Policy purchase, claims, renewal & more
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08/12/2020 11:53:14
Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.
Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.
Car insurance is a motor insurance policy that provides a financial cushion if your car suffers damages/losses due to accidents, theft or other vehicle-related incidents. All car owners, whether male or female, need to have a valid third-party car insurance policy to drive legally in India. Besides this mandatory insurance, drivers can opt for an own damage policy that protects their vehicle against natural or man-made calamities. For women drivers, choosing the right car insurance ensures peace of mind every time you drive.
Car insurance has various features that make it a must-have. These include:
Car insurance offers financial compensation against natural and man-made calamities such as fire, explosion, theft, accident by external means, etc.
Car insurance also has an in-built personal accident cover. This cover offers compensation if you suffer an injury while driving, mounting or dismounting from your vehicle.
Car insurance also covers third-party legal liabilities. This liability arises in case your car causes any damage to a third party.
Car insurance also offers various add-on covers. These include zero depreciation, return to invoice, roadside assistance, etc. You can choose the one that best meets your requirements.
Car insurance for women brings several benefits to the table. Some of the prominent advantages you get with this insurance are:
Repairing a damaged car can be expensive. It can run into several thousands of rupees. Car insurance helps you meet such expenses without burning a hole in your pocket.
Insurers have network garages where you can take your damaged car for repair. You get a cashless facility at these garages that promptly fix your car.
Driving without valid insurance is a punishable offence. It can attract penalties. Car insurance helps you avoid penalties and drive with peace of mind.
Damages can bring down your car’s value. Car insurance can help you restore your car’s value to a great extent. This comes in handy in case you want to sell your car in the future.
Insurers don’t offer different policies based on gender – both men and women have access to the same set of car insurance policies. There are three different types and each one has its own features. These are:
This car insurance policy covers legal liabilities for injuries and damages suffered by a third party. It doesn’t cover any damages suffered by you or your car. It’s mandatory to have it to drive in India.
This car insurance covers damages or losses incurred due to natural and man-made disasters. These include fire, theft, flood, storms, earthquakes, etc.
This car insurance covers own damage and third-party legal liability. It offers compensation in case of loss or damage to your vehicle and third-party legal liability protection.
Buying a car insurance shouldn’t be a rushed decision. You need to consider several things. Some of these are:
Are you using your car daily for work or just for weekend trips? The way you use your car should guide the type of coverage you pick.
A basic third-party cover is compulsory. However, a comprehensive policy gives better protection to you and your car.
Don’t settle for the first option. Compare multiple policies across insurers to check prices, features, inclusions and exclusions, among others.
A smooth and simple claim process can save you from troubles later. Read reviews and see how well the company handles claims.
Think about the add-ons you need to enhance coverage. While there are several add-ons on offer, choose only the ones you genuinely need.
Make sure the insurer has good customer service. Quick help during an emergency can make a huge difference.
Applying for car insurance online is simple and easy. All you need to do is:
You can enhance your car insurance policy by opting for various add-ons. You can add them to your policy by paying an additional premium. Some of them are:
This add-on helps cover expenses incurred on the repair or replacement of a damaged engine due to water ingression, leakage of lubricating oil, etc.
This add-on provides emergency services in case your car breaks down on the road suddenly. It helps you take your car to the nearest network garage for essential repairs.
This add-on gives you the full claim amount without deduction for depreciation of the damaged parts. It further helps you reduce out-of-pocket expenses.
This add-on covers expenses you incur when repairing or replacing car keys and locks. Keys and locks of high-end cars are expensive and replacing them can be quite expensive.
The process of renewing car insurance is easy. You can do it online in a few easy steps. All you need to do is:
To make a claim from your insurance policy:
For detail information, please click here.
The documents you need to make a claim for car insurance are your car’s registration certificate, your driving license, a copy of the policy, claim form, FIR or police report, garage estimate, repair invoice, etc. Make sure to keep these documents where you can access them easily when needed. For more details, click here.
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Not really. Car insurance is generally the same for both men and women.
Yes. Regardless of how often you drive, you need to at least have third-party car insurance. On the other hand, a comprehensive car insurance policy offers wider coverage and protection.
Opting for deductibles, installing anti-theft devices and avoiding unnecessary add-ons can help you lower your car insurance premiums.
Yes, you can. Digitalisation has made it easy and convenient to compare and buy policies online easily. It’s often faster and more cost-effective.
An add-on is an extra cover you can include in your policy for better protection. Popular add-ons include zero depreciation, roadside assistance, engine protection, etc.
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