I have been using HDFC ERGO from last five years. I am having car i20 whose windshield got cracked in an accident then I asked HDFC Ergo for insurance within just 2 days they gave me money in my bank account their service is really very fast. You can be dependable on them. Even the guy who came to click pictures was kind hearted and talked to me in a very polite manner also told me all the procedures and other things in a good manner.
Their service is really good.
I recommend to choose this policy by closing your eyes.
I have a blind faith on HDFC Ergo.