suggest - car insurance doubt on iffcoTokio vs hdfcErgo

iffco tokio vs hdfc ergo
for car insurance, which is better ?
1. Hdfc Ergo : IDV 3 lks, Premium Rs.13000, with Zero depreciation. (in hdfc erog website, only paytm wallet gateway beneficial) (in policy bazaar showing lesser IDV, so not able to use amazonpay. Also i think no offers on using hdfc cards on hdfc ergo payment page)
Also it has garage in my nearby good town.
2. IFFCO Tokio : IDV 3.2 lks, Premimum Rs. 12,000 with Zero Depreciation. (in iffco-tokio website. if in policybazar premimum is 13.4k and amazon pay option is there but not beneficial) – is this good brand ?
Also it has no garage in my nearby good town, but in another nearby town.

- Do i need to choose iffco as it has extra 20,000 amoount covered even though strange company to most, (or) choose hdfc as it is still descent amount of coverage and good company. ?

Other insurance companies doesn’t show up for my car in policybazaar and coverfox.
Renualt Kwid 2017 model.
previously policy expired more than a year ago.
Dont want acko, as it didn’t give Zero depreciation for me car.