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Car insurance is a crucial aspect of owning a vehicle. It protects you in the case of an accident, theft, or damage to your car. However, choosing the right car insurance policy can be a daunting task, especially in India. The market is flooded with insurance providers, each offering a range of policies with varying benefits and coverage.
With the rise of the internet, comparing and buying car insurance online has become the norm. It is convenient, time-saving, and offers a wide range of choices. In this article, we will guide you through everything you need to know about comparing car insurance policies online in India, to help you make an informed decision that suits your needs.
Compare Car Insurance Online India
When it comes to car insurance, there are two main types of policies – third-party insurance and comprehensive insurance. Third-party insurance covers damages caused to a third-party person or property, while comprehensive insurance covers both third-party damages as well as damages to your own car.
Comparing car insurance policies online in India is quick and easy. You can compare policies based on their coverage, premiums, add-ons, and other benefits. Here are some of the key factors to consider when comparing car insurance policies online in India:
1. Coverage
The coverage provided by a car insurance policy determines the level of protection you get in the case of an accident or damage to your car. When comparing policies online, it is important to check the coverage offered by each policy and choose the one that best suits your needs. Some policies may offer coverage for third-party damages only, while others may offer comprehensive coverage that includes both third-party and own-car damages.
2. Premiums
The premium is the amount you pay to the insurance provider to keep your policy active. When comparing car insurance policies online in India, it is important to check the premiums charged by each policy and choose the one that fits your budget. Make sure to compare the premiums of policies with similar coverage to get a fair comparison.
3. Add-Ons
Add-ons are additional benefits that you can opt for by paying an extra premium. These may include zero depreciation cover, roadside assistance, engine protection cover, etc. When comparing car insurance policies online in India, make sure to check the add-ons offered by each policy and choose the one that provides the most value for money.
4. Discounts
Insurance providers offer various discounts to policyholders based on their profile and history. These may include no-claim bonus, voluntary excess, anti-theft devices, etc. When comparing car insurance policies online in India, make sure to check the discounts offered by each policy and choose the one that provides the most savings.
5. Claim Settlement Ratio
The claim settlement ratio is the percentage of claims settled by an insurance provider out of the total claims received. A higher claim settlement ratio indicates that the insurance provider is reliable and efficient in settling claims. When comparing car insurance policies online in India, make sure to check the claim settlement ratio of each insurance provider and choose the one with a good track record.
6. Customer Reviews
Customer reviews are a great way to get an idea of the quality of service provided by an insurance provider. When comparing car insurance policies online in India, make sure to read customer reviews of each insurance provider and policy to get an idea of the level of satisfaction among policyholders.
7. Network Garages
Network garages are garages that have tie-ups with the insurance provider for cashless repairs of your car in case of an accident. When comparing car insurance policies online in India, make sure to check the network garages of each insurance provider and policy to ensure that you have access to garages that are convenient for you.
FAQs About Car Insurance Online India
1. Is it compulsory to have car insurance in India?
Yes, it is mandatory to have at least third-party car insurance in India as per the Motor Vehicles Act, 1988. Driving without insurance can lead to fines and legal hassles.
2. What is the difference between third-party insurance and comprehensive insurance?
Third-party insurance covers damages caused to a third-party person or property, while comprehensive insurance covers both third-party damages as well as damages to your own car.
3. Can I buy car insurance online in India?
Yes, you can compare and buy car insurance policies online in India through the websites of insurance providers or online aggregators.
4. Can I renew my car insurance policy online?
Yes, you can renew your car insurance policy online in India through the websites of insurance providers or online aggregators.
5. What are add-ons in car insurance?
Add-ons are additional benefits that you can opt for by paying an extra premium. These may include zero depreciation cover, roadside assistance, engine protection cover, etc.
6. What is the no-claim bonus?
The no-claim bonus (NCB) is a discount offered by an insurance provider to policyholders who do not make any claims in a policy year. The NCB can go up to 50% of the own-damage premium of the policy.
7. How can I claim car insurance in India?
You can claim car insurance in India by contacting the insurance provider and providing all the required documents and details of the accident or damage.
Conclusion
Comparing car insurance policies online in India is a quick and easy way to choose the right policy that suits your needs. By considering factors such as coverage, premiums, add-ons, discounts, claim settlement ratio, customer reviews, and network garages, you can make an informed decision that provides you with the best value for money.
Whether you are a first-time car owner or renewing your existing policy, buying car insurance online in India is the way to go. It is convenient, time-saving, and offers a wide range of choices. So, compare car insurance policies online today and protect yourself and your car from unforeseen events.
Source: Policybazaar