Driver
Covered
Optional
2.2.2 Max PA Cover for Owner Driver
Royal Sundaram ..
₹ 200000
Rank: 1 (Overall)
₹ 200000
Rank: 1 (Overall)
Future Generali Car Insurance
2.2.3 PA Cover for Co Passengers
Covered
Optional
2.2.4 Medical Cover
Not Covered
Not Covered
2.3 Cover for Accessories
2.3.1 Electrical
Optional
Optional
2.3.2 Nonelectrical
Optional
Not Covered
2.3.3 CNG Kit
Not Covered
Optional
2.3.4 Bi Fuel System
Covered
Optional
2.4 Engine Protection Cover
Optional
Optional
2.5 Geographical Area Extension
Optional
Optional
2.6 Loss of Personal Belongings
2.6.1 Property
Not Covered
Optional
2.6.2 Licence
Not Covered
Not Covered
2.7 Accidental Repairs Warranty
Not Covered
Not Covered
2.8 Other Covers
2.8.1 Consumables Cover
Not Covered
Not Covered
2.8.2 Invoice Price Cover
Covered
Optional
2.8.3 Zero Depreciation Cover
Optional
Optional
2.9 Optional Add On Covers
Consumables cover, Daily allowance, Emergency Assistance, Engine protector, Return To Invoice, Zero Depreciation Cover
Depreciation cover, Engine protector, Key replacement cover, Loss of personal belongings, NCB protector, Return To Invoice, Roadside assistance
3 Roadside Assistance
3.1 Roadside Assistance Cover
Optional
Optional
3.1.1 24x7 Roadside Assistance
Not Covered
Not Covered
3.1.2 On Site Minor Repairs
Covered
Covered
3.1.3 Medical Coordination
Not Covered
Not Covered
3.1.4 Alternate Transport Assistance
Covered
Optional
3.1.5 Car Towing
Covered
Covered
3.1.6 Battery Jump Start
Covered
Covered
3.1.7 Tyre Related Assistance
Covered
Covered
3.2 Keys
3.2.1 Arrangement of Duplicate Keys
Covered
Not Covered
3.2.2 Lock Out or Lost Keys
Covered
Covered
3.2.3 Key Replacement
Not Covered
Optional
3.3 Fuel
3.3.1 Fuel Delivery
Covered
Covered
3.3.2 Emptying of Fuel Tank
Covered
Covered
3.4 Other Benefits
3.4.1 Urgent Message Relays
Not Covered
Not Covered
3.4.2 Accomodation Benefits
Not Covered
Optional
3.4.3 Legal Advice
Not Covered
Not Covered
3.4.4 Daily Inconvenience Allowance
Not Covered
Optional
3.5 Max Times It Can be Availed
NA
NA
4 Claims
4.1 Cashless Garages
All Package Policy Car Insurance Plans have it !
All Package Policy Car Insurance Plans have it !
4.1.1 Cashless Garage Network
Bajaj Allianz C..
3000 +
Rank: 4 (Overall)
1300 +
Rank: 9 (Overall)
United India Car Insurance
ADD ⊕
4.2 Lodging Claims From Anywhere 24x7
78% Package Policy Car Insurance Plans have it !
78% Package Policy Car Insurance Plans have it !
4.3 Quick Online Approval
13% Package Policy Car Insurance Plans have it !
13% Package Policy Car Insurance Plans have it !
4.4 Appointment of Surveyor
No Package Policy Car Insurance Plans has it !
No Package Policy Car Insurance Plans has it !
4.5 Claim Settlement Duration
HDFC Ergo Car I..
30 days
Rank: 2 (Overall)
30 days
Rank: 2 (Overall)
Bharti AXA Car Insurance
ADD ⊕
4.6 Required Documents
4.6.1 For Accidental Claims
A copy of police FIR/ Panchnama, AML documents for amount more than 1 lakhs, Driving licence, Duly filled and signed claim form, Form 35, Original repair estimate, Original repair invoice for cashless claims, Payment receipt for non-cashless claims, Policy copy, Registration certificate, Repair invoice
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, Fire brigade report, Original repair estimate, Payment receipt for non-cashless claims, Policy copy, Tax token
4.6.2 For Theft Claims
A copy of police FIR/ Panchnama, AML documents for amount more than 1 lakhs, Deed of subrogation cum indemnity on judicial paper, Discharge voucher, Duly filled and signed claim form, Form 26, Form 28, Form 29, Form 30, Form 35, No trace report, Policy copy, Registration certificate, RTO transfer papers
Unknown
4.6.3 For Third Party Claims
Not Available
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, Form 28, Form 29, Form 30, Form 35, Police final report, Policy copy, Tax token
5 Discounts
5.1 No Claim Bonus
All Package Policy Car Insurance Plans have it !
All Package Policy Car Insurance Plans have it !
5.1.1 NCB After One Claim Free Year
Royal Sundaram ..
20 %
Rank: 1 (Overall)
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.2 NCB After Two Claim Free Years
Royal Sundaram ..
25 %
Rank: 1 (Overall)
25 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.3 NCB After Three Claim Free Years
Royal Sundaram ..
35 %
Rank: 1 (Overall)
35 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.4 NCB After Four Claim Free Years
Royal Sundaram ..
45 %
Rank: 1 (Overall)
45 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.5 NCB After Five Claim Free Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.2 Voluntary Discount Option
96% Package Policy Car Insurance Plans have it !
96% Package Policy Car Insurance Plans have it !
5.3 Age Discount
9% Package Policy Car Insurance Plans have it !
9% Package Policy Car Insurance Plans have it !
5.4 Profession Discount
4% Package Policy Car Insurance Plans have it !
4% Package Policy Car Insurance Plans have it !
5.5 ARAI Approved Anti Theft Device
87% Package Policy Car Insurance Plans have it !
87% Package Policy Car Insurance Plans have it !
5.6 Membership Discounts
5.6.1 AAI Membership
78% Package Policy Car Insurance Plans have it !
78% Package Policy Car Insurance Plans have it !
5.6.2 Recognised Motor Association
57% Package Policy Car Insurance Plans have it !
57% Package Policy Car Insurance Plans have it !
5.7 Handicap Discount
43% Package Policy Car Insurance Plans have it !
43% Package Policy Car Insurance Plans have it !
6 Terms and Conditions
6.1 Inclusions
6.1.1 Natural Calamities
Earthquake, Explosion, Fire, Flood, Landslide, Lightning, Rockslide, Self-ignition, Storm
Cyclone, Earthquake, Explosion, Fire, Flood, Frost, Hailstorm, Hurricane, Inundation, Landslide, Lightning, Rockslide, Self-ignition, Storm, Tempest, Typhoon
6.1.2 Manmade Calamities
Accident by external means, Burglary, Malicious acts, Riots, strikes, Terrorism, Theft, Transit by road, rail, inland waterways, air or lift
Accident by external means, Burglary, Malicious acts, Riots, strikes, Terrorism, Transit by road, rail, inland waterways, air or lift
6.2 Depreciations
6.2.1 Rubber, Nylon, Plastic Parts etc.
Royal Sundaram ..
50 %
Rank: 1 (Overall)
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.2 Fibre Glass
Royal Sundaram ..
30 %
Rank: 1 (Overall)
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.3 Parts Made of Glass
Royal Sundaram ..
0 %
Rank: N/A (Overall)
0 %
Rank: N/A (Overall)
Royal Sundaram Car Insurance
6.3 Other Terms and Conditions
6.3.1 Deduction for the Salvage Amount
22% Package Policy Car Insurance Plans have it !
22% Package Policy Car Insurance Plans have it !
6.3.2 Cost of Surveyor Inspection
4% Package Policy Car Insurance Plans have it !
4% Package Policy Car Insurance Plans have it !

Basic Information About HDFC Ergo Car Insurance vs Magma HDI Car Insurance

Basic information about HDFC Ergo Car Insurance vs Magma HDI Car Insurance includes Policy name, customer care number, policy status and online buying option. While comparing these two plans, we need to consider several specifications. In All about HDFC Ergo Car Insurance and Magma HDI Car Insurance, you can compare all the specifications of these two policies. HDFC Ergo Car Insurance is a Package Policy+ and Magma HDI Car Insurance is a Package Policy.The first policy is In Force. You can buy it.The second policy is In Force. You can buy it.

Customer Care Numbers of the two car insurance companies are-

  • HDFC Ergo Car Insurance- 18002700700
  • Magma HDI Car Insurance- 180030023202

The former car insurance policy can be bought online.The later car insurance policy can be bought online.

HDFC Ergo Car Insurance Covers vs Magma HDI Car Insurance Covers

HDFC Ergo Car Insurance covers vs Magma HDI Car Insurance covers, is one of the most important part of comparison between the two policies. A car insurance plan has various covers included in its basic policy and may have a few other optional add-on covers. Terms and Conditions of HDFC Ergo Car Insurance and Magma HDI Car Insurance provide information about the situations under which all the covers are active. Third Party Liability insurance is covered in both the car insurance policies. HDFC Ergo Car Insurance provides the personal accident cover for the owner/ driver. In the first plan, the maximum limit of personal accident cover for owner/ driver is ₹ 200000. Magma HDI Car Insurance provides optional personal accident cover for the owner/ driver. In the second plan, the maximum limit of personal accident cover for owner/ driver is ₹ 200000.Personal accident cover for co-passengers is provided under the former plan. Personal accident cover for co-passengers is available under the later plan, as an optional cover. Some car insurance policies also provide warranty on parts of the car, repaired/ replaced during the accidental repairs. This is known as Accidental repairs warranty.The first policy provides accidental repairs warranty.The second policy provides accidental repairs warranty.

Roadside assistance cover in the two plans

Roadside assistance is one of the most important covers in a car insurance policy. On-site assistance, keys assistance and fuel assistance are the important features of roadside assistance cover in the two plans. roadside assistance is available as an optional add-on cover in HDFC Ergo Car Insurance. roadside assistance is available as an optional add-on cover in Magma HDI Car Insurance.

HDFC Ergo Car Insurance vs Magma HDI Car Insurance Discounts

Check out HDFC Ergo Car Insurance vs Magma HDI Car Insurance discounts, to know which of the two plans will have lesser premium. Discounts on HDFC Ergo Car Insurance vs Magma HDI Car Insurance may include No claim bonus, Voluntary discount option and ARAI approved anti-theft device discount. No claim bonus is available in the former plan.No claim bonus is available in the later plan.Voluntary discount option is available for the first plan.Voluntary discount option is available for the second plan.There is no discount in HDFC Ergo Car Insurance for fitting an ARAI approved anti-theft device.You can get a discount in the premium of Magma HDI Car Insurance, if you have fitted an ARAI approved anti-theft device in your car.

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