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# Best Car Insurance Companies in India

Oct 26, 2021

 

Picking a car insurance policy solely based on the lowest premium is not a good idea. The Lowest premium policy may not adequately cover some essential add-ons like personal accident cover for co-passengers. The best car insurance policy is the one that offers the maximal cover for an affordable premium.


We have listed here the best car insurance companies and policies for you.

  1. Royal Sundaram General Insurance

Royal Sundaram is the sole insurance company that provides free flat tire, emergency fuel delivery, and roadside assistance services. It has a network for 3300+ garage in India. The sustained claim ratio is healthy at 84.99%.

  1. Tata AIG Insurance

Tata AIG has tie-ups with a 3000+ workshops network in India. The insurance company covers accidental damage or loss of the insured car. The sustained claim ratio is at 79.31%.

  1. HDFC Ergo

HDFC Ergo has tie-ups with 6800+ cashless garage network in all over India. The insurance company provides overnight car repair services in case of minor accidental damages. The collected claim ratio is healthy at 84.37% and has an online claim initiation facility via QR Code.

  1. Bharti AXA

Bharti AXA has a network of 2500+ garages for aid and a free policy remainder facility. Bharti AXA gives additional add-on for ambulance charges, medical expenses of Rs. 10,000 and hospital cash. The incurred claim ratio is 81.47%.

  1. The New India Assurance

The New India Assurance Company is one of the oldest government insurance companies with widespread reach. The incurred claim ratio is 79.68%.

We will also look for a few best car insurance policies in India

  1. Tata AIG Car Insurance

It offers flexibility to customize the car insurance policy as per the requirements. The best part is that Tata AIG even lets you possess a nonclaim bonus even after selling the car.

  1. Royal Sundaram Car Insurance

The insurer in this policy provides various discounts like:

Car insurance policy coverage includes:

They also provide additional Add-on covers such as:

  1. HDFC ERGO car insurance

The best car insurance plans in HDFC Ergo are as follows:

They also provide additional Add-on covers such as:

  1. Bharti AXA car insurance

You can buy and renew Bharti AXA insurance hassle-free online. They provide Third party car insurance policy and comprehensive car insurance policy.

They also provide additional Add-on covers such as:

  1. The New India Assurance Co. Ltd. Car Insurance

The best car insurance plans of New India Assurance Co. Ltd are:

They also provide optional additional Add-on covers such as: