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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.
Comprehensive car insurance combines third-party car insurance and own damage insurance into a single policy. As per the Motor Vehicles Act, it is mandatory for all motor vehicles plying on Indian roads to get a third party liability cover. But such a cover does not pay for any damages that your car may sustain in an accident. Therefore, you must opt for a comprehensive car insurance policy for complete financial protection in the aftermath of an unforeseen event. A comprehensive car insurance will also protect you from losses due to car theft, or any damage to the car resulting from causes other than traffic collisions. As buying a car is a big investment, it is prudent to insure the same to safeguard your investment.
A comprehensive car insurance policy covers losses/damages to you and your car in addition to protecting you against third-party liabilities. You should opt for this type of car insurance online if you wish to get financial protection from losses caused due to accidents, theft and natural disasters. The comprehensive plan is recommended by experts for all-round financial protection.
The premium for such a policy consists of both a third-party premium and an own-damage (OD) premium. While the third-party premium is decided upon by the insurance regulator, OD premium varies based on the car’s make-model, age of the car, engine capacity, and geographical zones.
In case you do not already have the requisite Personal Accident Cover (PAC), you can also opt for the same along with your comprehensive car insurance. The government of India mandates that all drivers on Indian roads have a PAC of at least ₹15 lakh sum assured.
While it is mandatory that you get at least a third-party insurance, it is better to invest in a comprehensive car insurance as it would also provide you with:
Cover against natural calamities
The weather conditions have become highly unpredictable. A sudden downpour can lead to flash flooding almost in any city in India. Such a flood could also cause damage to your vehicle. This is where a comprehensive car insurance can come in handy and help you save on repairs.
Cover against man-made acts
But natural calamities are not the only risk your car faces. It could also be stolen or be subject to other malicious acts. A comprehensive car insurance policy would also protect you from the financial implications of such an act.
A third party liability insurance
A comprehensive car insurance includes a third party liability cover by default.
Access to add-on covers
Not everyone has the same car insurance needs. You can customize your car insurance policy through add-on covers that provide protection under specific conditions that are more likely to affect you. Some of the more popular add-on covers include zero depreciation cover, engine and gearbox cover and return to invoice cover.
If you are still not convinced, here are a few more benefits of buying a comprehensive car insurance policy:
Some of these scenarios may seem a little far-fetched, but they are within the realm of possibilities. While you cannot predict when an accident may happen, it is best to be prepared for all eventualities when a large investment is involved.
When you buy an insurance cover from ICICI Lombard General Insurance, you join a family of over 4 crore satisfied customers. You can reach out to our team any time of the day, from anywhere in the country for assistance with your car insurance policy. You can just call us and we would guide you through the simplified claims process ensuring faster settlement.
You also get access to our vast network of cashless garages. You can get your car repaired at these garages without having to shell out even a single rupee from your pocket for the covered damages. The claims are settled in a completely hassle-free manner and the payment made directly to the garage. Our strong online presence allows you to not just buy and renew policies online, but you can also file claims completely online making the process much simpler than ever before.
ICICI Lombard also offers a large bouquet of add-on covers through which you can customize your coverage to your specific requirements.
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Claiming insurance for bumper damage involves a clear process. Notify your insurer, document the damage with photos, fill out the claim forms, and choose a repair option. Follow these steps to ensure a hassle-free claims process and a timely reimbursement.
Car damage insurance claims can be straightforward when you follow the right process. This guide covers the steps to notify insurers, document damage, and submit necessary paperwork. Learn how to select repair options and navigate the claims process smoothly.
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