Car Insurance provides insurance coverage for your car in case of damages due to natural and man-made calamities. Car insurance online helps you to insure your car in a hassle-free manner from unforeseen risks which may cause damage to your car or may subject you to claims from third party in event of accident. In India it is mandatory under law for all car drivers to have a valid car insurance at all times. Although the purchasing new car can be exciting, one should also consider potential accidents that can cause damage to your vehicle. Car insurance policy can come in handy as it will significantly lower the costs incurred on repairing the vehicle or replacing its parts.
What’s included and what’s not?
Yes. As per the Motor Vehicles Act, it is mandatory for car owners to have a valid third party car insurance in place for being able to drive their vehicle in India.
It is illegal to drive a car without a valid insurance (at least third-party cover) and may attract a fine of up to Rs. 2,000 or imprisonment for three months or both. This varies according to changes in law.
A car insurance policy only insures the car. It does not insure the driver of the car. Thus, to get the driver of the car insured against personal injuries/permanent disablement/death, you are required to purchase a Personal Accident cover with your comprehensive car insurance policy.
Buying a car insurance policy online saves you from the hassle of standing in queues and doing tons of paperwork. Purchase of a car insurance online also allows you to compare premium quotes from different insurance providers and select the one which best suits you.
Road Side Assistance is an add-on that can be coupled with a comprehensive car insurance cover for an additional premium. It offers prompt assistance in case of vehicle breakdown, towing, tyre replacement, fuel replacement and others.