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Insurance Article

Secure your new car with Motor insurance

June 06 2014

When you secure your vehicle with car insurance online, you must look up various policies. Motor insurance is mandatory for drivers and car owners as per the Indian law.

Your car is a very precious asset. Any damage to your car or theft is a considerable loss. At the same time you also need to think about your safety while driving. Any unforeseen accident can burden you with additional expenses. However if you secure motor insurance, you do not have to worry about it. It takes care of all the potential damages and also provides cover for injuries due to an accident.

Cover: Motor insurance is mandatory in India if you have to drive a vehicle. The following cover is provided by motor insurance:

i) Motor loss or damage
ii) Third party liability
iii) Injury or death to a person due to accident
iv) Damage to property
v) Personal accident cover
vi) Road Side Assistance

Your vehicle is also covered for damages due to fire, explosion, riot, earthquake, floods, terrorist activity and malicious acts. You can purchase motor insurance online instantly. You can buy a policy for a vehicle even if you do not own it. However you have to apply for a personal accident cover in that case. Similarly, you can renew your policy online easily. In case you have to sell your vehicle, your policy gets transferred to your new vehicle, so that you do not incur any loss.

Premium: The premium of your motor insurance is determined by the type and age of vehicle, registration city and coverage period. You can choose to pay your premium by credit card, net banking, bill pay, debit card and cash card. You can opt for payment options when you buy a policy online.

Benefits of Buying Online: When you buy car insurance online, you must take quotes from various insurers, so that you find an insurance policy that meets your need. You are provided with numerous quotes online by insurance company websites. Various discounts are available with different policies. You can avail cashless claims if you cannot pay for repair charges. The garage list where you can claim cashless service is also available on the company website.

It is advantageous to purchase motor insurance online. If you have any queries, you can access online help and toll free numbers that are available on the insurance company websites. You can also make changes in your policy like change of name or registration number very easily online.

When you have to file a claim for damages to your vehicle you have to submit your claim form, R.C. copy, driving license and original bills. Your claims are settled within seven days.
In case you do not have claims for a long period of time you can also avail a discount as high as fifty percent.
Insurance company websites have policies tailor-made for your needs and budget. You are guided online to secure a policy and you can purchase a policy with a single click. 

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