Car Insurance In Kerala

Kerala, located in southwestern India, is a tropical paradise to say the least. It is also known for its lush landscapes, vibrant culture, and warm hospitality.

As you explore Kerala, you will encounter fragrant spice plantations, pristine beaches, and misty hill stations. The state's rich cultural heritage is evident in its classical dance forms like Kathakali, the melodic rhythms of traditional music, and the mouthwatering cuisine featuring coconut-infused curries and fresh seafood.

While immersing yourself in Kerala's beauty and culture, don't forget the practicalities. For those planning to navigate the scenic yet winding roads of this beautiful state, securing reliable car insurance online in Kerala is a must.

Benefits Of Buying Car Policy In Kerala

Buying a car insurance online in Kerala can be a smart decision for many reasons. Here are some major reasons:

• It allows you to protect your car from the unpredictable weather of Kerala, which includes floods, landslides, and storms. A car policy will cover the losses or damages caused by these natural disasters.
• You enjoy the peace of mind knowing that you comply with the law. According to the MV Act 1988, having at least a third-party car insurance policy in India is mandatory. This policy covers the liability arising from any injury or death of a third party or damage to their property caused by your car.
• You can receive quality health care in case of any injury or illness due to a car accident. A car policy will provide you with a personal accident cover, which will pay for your medical expenses and compensation in case of disability or death. 
• A car policy will also provide you with a cashless facility, meaning you don’t have to pay anything upfront for the repairs at any network garages across Kerala.

When looking for the best car insurance in Kerala, you may keep these benefits in mind.

Why Choose ICICI Lombard for Car Insurance In Kerala?

ICICI Lombard is a reputable choice for car insurance in Kerala for several compelling reasons:

• You can purchase or renew your insurance online from the comfort of your home or office. The platform also allows for an instant e-policy without any paperwork.

• You can save money on your car insurance premium with a no-claim bonus (NCB) of up to 50%. NCB is a reward for not making any claims during the policy period.

• You can get roadside assistance in emergencies, such as a breakdown, flat tyre, battery jump-start, fuel delivery, towing, etc.

• When you buy your car insurance from ICICI Lombard, you can rest assured that you’re partnering with one of the most reputed and trusted brands for insurance solutions in India.

How to Select the Best Car Insurance Plan in Kerala?

Choosing the right car insurance plan in Kerala is crucial for your peace of mind and financial security. Here is a step-by-step guide:

• Determine what coverage you need, whether basic third-party liability or comprehensive coverage.
• Get quotes from multiple insurers to find the most competitive premium rates.
• Research the insurer's claim settlement ratio. A higher ratio represents a better track record of settling claims.
• Evaluate optional add-on covers like zero depreciation, roadside assistance, and engine protection to tailor your policy to your needs.
• Understand the policy exclusions to avoid surprises during a claim.
• Assess the insurer's customer service responsiveness and availability.
• Familiarise yourself with the insurer's claim process to ensure it is hassle-free.