HDFC ERGO and TATA AIG are two of the most popular car insurance companies in India. The article highlights the key differences between these two companies, features, their pricing structure, service levels, and more importantly their target customers to help you choose which one is better for you.
HDFC ERGO Car Insurance is a leading car insurance company that offers a wide range of insurance plans. It also provides an innovative approach to selling policies to customers, with the help of technology. Tata AIG Car Insurance is an Indian insurance company that offers affordable car insurance policies for its customers. It also provides some unique features which make it stand out from other companies in the market.
However, some key differences make them stand out from each other. This article will help you decide which insurance company to go with, explains the pros and cons of both policies, and how they compare with each other.
How to choose the Best Car Insurance Company?
HDFC ERGO vs TATA AIG car insurance: HDFC ERGO has been around for a long time and is considered one of the best car insurance companies in the country. On the other hand, TATA AIG is an insurance company that works with multiple brands. They are considered one of the most reliable insurers in the country. Whether it is HDFC ERGO or TATA AIG car insurance the best car insurance company always provides:-
- Better price
- Good coverage offered
- Customization of add-ons
- Best customer services
- Claim settlement ratio
- No. of cashless garages
- Analyzing car insurance needs
- Financial ability of the company
- Third party liability coverage
- Personal accident cover.
For some individuals, a car insurance company that has the highest claim settlement ratio is the best, while for others the insurance company which has a wide network of cashless garages is the best. Thus, several parameters make an insurance company the best for an individual. One should consider the following factors while choosing a car insurance company.
| Key Points |
HDFC ERGO Car Insurance |
TATA AIG Car Insurance |
| Claim Settlement Ratio |
70.02% |
75.41% |
| Cashless Garages |
6800+ |
5400+ |
| Solvency Ratio |
1.90 |
2.22 |
| Branches |
200+ |
200+ |
| Claims Settled |
1 Crore |
1.20 lakh |
Check Premium
Comparison of HDFC ERGO Car Insurance vs TATA AIG Car Insurance:
Compare car insurance quotes and choose the best car insurance company in India. Choose the best car insurance company to secure from any mishap/theft, losses or damages, natural disasters, manmade calamities, and personal accident cover. Get your car insurance policy online for easy claim settlement and policy renewal.
PolicyBachat caters you to the best car insurance companies in India for hassle-free claim settlement, easy comparisons, and a lot more. Compare HDFC ERGO vs TATA AIG Car Insurance Company which has a reliable claim settlement ratio in less period.
| Parameters |
HDFC ERGO Car Insurance |
TATA AIG Car Insurance |
| Types of Policies |
- Comprehensive Car Insurance
- Third Party Car Insurance
- Standalone Own Damage Cover
- Private Car Bundle Policy.
|
- Comprehensive Car Insurance
- Standalone Own Damage Car Insurance
- Standalone Third Party Car Insurance.
|
| Add-ons/Riders |
- Zero Depreciation cover
- No Claim Bonus Protection
- Emergency Assistance Cover
- Downtime protection
- Engine and gearbox protection
- Return to Invoice.
|
- Depreciation reimbursement
- Courtesy/hire car
- Daily Allowance
- Return to invoice
- Repair of glass, plastic, fiber, and rubber parts
- NCB Protection cover
- Loss of personal belongings
- Key replacement
- Emergency transport and hotel expenses
- Engine secure
- Consumables expenses
- Tyre secure
- Roadside assistance.
|
| Benefits |
- Third Party Damages: It covers personal accidents, third party injuries, and property damages
- Own Damage Covers: It Covers accidents, fire & explosion, theft, and calamities
- No Claim Bonus: The No Claim Bonus (NCB) covers up to 50%.
- Personal Accident Cover: It covers you up to Rs. 15 lakhs.
- Comprehensive Car Insurance: It covers you against accidents, natural/manmade disasters, In-transit damages, fire and explosion, theft, and personal accidents cover.
|
- Easy Claim Process
- Pick-up of the car is available free of cost
- Warranty for accident repair is available for up to 6 months
- The claim is settled within 7 days
- No Claim Bonus Protection up to 50%
- Availability 12 unique add on covers to provide improved protection.
|
| Features |
- Quick policy purchase online
- 24x7 claim assistance
- Cashless claim settlement at network garages
- Touchless policy issuance
- No break-in coverage
- Get Instant Quotes
- Payment reminders
- Instant Coverage
- Quick issuance with minimal paperwork
- Seamlessness and transparency
- Prompt customer service
- Control over coverage.
|
- Emergency roadside assistance
- Recognized Automobile association
- Anti-theft device installation
- Modified/specially designed vehicle discount.
- Save up to 75% on car insurance premiums by buying your policy online
- 650 claim experts across India ensure an easy and quick claim process
- Quick renewal of your car insurance with an easy 3-step process with Tata AIG.
|
| Highlights |
- Quick policy purchase online
- 24x7 claim assistance
- Cashless claim settlement at network garages
- Touchless policy issuance
- No break in coverage
|
- Self-service option for a service request, documents, and claims
- High Claim Settlement Ratio
- Customer-centric Performance-driven.
- Saving and Affordable Premiums
- The easy quick and hassle-free claim process
- Easy Policy Issuance in 3 easy steps.
|
*The premiums are displayed according to your details, compare the quotes and buy the policy according to your needs and budget.*
More Coverages Comparison of HDFC ERGO Vs TATA AIG Car Insurance:
| Specifications |
HDFC ERGO |
TATA AIG |
| 24*7 Road Side Assistance |
Covered |
Not covered |
| Engine Protection cover |
Covered |
Covered |
| Key Replacement |
Not Covered |
Covered |
| Max Personal Accident cover |
Rs. 15 lakhs |
Rs. 15 lakhs |
| ARAI Approved Anti-Theft Device |
Covered |
Covered |
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 TATA AIG before concluding the right insurance policy. Configure the premium with the benefits availed on HDFC ERGO Vs TATA AIG, and compare car insurance quotes from top insurers online on PolicyBachat.
HDFC ERGO Car Insurance:
HDFC ERGO Car Insurance is a leading insurance company in India. It provides the best car insurance for its customers with innovative features and offers a wide range of policies for different types of vehicles. HDFC ERGO offers third-party damage cover, personal liability cover, and accidental coverage to ensure all-around protection.
Also with customer-centric solutions, HDFC ERGO Car Insurance helps you get the best out of your driving experience. The company has an extensive network across the country, which makes it easy to compare rates and choose the best policy that suits you.
| Key Features |
HDFC ERGO Car Insurance |
| Premium |
Starts at Rs.2094 |
| No Claim Bonus (NCB) |
Up to 50% discount |
| Claim Assistance |
24x7 Emergency and Roadside Assistance |
| Easy Claims |
80% of claims are settled on the same day |
| Accessibility |
Online through
PolicyBachat & TATA AIG Website. |
*Know about HDFC ERGO Car Insurance benefits and coverages in this Article*
Know More
TATA AIG Car Insurance:
Tata AIG Car Insurance is a leading provider of motor insurance in India. The company offers an extensive range of products and services to meet the needs of both private and commercial customers. Tata AIG Car Insurance has a team of over 1,000 employees across all states in India and more than 1,000 agents across the country.
Tata AIG provides its customers with a wide range of insurance solutions including personal accident cover, car theft cover, breakdown cover as well as third party liability cover.
Tata AIG General Insurance Company Limited is a joint venture between the Tata Group and the American International Group (AIG). Tata AIG General Insurance Company Limited celebrated 21 years of service in 2021 since it commenced operations on January 22, 2001. The company has made a mark in the industry by launching several innovative products and services over the years.
| Key Features |
TATA AIG Car Insurance |
| Premium |
Save up to 75% |
| No Claim Bonus (NCB) |
Up to 50% discount |
| Claim Assistance |
650 claim experts for an easy and quick claim process |
| Easy Claims |
Get Policy claims in 3 easy steps |
| Accessibility |
Online through
PolicyBachat & TATA AIG Website. |
*Know about TATA AIG Car Insurance benefits and coverages in this Article*
Know More
Where to Compare and Buy your Car Insurance Policy Checkout Here:
Compare car insurance policy rates online in India with PolicyBachat and select the one that meets most of your financial expectations. You can easily get multiple car insurance quotes online from the best car insurance companies in India.
- Fill required details at the top of this page, and select your car model, RTO Location, registration date, and email address.
- Click on the START SAVING MONEY
- Premiums with different insurance companies are displayed with low premiums
- Select required add-ons/riders and discounts, or
- Even you can edit policy details
- After that fill in the vehicle owner details and owner details
- Purchase the best car insurance policy using online payment
- If any queries are raised call: 1800-123-4003.
Conclusion:
Both HDFC ERGO vs TATA AIG Car Insurance Companies offer a wide range of cover options with a low premium, has a dedicated customer service team that helps customers get the best deal possible, and offer an easy claim process. They both provide affordable insurance plans to their customers.
HDFC ERGO and TATA AIG are two of the most popular car insurance companies. They were in the industry for over a decade and offer multiple products. Their services have been compared because they provide similar offers in terms of cost, coverage, etc.
However, buying car insurance is easy to know by reading the article. Still, you are in a dilemma about which car insurance company to go to. This decision has become much easier with the help of PolicyBachat. To buy the best car insurance policy between HDFC ERGO vs TATA AIG Car Insurance, Compare car insurance quotes to both the companies and check out the premiums with coverages.
Select the car insurance company which has all the features and benefits that you are looking for. To make a better decision, you should make sure to know all the required information above and go for the one which gives the best coverages at good prices.