Buy/Renew Car Insurance Online & Save Upto 85%
What is Car Insurance?
Car insurance, also known as motor or auto insurance, is a protective policy that provides financial coverage if your vehicle faces damages due to accidents, theft, natural disasters, or third-party liabilities. It acts as a financial shield, ensuring that you are safe from unexpected expenses arising from such incidents.
A Comprehensive Car Insurance Policy offers extensive coverage, including protection for own-vehicle damages and third-party liabilities, helps you to stay legally compliant while driving. On the other hand, a Third-Party Car Insurance Policy is mandatory by law and covers damages or injuries caused to another person, vehicle, or property.
The premium for car insurance depends on various factors, including the insured declared value (IDV), type of coverage, deductibles, and vehicle classification. With the rise of online insurance platforms, comparing policies, customizing coverage, and buying or renewing car insurance online has become effortless.
In times of crisis, having car insurance can be a financial lifesaver, preventing out-of-pocket expenses for repairs or legal claims. To enjoy uninterrupted protection, ensure that you renew your car insurance policy on time, staying compliant with legal norms and safeguarding your vehicle against unforeseen risks.
Key Features of Online Car Insurance
Buying car insurance online for cars is super easy, cost-effective, and seamless nowadays. You can get your car insured in just three simple steps against damages caused by accidents, theft, fire, natural disasters, and third-party liabilities. Some of the key benefits of buying four-wheeler insurance online:
Affordable Premiums
Removing the middlemen and reducing operational costs allows online insurers to offer low premium insurance. With no agent commissions, you can access policies at competitive rates while also benefiting from exclusive online discounts.Zero Paperwork
Say goodbye to long forms and physical documents. Online car insurance eliminates the need for excessive paperwork, making the entire process—from purchasing to renewal—fast and hassle-free.Quick & Easy Claim Process
Raising a claim has never been easier. Many insurers offer instant car insurance claims settlements for minor damages, along with efficient processing for major claims. Some even provide doorstep pickup and repair services, ensuring a stress-free experience.Get Instant Policy
Once you complete the payment, your digital policy document is sent instantly to your registered email, allowing you to access it anytime. This eliminates the need to wait for physical copies.24x7 Accessibility & Convenience
Whether it’s midnight or a public holiday, you can buy, renew , or make a claim at your convenience. Digital platforms ensure that policy-related services are accessible anytime, anywhere.Easy Insurance Renewal
Renewing your car insurance policy is as simple as entering your policy details and making a quick online payment. Automated reminders ensure you never miss a renewal deadline, keeping your coverage active.By buying car insurance online, you can save time, money, and effort while enjoying the convenience of digital services. Compare car insurance policy, select the best coverage, and insure your vehicle within minutes-without any paperwork!
Types of Car Insurance Policies
Car Insurance offers a variety of insurance policies with different benefits and features. However, these may be subject to availability, so it’s advised to check and renew Car insurance online.
Third-Party Car Insurance
Third-party car insurance is the most basic type of coverage and is mandatory under the Motor Vehicles Act, 1988. It protects you against financial liabilities arising from damages or injuries caused to a third party or their property.
The premium for third-party car insurance is facilitated by Insurance Regulatory and Development Authority of India (IRDAI)
What Does It Cover?
Third-Party Liabilities:
Covers injuries, death, or property damage to others.Legal Compliance:
Meets the minimum legal requirement for driving on Indian roads.
Comprehensive Car Insurance
Comprehensive car insurance offers complete protection for your vehicle, covering both third-party liabilities and damages to your own car. It’s the most extensive type of coverage, ideal for car owners who want 360-degree security.
Comprehensive car insurance is perfect for those seeking peace of mind and all-around protection against unforeseen events.
What Does It Cover?
Third-Party Liabilities:
Injuries, death, or property damage caused to others.Own Damages:
Accidents, collisions, theft, natural disasters, fire, and even incidents like rat bites.Add-On Covers:
Enhance your policy with optional add-ons for extra protectionZero Depreciation Cover:
Ensures full claim amount without depreciation deductions.Roadside Assistance:
Provides emergency services like towing, fuel delivery, and flat tire support.Personal Accident Cover:
Financial protection for injuries sustained in an accident.
Standalone Own Damage Car Insurance
Standalone Own Damage Car Insurance not only focuses on protecting your vehicle from damages caused by accidents, natural disasters, or man-made calamities, but also a great option if you already have third-party insurance.
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Zero Depreciation Policy
A Zero Depreciation Policy, also known as a Bumper-to-Bumper policy, is an add-on to your comprehensive car insurance plan. Additionally, it covers 100% cost in case of damage. It ensures maximum claim benefits by covering the full cost of car parts during repairs, without factoring in depreciation.
View MoreTips to lower down Car Insurance Premium
01
Compare car insurance policy
Before buying or renewing motor insurance, always compare quotes from different insurance providers. This will help you to buy an affordable car insurance policy.
02
Opt for Voluntary Deductibles
Voluntary Deductible is the amount that you agree to pay out of your pocket. By choosing a higher deductible, you can lower your car insurance premium
03
Avoid Small Claims
It’s advised not to make small claims for minor damages which can increase your premium over time. Instead, pay for small expenses and keep your car insurance plans affordable.
04
Renew Insurance Timely
Renew your car insurance policy is very important. If not done, it can lead to high insurance premiums or policy cancellations
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Frequently Asked Questions
Car Insurance is more than just a legal document. It’s also a financial decision that every car owner should make. No matter what type of car you drive, having a four-wheeler insurance policy is a must. Here’s why you should buy:
- Legal Compliance
- Financial Protection
- Third-Party Liability Coverage
- Own Damage Coverage
- Personal Accident Cover
- Add on benefits
- Peace of mind
There’s no need to submit any physical document. However, you need to some important details like:
- Your Current Location
- Number of Claims in the Last 5 Years
- Car’s Registration Number
- Car’s Year of Manufacture
You can use similar documents for renewal of car insurance
To get your car insured from VehicleInfo, click on car insurance, provide few details of your car, and get new car insurance instantly.
Steps to File a Car Insurance Claim
- Inform Your Insurance Provider
- Submit all the evidence
- Get your vehicle inspected
- Get your insurance approved
You can reduce your insurance premium of 4 wheeler insurance by:
- Building your NCB (No Claim Bonus) percentage
- Installing an anti-theft device
- Compare your four wheeler insurance plans with other plans
- Opting for higher deductible
