Types of Car Insurance Plans Offered by HDFC Ergo

• Comprehensive Car Insurance

  This type of insurance covers almost everything. It protects your car from damage to your own vehicle and to other people’s property, including injuries or deaths caused by accidents. Comprehensive insurance also covers losses from theft, vandalism, and natural disasters like floods and earthquakes. You can get this insurance for one year or three years.

• Third-Party Car Insurance

  This insurance covers the damage your car might cause to other people or their property. For instance, if you hit someone accidentally or damage another car, this insurance will take care of it. It also covers legal issues if someone gets hurt badly or dies because of the accident. The law requires all car owners to have this insurance, and not having it can lead to heavy fines.

• Standalone Own Damage Car Insurance

  The coverage is optional for damages to your car due to accidents or natural disasters, fire, and theft. This is not like third-party insurance, which covers a car by law. If you already have third-party insurance, adding this will give your car complete protection.