Car insurance

1. Coverage Options
Comprehensive Coverage: Covers damages to your car from accidents, theft, vandalism, natural disasters, and more.
Third-Party Liability: Covers damages to other vehicles, property, or individuals in case of an accident where you are at fault.
Personal Injury Protection: Provides coverage for medical expenses for you and your passengers in case of an accident.
2. Types of Car Insurance
Third-Party Insurance: Mandatory in many regions; covers liability but not damage to your own vehicle.
Comprehensive Insurance: Provides broader coverage, including third-party and your own vehicle damages.
Collision Coverage: Covers damages to your car resulting from collisions with other vehicles or objects.
3. Benefits
Cashless Claim Facility: Access to a network of authorized garages for hassle-free repairs.
Personal Accident Cover: Provides coverage for you and your passengers in case of accidents.
24/7 Roadside Assistance: Offers help for breakdowns, towing, and emergencies.
4. Add-On Covers
Zero Depreciation Cover: Ensures full claim settlement without deductions for depreciation on vehicle parts.
Engine Protection: Covers damages to the engine from specific incidents like water ingress.
No Claim Bonus Protection: Allows you to retain your no-claim bonus even after making a claim.
5. Premium Calculation
Premiums are influenced by factors like the car’s make and model, age, your driving history, and the level of coverage selected.
6. Claim Process
Filing a Claim: Usually involves submitting a claim form, along with necessary documents (registration, driver’s license, accident report) either online or at a local office.
Documentation Requirements: Accurate documentation is crucial for smooth claim processing.
7. Exclusions
Common exclusions may include wear and tear, mechanical failures, and damages resulting from driving under the influence.
8. Renewal Process
Car insurance can typically be renewed online, ensuring continuous coverage without interruptions.

Third Party Car Insurance Price list 2023

Cubic Capacity Of The Car	Insurance Price
Not exceeding 1000 cc	Rs. 2,094
Exceeding 1000 cc but not exceeding 1500 cc	Rs. 3,416
Exceeding 1500 cc	Rs. 7,897