Insurance car online Tips

By | July 4, 2018
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(Last Updated On: July 4, 2018)

Insurance car online Tips

Insurance car online Tips / Online Car Insurance Tips

General Tips for Insurance car online

1 .Support :  Check whether  24×7 call assistance and SMS updates for claims support available, even on holidays

2 Whether you can Transfer  your existing No Claim Bonus (NCB) from any other car insurance provider

3. Cashless claim settlement is available  across the country,and car insurance provider gives  high service standards

4 Whether you can avail 24×7 Roadside Assistance with your Car Insurance policy

5 Whether you are getting Towing Facility in the event of a vehicle breakdown or an accident

6 whether Zero Depreciation Cover can be availed as an add-on cover with Car Insurance

Coverages of Car Insurance policy

Loss or damage to your car due to natural calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.

Loss or damage to your car against man-made calamities
Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

Personal Accident Cover
Coverage of  limit for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. whether Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available

Third Party Legal Liability

Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person

Add on Covers with your Motor Insurance/Car Insurance policy

A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, therefore you needs to check

  • 24×7 Spot Assistance
    This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
  • Lock and key replacement cover
    In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle
  • Accident Shield 
    Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car
  • Consumable Expenses 
    Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy
  • Conveyance benefit 
    If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a ‘per day’ cash benefit, as per the plan opted by the insured
  • Personal baggage
    The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. whether Damage caused by the covered perils is covered in under Motor Insurance/Car Insurance policy

Exclusions you should know about in your Motor Insurance Policy

  • Normal wear and tear and general ageing of the insured vehicle
  • Depreciation or any consequential loss
  • Mechanical/electrical breakdown
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacing the damaged part
  • Vehicle used otherwise than limitations as to use
  • Damage by a person driving any vehicle without a valid license
  • Damage by a person driving the vehicle under the influence of drugs or liquor
  • Loss/damage due to war, mutiny or nuclear risk

Car Insurance Claim Process

Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one.

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