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Hdfc Ergo Car Insurance Premium Calculator
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  • Plan starting @ ₹ 2094#

  • 99% Claim settlement ratio

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      HDFC Ergo Car Insurance Premium Calculator

      By using an HDFC Ergo car insurance premium calculator, a policyholder gets to know the estimated premium of their car insurance policy before making the final purchase. This online tool can calculate the estimated premium by considering your car’s make, model, variant, etc.

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      Benefits of HDFC Ergo Car Insurance Premium Calculator

      Using an HDFC Ergo car insurance premium calculator before purchasing a motor insurance plan can be beneficial in the following ways:

      • Customised Premium: With an HDFC car insurance premium calculator, you can quickly get a car insurance premium per your vehicle’s make, model, RTO, variant, etc. This calculator considers all your car details and calculates a customised premium based on those details.
      • Online Comparison: Online comparison of car insurance also becomes easy when you use a car insurance premium calculator. By comparing plans using this calculator, you can choose the plan that best suits your needs.
      • Calculates Right IDV: Selecting IDV can sometimes be confusing, especially when you are new to the motor insurance world. However, by using an HDFC car insurance premium calculator, you can also get an IDV value that you can choose based on your car’s details.
      • Ease of Use: Why complicate your purchase process with frequent offline calls and visits when you can easily do it in the comforts of your home? An HDFC Ergo car insurance premium calculator can help you calculate premium and easily buy a plan with just a few clicks on your mobile or laptop.

      How to Use HDFC Ergo Car Insurance Premium Calculator?

      Using an HDFC Ergo car insurance premium calculator is a very simple process. Follow the steps mentioned below to use the calculator:

      • Visit the HDFC Ergo car insurance premium calculator on
      • Select the make, model, and variant of your four-wheeler
      • Select the vehicle’s registration year and RTO, along with previous claim details
      • Now press the “Calculate” button
      • The premium calculator will now show the estimated car insurance premium along with the Insured Declared Value of your car.

      How to Reduce HDFC Ergo Car Insurance Premium?

      Here are some tips to follow to reduce your HDFC Ergo car insurance premium for your motor vehicle:

      • Install Security Device: Installing security devices such as anti-theft devices in your vehicle can help you reduce your premium. Every car installed with an ARAI-approved anti-theft device can provide up to a 2.5% discount on the policy premium.
      • NCB Reward: No Claim Bonus or NCB reward is a discount for not raising a claim during a policy year. If you do not raise a claim in a policy tenure, you can use this reward to receive a discount on the car insurance renewal premium.
      • Avoid Unnecessary Modifications: Any modification you make to your car contributes to increasing motor insurance premiums. Thus, to reduce your insurance premium, make sure to avoid any unnecessary modification to your four-wheeler.
      • Renew Car Insurance on Time: Renewing car insurance before the policy expires can save you from paying a higher premium. If your policy is not renewed within the expiry date, it lapses. In such cases, you may have to purchase a new car insurance policy which may cost you higher.
      • Automobile Association Membership: Becoming a member of the Automobile Association of India can also get you a 5% discount on OD car insurance premium.


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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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