CAR Insurance : What is Car Insurance?

Do You Have Car Insurance?


Car Insurance Gives Coverage Protection Accidental Loss and Damages to Own Car and a 3rd Party Caused Due to the Insured Car. When Choosing a Best Car Insurance Policy, a Person Should Always Compare the Premium Presented by Various Insurers to Get Best Deal. The Costs of Premium Would Majorly Depend on the Make & Value of the Car, the State From Which It is Registered or the Assembling Year.



What is Car Insurance?


Car Insurance is a Authoritative Document and a Arrangement Between the Car Owner or the Car Insurance Provider. The Agreement Offers Security for the Insurance Car in the Case of Financial Losses Due to Accidents, Natural Calamities, Rodent Damages Etc. Apart From the Financial Assistance Requirement, The Car Insurance is a Regulatory Report That Every Car Owner Must Purchase While Buying a Car. Even Second-Hand Cars Need Insurance. Besides, a Car Insurance Policy Must Be Renewed Every Year as Per The Public Authority Standards.


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Cashless Servicing:


Any Place Your Long Drives Take You, Our Extended Organization of Garages Will Allow You to Enjoy Hassle-free Cashless Service Across the Nation.


NCB Discounts & Entitlements:


Are You Worried About Losing Your No Claim Reward (NCB) if You Switch Your Insurance Policy? There is No Need to Worry, as You Can Retain Your NCB Benefits (as Per Your Terminating Policy) When You Decide to Move Your Insurance Policy From Another Insurer to General Insurance.


Premium Discounts:
Get an Additional Discount (As Per the Tariff) on Your Premium Plan When You Decide for Voluntary Deductible in Addition to Compulsory Deductible.


AAI Members Discount:

If You're an Active Member of a Recognized Automobile Association of India (AAI), You Can Enjoy an Additional Discount on Your CAR Insurance Premiums.


Benefits of Buying a Car Insurance Policy In India


If You Are Looking to Purchase a New Car, You Would Inevitably Spend Hours Researching About the Latest Car Model Available in the Market, Choosing the Right Colour and Searching for for the Best Safety Elements to Be Installed in Your Car. But, You, Like Similar of Others, May Not Pay Attention to Another Vital Aspect of Buying a CAR, Buying a Car Insurance Policy.


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Damage Cover


We Give Cover for the Partial or Complete Damages to Your Car Caused by Any Natural Calamities ( Fire, Explosion, Self-Ignition/Lightning, Earthquake, Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, Frost, Landslide, Rock-slide, Etc.) and Man-Made Calamities ( Burglary, Robbery, Riot, Strike, Malicious Act, Accidental External Means, Terrorist Activity, Damage in Transit by Road, Rail, Inland Waterway, Lift Elevator or Air, Etc.)


Personal Accident Cover


The Individual Accident Covers You in Case of Any Injury Caused While Driving, Mounting Into, Getting off From, and Travelling as a Co-Driver in the Guaranteed Vehicle. If Any Such Event Happens, The Car Secure Has You Covered. This Protection is Also Extended to Other Passengers Travelling in the Car, if the Number of Travelers is Limited to the Carrying Limit of the Car, Excluding the Driver.


Third-Party Legal Liability


To Keep Everybody Protect,  Car Secure Gives Cover for Any Damage to Third-Party Property or Third-Party Real Injury (Including Death) Caused by an Accident.


Including The Insured Vehicle/CAR

Comprehensive Cover


Your Car Needs Extensive Gives That Covers Damage Caused to You as Well as the Third-Party. Hence,  Car Secure Covers Generally All Electrical or Non-electrical, Accessories as Well as the Bi-Fuel Systems of the Vehicle in ITS Four-Wheeler /CAR Insurance Cover. You Can Extend the Range of Your Protection by Purchasing Extra Inclusion at Additional Superior Rates.


No Claim Bonus


Based on Your Past Claim History, You Are Eligible for an Attractive No Claim Reward (NCB). The Amount of NCB Increments Progressively With Each Guarantee free Year. Up to Half 50%, If You Do Not Make Any Claims in the Previous Year or Years, You Are Entitled to an NCB on the Own Damage (OD)  Part of the Policy.


Based on the Following Table:

Tyre Protection Cover


Your Car’s Tyre's Are Presented to Incessant Struggles as They Bear the Heaviness of the Vehicle While at the Same Time Surviving the Bad Road Conditions. Hence, It is Vulnerable to Suffering Damage. Utilizing Tyre Insurance Cover, You Can Get Compensated for the Repair, Replacement, as Well as Work Charges Incurred. This Cover is Valid Up to 1.5 Years Only With Tyre Serial Number,


Loss of Personal Belonging


There Are Chances That in the Case of Accidents, It’s Not Just Your Vehicle/Car That Faces Damage but Also Individual Effects That Were Inside the Car. With This Car Insurance Security Cover, You Can Be Compensated for the Loss of Individual Effects as Per the IDV of Your Policy.


Roadside Assistance
With Our 24*7 Roadside Emergency, You Can Safeguard Your CAR From Unexpected on-the-road Inconveniences. This Cover Provides You With Backup Under the Accompanying Conditions.

1- Towing Due to an Accident or Breakdown
2- Battery Jump Start
3- Arrangement/supply of Fuel
4- Emptying of the Fuel Tank
5- Flat Tyre(S)
6- Breakdown Support Over the Phone
7- Taxi Benefits
8- Arrangement of Keys
9- Message Relay
10- Minor Repairs


How to File a Car Insurance Claim : Car Insurance


Cashless Claim Process
Step 1:
Close Us About Your Claim With the Details of Your Policy.

Step 2:
When Your Claim is Registered, Our Customer Support Executive Will Gives You With a Claim Reference Number.

Step 3:
You Will Be Expected to Submit the Relevant Documents, Which May Include Your Driving Permit, RC Copy, or  Policy Fir Duplicate Copy, in Accordance With the Policy Terms and Conditions.

Step 4:
An Contract Will Be Made by Us for an Inspection, It Will Be Conducted Within 24 Hours if a Claim is Reported on a Working Day, or the Next Working Day if the Claim is Reported on a Sunday or a Public Occasion.

Step 5:
On Credit Facility Confirmation, the Car Can Be Repaired at a Preferred Network Garage, on Paid Made Directly to the Garage.

Step 6:
You Will Only Be Needs to Pay the Deductible as Mentioned in the Policy, or the Depreciation Value, Salvage, Etc. as Informed by the Assessor.

Reimbursement Process
Step 1:
Personal Us About Your Claim With the Details of Your Policy.

Step 2:
When Your Claim is Registered, Our Client Support Executive Will Gives You With a Claim Reference Number.

Step 3:
You Will Be Need to Present the Relevant Documents, Which May Include Your Driving Permit, RC Copy, and Policy Fir Duplicate Copy, in Accordance With the Policy Terms and Conditions.

Step 4:
An Contract Will Be Made by Us for an Inspection, It Will Be Conducted less than 24 Hours if a Claim is Reported on a Working Day, or the Next Working Day if the Claim is Reported on a Sunday or a Public Occasion.

Step 5:
The Vehicle/CAR Can Then Be Repaired by the Insurer Followed by the Paid for the Same by the Insurer.

Step 6:
Present All Bills, Installment Receipt Along With Your Policy Details to Us, or We Will Make the Installment Within 7 Working Days of Completion of the Documentation


*List of Documents Required for Filing The Car Insurance Claim


1- Registration Certificate (RC) Duplicate Copy
2- Policy Copy
3- Policy Holder's Valid Id Proof
4- Drivers Driving License
5- Fir Duplicate Copy (in Case of Theft & TP Claim)
6- Duly Filled Claim Form
Any Further Needs Will Be Conveyed Basis Inspection


What is Not Covered by  Car Insurance Policy?


To Best Enjoy All Your Considerations, You Must Likewise Learn About the Exclusions. It’s Ideal to Have Every Piece of Information Before You Purchase Car Insurance. Here is a List of All the Exclusions From Our Car Insurance Policy.


Loss/Accessory/Damage to the Vehicle/Accessories Arising by the Following Will Not Be Covered:

Typical Wear or Tear and General Aging of the Vehicle Depreciation and Any Consequential Losses (* Unless Separately Covered by Add ONS) CAR Being Utilized Otherwise Than in Accordance With Limitations as to Use
Mechanical/Electrical Breakdown


Any Contractual Liability
Damage to/by a Person Driving the Vehicle Under the Influence of Medications or Alcohol
Damage to/by a Person Driving the Vehicle Without a Valid Permit
Damages Due to Nuclear Risk and War



Car Insurance Premium


The Car Insurance Premium Refers to the Sum Paid Periodically by the Policyholder to the CAR Insurance Agency for the Coverage as Per the Policy.

Insured Declared Value (IDV) in Car Insurance The Insured Declared Value (IDV) of a Vehicle is the Maximum Sum Insured Fixed by the Insurer at the Start of Each Policy Period for the Insured Vehicle. The IDV  of the CAR is to Be Fixed on the Basis of the Maker's Listed Selling Cost of the Brand and Model as the Vehicle Insured at the Commencement of Insurance/Renewal or Adjusted for Depreciation. If the Vehicle Suffers Total Loss, the IDV is the Pay the Insurer Will Give to the Policyholder.


Coverage in Car Insurance Policy


Coverage is the Cost of Risk That is Covered for the Policyholder Through an Insurance Policy.

No Claim Reward (NCB) in Car Insurance


The No Claim Reward is the Discount on the Own Damage Give on the Premium Offered to the Policyholder From the Car Insurance Company for Responsible Driving or Not Filing Damage Claims During the Previous Policy Year.


No Depreciation in Car Insurance


No Depreciation Cover is an Extra Wherein the Entire Claim Cost is Settled by the Insurance Company Without Calculating in Depreciation Value of the Insured Car. This Cover is Applicable to Vehicles That Are Under 5 Years of Age.

Own Damage Cover in Car Insurance 


Own Damage Cover Safeguards the Insured Vehicle Against the Damages Caused Due to Accidents, and Man-made and Natural Calamities Such Riots, Robbery, Fire, Flood, Etc.


Cashless Claims in Car Insurance


At the point when Your Damaged Car Repaired at Your Insurance Provider's Organization Garage, the Insurer Pays the Garage Directly. Since the Policyholder Doesn't Have to Handle This Expense From His/Her Own Pocket, This Office is Known as a Credit only Case.

Comprehensive Coverage in Car Insurance


Comprehensive Car Insurance Covers a Four-wheeler Against Own and Third-party Damages. It Provides Financial Help to the Policyholder if the Insured Car Has Sustained Damages Due to Road Accidents, Natural Disasters, Artificial Calamities, Robbery, Fire, Etc. Along With Third-party Liabilities.


Exhaustive Coverage in Car Insurance


Exhaustive Are a Part of the Claim Cost You Will Pay From Your Pocket During Claim Settlement. The Rest of the Claim Cost is Pay by the Insurance Company. There Are Two Types: Voluntary or Compulsory Deductible. A Compulsory Deductible is an Amount You Must Pay Mandatory Whenever a Claim is Registered. The Amount of Mandatory Deductible Depends on the Cubic Capacity of a Car's Engine. On the Other Hand, a Voluntary Deductible is the Part of the Claim Pay You Willingly Decide to Pay at the Time of Claim Settlement. You Can Likewise Decide Not to Pay Voluntary Deductibles by Opting for No Deductibles While Buying a Car Policy.

RTO- Regional Transport Office


RTO Represents for Regional Transport Office and is a Government Body Responsible for Vehicle Enrollment and Issuance of Driver’s Licenses. Likewise, the RTO in Each State is Responsible for Maintaining the Database of Its Drivers or Vehicles.


☛  Questions Asked for CAR Insurance?

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