Car Insurance Online



  CAR INSURANCE ONLINE

 

  Car insurance is one of the type of insurance policy which protects you from the huge losses due to accidents,car insurance is the best and smartest way to secure you and your car online
  and it is even mandatory as per the motor vehicle act. Now in the era of internet you don't have to worry about standing in long queue inside the insurance company offices, yes you heard it right you can even purchase car insurance online even in cheap prices. There are many known companies in the market infact every insurance company which provides you the facility of purchasing online car insurance



                                                                                                                                                                 

Public policies in India


Auto insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.

Auto insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the auto insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming auto insurance in India, like duly signed claim form, RC copy of the vehicle, driving license copy, FIR copy, original estimate and policy copy.

There are different types of auto insurance in India:


Private Car Insurance – Private Car Insurance is the fastest growing sector in India as it is compulsory for all the new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture. This amount can be reduced by asking the insurer for No Claim Bonus (NCB) if no claim is made for insurance in previous year.

Commercial Vehicle Insurance – Commercial Vehicle Insurance in India provides cover for all the vehicles which are not used for personal purposes like trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle. The auto insurance generally includes:

Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act
Liability for third party injury/death, third party property and liability to paid driver
On payment of appropriate additional premium, loss/damage to electrical/electronic accessories

The auto insurance does not include:

 

Consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage
When vehicle is used outside the geographical area
War or nuclear perils and drunken driving

 

Third-party insurance


This cover is mandatory in India under the Motor Vehicles Act, 1988. This cover cannot be used for personal damages. This is offered at low premiums and allows for third party claims under “no fault liability. The premium is calculated through the rates provided by the Tariff Advisory Committee. This is branch of the IRDA (Insurance Regulatory and Development Authority of India). It covers bodily injury/accidental death and property damage


Things you should know before buying car insurance

Below are the five things which you should keep in mind when buying a car insurance.

1.    Every car insurance company charge differently for the same amount of coverage, as they use a diverse set of criteria for underwriting. So, it's always better to compare different policies and choose the one which best suits your pocket as well as your needs

2.    Mode of premium payment also makes a difference. Some companies offer discounts when paying with a credit card. Choosing the correct option can save you a lot of money

3.    Never ever think of letting your policy lapse, as in certain situations you will end up paying more when you renew the car insurance. This is because many insurance companies think that drivers who do not have taken any insurance are irresponsible, even though have driving licence

4.    It is very important to know what exactly your standard insurance policy covers, because it may sometimes happen that the policy is covering theft and accidental damages, but not all parts of the vehicle

5.    These days people are fond of customising their cars. Whenever going for customisation, make sure the changes don't annul the insurance. Many companies do not include engine or mechanical changes to standard cover, and moreover, there is always a limit to the value of customisation that can be insured under any policy. Same goes for whether the vehicle has CNG kit or not.

Discounts


A range of discounts is available on car insurance.

If you are a safe driver and bear the cost of minor repairs or accidents, like a scratch or a small dent, you may not raise a claim.

This behaviour will help you earn a No Claim Bonus. This discount is considered to be the most prominent in the car insurance business. But there are several others in addition.


Here i am giving you one of the best insurance companies which provides cheap insurance in india:

  1. Reliance General Insurance
  2. Policy bazaar  
  3. HDFC ERGO
  4. ICICI
  5. Royal Sundaram
  6. IFFCO TOKIO
  7. Bajaj Allianz


Car Insurance Online Car Insurance Online Reviewed by Cognizant on 2:44 AM Rating: 5

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