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 for electric vehicles, which is commonly known as electric car insurance, protects your ride against potential losses and damages on the road. For example, it provides coverage against losses or damages incurred due to natural and man-made disasters like flood, earthquake, theft, fire, etc. It also covers third-party liabilities. You can easily purchase electric car insurance or EV insurance online in just a few simple steps.
Here are the vital features of electric vehicle insurance:
Fire, self-ignition, storms, theft, riots, landslides, rockslides, etc., are various risks that lurk large. They can cause extensive damage to your electric car. EV car insurance covers these risks and more, thereby giving you total peace of mind.
EV insurance is pretty easy to buy. Thanks to digitalisation, you can buy an electric vehicle insurance policy online directly through the insurer’s website. Just input your vehicle’s registration number, your mobile number, get a quote, pay premiums and you are done.
Third-party liability cover and personal accident cover are two features that offer protection beyond damages sustained by natural or man-made calamities. These features in EV insurance come to your aid in situations where your vehicle injures someone or when you sustain injuries in an accident.
Car insurance for electric cars offers the following benefits:
Electric cars are expensive. Repairing them after damage can be costly. EV insurance can help significantly reduce out-of-pocket expenses when you repair your damaged vehicle. You don’t have to think twice before taking your prized possession for repair.
Why pay upfront and get reimbursed later? Electric vehicle insurance provides access to a network of garages. The insurer settles the bill directly to the garage without you having to pay anything from your pocket. The entire process is seamless and hassle-free.
An EV insurance policy offers various add-on covers, including zero depreciation, tyre protection, and engine protection, among others. They give you added protection on top of your base policy. You can opt for the one that best fits your requirements by paying an additional premium.
An electric vehicle insurance policy covers the loss or damage of your electric vehicle and its accessories due to:
EV car insurance doesn’t provide coverage in the event of:
Among the several add-ons you can add to your EV car insurance are:
This add-on comes in handy if your electric car suddenly breaks down on the road. Having this add-on provides access to emergency services as per the policy’s terms and conditions. It’s useful if you frequently go on long drives in remote locations.
Replacing lost keys to your electric car can be quite expensive. The key protect add-on covers the cost of replacing lost or stolen keys, up to the sum insured. You can opt for this add-on if you deem fit by paying an additional premium.
Your electric car starts losing its value the moment you take it out of the showroom. The zero depreciation add-on covers the full cost of applicable parts, excluding depreciation, during repairs. This ensures you get the full claim amount.
This add-on, available with EV insurance, covers expenses incurred for replacing or repairing damaged engine and gearbox parts due to water ingress or lubricating oil. The engine is the heartbeat of any car, and replacing or repairing it can be pretty expensive.
Note: Please go through the policy wordings for exhaustive list and details about add-ons.
Filing an EV insurance claim is easy. All you need to do is:
The first step is to inform us regarding your claim. You can reach out to us via our toll-free number. You can also lodge your claim through our website. Make sure to do it as soon as possible.
Next, complete the video survey of your damaged vehicle. You can do so from the IL TakeCare app by using the InstaSpect feature. Ensure that you cover damages from multiple angles. Do this in a well-lit area and ensure you have a stable internet connection.
Submit the required documents along with the claims form. On most occasions, you need to submit the policy copy, copy of the registration certificate, garage estimate, copy of the driving licence, etc. We will inform you if you need any additional documents.
Note: Please click here for more information.
The basic documents you need for making a claim are:
See the full checklist of the documents here.
To renew electric vehicle insurance:
Several factors impact EV insurance premiums. Some of them are:
The type of electric vehicle you drive matters. Premiums often vary depending on the brand, model and features of the car. A high-end EV with advanced features may be treated differently from a basic city car. The insurer considers the cost of repairing or replacing the car.
The frequency and distance you drive the electric car can also impact your insurance. Vehicles used daily for long distances may be treated differently compared to those used occasionally. Whether you use your EV for personal purposes or business travel can impact the premium amount.
Many electric cars come with modern safety features and driver-assistance systems. These technologies are designed to reduce the chance of accidents. Insurers consider how well-equipped your car is when evaluating your application.
The kind of policy you choose, third-party or comprehensive affects the final premium. Each plan offers a different level of protection, and the more comprehensive it is, the higher its cost may be. Premiums also depend on the add-ons chosen.
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Not always. It depends on the vehicle's value, battery cost, and service availability. Some insurers may offer lower premiums or green discounts for electric vehicles.
Yes, many insurers offer useful add-ons like roadside assistance, battery cover, zero depreciation, or even home charger protection. These can enhance your EV coverage.
Premiums depend on the vehicle's value, battery cost, brand, model, age, location and chosen coverage.
If your electric vehicle is stolen, your insurer will compensate you based on the Insured Declared Value (IDV) after verifying the claim. Theft coverage is only available in comprehensive plans.
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