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Insurance Article

Enhance the safety of your commute with a private car insurance policy

March 11 2013

To reduce the burden and stress of exorbitant repair bills, it is best to insure your vehicle with a comprehensive private car insurance policy. Different benefits and features included in such an insurance policy offer optimum coverage to ensure complete safety of your car and finances even during a stressful event like an accident.

When selecting a comprehensive insurance plan for your car you must obtain sufficient information about the extent of coverage offered. Also, the policy that you select must allow you to include optional covers to further enhance the benefits of the insurance plan. A quick search online for obtaining different private car insurance policy quotes will make you aware of the different plans offered by various insurance companies in India. Many insurance companies also offer two car policy that allow you to simultaneously insure two vehicles. This policy can be purchased by providing all the license details of the owner/driver prior to policy purchase.

ICICI Lombard may offers a comprehensive insurance cover for your cover that is easy to purchase and promises a host of benefits. This insurance policy can be purchased from the comforts of your home with just a few clicks of the mouse, thanks to the online purchase mode. The digitally signed copy issued by the insurance provider keeps your car against different types of damage and loss.

Certain regions in India are more prone to damage due to natural calamities and these natural occurrences may also cause physical damage to your car. This comprehensive car insurance plan offers cover against lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide or fire, explosion, self-ignition.

This insurance policy includes the mandatory third party liability cover that is made mandatory by the IRDA. This cover comes to your rescue if your insured vehicle causes damage to a persons’ property or causes permanent injury. Legal liabilities occurring due to death of the person are also included under this cover.

Road accidents may not only cause damage to your car but also cause injury to the driver-owner. This comprehensive plan includes the coverage for personal accident that safeguards the driver-owner from incurring sudden financial loss for treatment of his injuries. Since this cover is included in the policy plan, you do not have to pay any extra premium to enjoy the benefits. Compensation in the form of a sum insured is offered to the driver-owner if he is injured during travelling, mounting or dismounting from the car.

All these benefits of a comprehensive car insurance plan will go a long way in ensuring the safety of your car and also prevent untimely expenditure.

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