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Car insurance is a mandatory policy that covers the cost of damage to your vehicle due to unforeseen events such as theft, collision, etc. Under this policy, the insurance company covers all or part of the cost of repair or replacement plus any damages. to a third party.

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What is Car Insurance?

Car insurance, also known as car insurance or Car insurance, provides financial protection for you and your four-wheeler against accidents, theft, fire, disaster, and any loss or damage caused by a third person or property. It also provides coverage against personal accidents for the motorist.

Key Features of Car Insurance Policy

Key Features : -

1. Third Party Damage

2. Own Damage Cover

3. Personal Accident Cover

4. No Claim Bonus

5. Add-On Covers

6. Car Insurance Premium

7. Buying/Renewal Process

8. Cashless Repairs

Benefits Offered :- 

1. Covers both third-party injuries & property Damages

2. Available under standalone & comprehensive plan

3. Up to Rs 15 lakh

4. Up to 50%

5. More than 10 add-ons depending on the plan

6. Starting @ ₹2072/year*

7. Online & Offline

8. Available

Types of Car Insurance Policy in India

A car insurance policy is a protection cover for your car against any damage caused by natural disasters such as floods, earthquakes, hurricanes, accidents and theft. There are three types of car insurance Policies :

1. Third Party Car Insurance

Third party Car Insurance Provides Coverage for Third Party Financial Liability such as vehicle damage, bodily injury, death and disability, as well as property damage.

2. Comprehensive Car Insurance

A comprehensive insurance policy covers third party liability as well as damage to your own car. Compared to third party liability insurance, a comprehensive car insurance policy offers comprehensive coverage, additional benefits and losses to the insured car in the event of an accident, collision, theft, etc.

3. Own Damage

Its/Own damage insurance policy provides coverage to the policy holder in the event of any kind of damage to his vehicle. Third party insurance does not cover your losses, so you will need to purchase it separately.

4. Pay as You Drive Insurance

PSU (Pay As You) Drive Insurance is also called Used Car Insurance. This allows the policyholder to pay the insurance premium per kilometer driven by the insured car. This will be useful for people who have more than one car and therefore do not use each of them often. Currently, there are only a few insurers offering this policy. It provides comprehensive coverage for its losses and third party liability coverage is provided on a pilot basis for a period of one year.

How to Calculate Car Insurance Premium?

The cost of car insurance is determined by a number of factors. It is also easy to find out the four wheeler insurance premium using the online car insurance calculator. However, the insurance provider takes into account the following parameters before deciding the cost of car insurance :

Vehicle IDV (Insured Declared Price)

Age and type of vehicle

Engine capacity

Geographical area

Car IDV Calculation Formula:

IDV = Car Showroom Value + Accessory Price - Depreciation Price

Thus, the formula for calculating OD premium amount is:

Your loss premium calculation formula:

Insured Declared Value X [Car Premium as Insurer] + [Optional Benefit] - [NCB / Discount etc.]

How To Compare Car Insurance Online?

Comparing car insurance is essential to choosing the best policy for your car. Compare online car insurance with top four wheeler insurance companies before renewing. It takes a few minutes to buy or renew car insurance online. You will need to enter vehicle details, contact information and insured details and choose the cover according to your need.

According to the Motor Vehicle Act 1988, it is mandatory for all cars in India to purchase a Car Insurance Policy. Car Insurance Companies Pay Third Party Compensation for the loss or Damage to the Insured Car and the Insured four Wheeler. It may help :

1. Car Making, Models And Varieties.

This information is important for calculating the base premium. A luxurious, powerful and expensive car will attract more premium. For example, the premium for an SUV car will always be higher than for a family car.

2. Manufacturing Year

The year your car is manufactured allows the insurance company to calculate its Insured Declared Value (IDV) which allows the underwriter to determine the annual premium for your car.

3. CNG Equipped Car

Due to its high sensitivity to combustion, cars equipped with CNG are generally insured at a slightly higher premium than a Typical Petrol / Diesel Car.

4. Extra Cover

You need to specify if you want to cover the electrical and non-electrical accessories installed in your car. Most insurers offer cover for your car accessories at an additional premium of 4% on its price.

Best Car Insurance Policy in India 2022

The Following Table Shows a Complete List of the best Car Insurance Policies in India, Covering their Personal Accident and The Number of Network Garages Offered by Car Insurers :

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1. Car Insurance Company : Bajaj Allianz Car Insurance

Network Garages : 1024

Incurred Claim Ratio % 2021-22 : 68.06%

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2. Car Insurance Company : Bharti AXA Car Insurance

Network Garages : 3742

Incurred Claim Ratio % 2021-22 : 64.27%

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3. Car Insurance Company : Chola MS Car Insurance 

Network Garages : 4636

Incurred Claim Ratio % 2021-22 : 4.30%

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4. Car Insurance Company : Digit Car Insurance

Network Garages : N/A

Incurred Claim Ratio % 2021-22 : 74.91%

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5. Car Insurance Company : Edelweiss Car Insurance

Network Garages : 1268

Incurred Claim Ratio % 2021-22 : 93.38%

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6. Car Insurance Company : Future Generali Car Insurance

Network Garages : 3194

Incurred Claim Ratio % 2021-22 : 66.13%

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7. Car Insurance Company : IFFCO Tokio Car Insurance

Network Garages : 6757

Incurred Claim Ratio % 2021-22 : 84.04%

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8. Car Insurance Company : Kotak Mahindra Car Insurance 

Network Garages : 2327

Incurred Claim Ratio % 2021-22 : 74.64%

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COVERAGE UNDER CAR INSURANCE POLICY

What is covered

• Damage or damage to the insured vehicle.

• Accidents, thefts, fires, explosions, self-immolations, lightning strikes, riots, attacks or acts of terrorism, damage or loss of your vehicle due to natural disasters.

• Financial liability for injury / death or damage to third party property.

• Personal Accident Insurance Corps

What is not covered

• Loss or damage if no policy is enforced.

• Gradual deterioration of the car and its parts.

• Damage or damage to the vehicle caused by a person driving without a valid driving License.

• Damage or damage to the vehicle as a result of intoxication, alcohol, etc.

• Damage or damage to the engine as a result of oil leakage.

• Damage or damage to the vehicle as a result of improper use of the car manufacturer's instructions.

Add-On Covers in Car Insurance Policy

You need to buy an add-on cover to pay extra premium. There are some add-on courses - no claim bonus protection cover, zero depression cover, engine protection cover, key protection cover, etc.

Let's talk in more detail about Car Insurance Advance:

1. No Claim Bonus Protection Cover

2. Engine Protection Cover

3. Zero Depreciation Cover

4. Consumables Cover

5. Key Protection Cover 

6. Daily Allowance Benefit     

7. Personal Accident Rider Benefit

8. Cover for Car Accessories

9. Deductibles

10. Personal Accident Cover

11. Roadside Assistance

12. Return To Invoice

13. Personal Possession Cover

14. Tyre Protection Cover

15. Rim Damage Cover

16. Passenger Cover

How to Buy Car Insurance Online?

To Buy a Car Insurance Policy Online. Follow The Steps Below :

Visit the official website of Policybazaar Insurance Brokers Pvt Ltd.

Choose some suitable plans and compare them.

Once you have selected the plan of your choice, then check the inclusion, exclusion with terms and conditions.

You can add or remove any add-ons as you wish. However, you can only buy add-ons if you are buying a comprehensive plan.

Once you have done that, you can proceed to pay online.

You can use your debit / credit card, UPI and net banking to pay premiums.

After payment is made, the insurer will send you the policy document along with your Registered Email ID to your Home Address.

Benefits of Buying Car Insurance Online

Buying car insurance online is a common practice these days. By purchasing a 4-wheeler insurance policy online, you can insure your car against accidents, thefts, fires, etc. within 2 minutes. If you're wondering why most people prefer to buy Four Wheeler Insurance online, check out the benefits below:

1. No More Agents

2. Zero Paperwork

3. Convenient & Saves Time

4. Payment Reminders

5. Online Premium Payment Facility

6. Easy Comparison

7. More Cost-Effective

8. Easy Endorsements

9. Soft Copy of the Document

How to Renew Car Insurance Online?

It is mandatory to renew Car Insurance to avail the benefits without brakes. Therefore, you should make sure that your car has insurance before it expires. Follow the steps below to renew your car insurance online.

Go to the car insurance renewal section.

Enter the required details on the page, such as your policy number, mobile number, date of birth, etc. and submit them.

Choose the four wheeler insurance plan you want to buy.

Choose riders or add-on courses you want to buy or dispose of (if any)

The premium amount paid to you will be displayed on the page.

Pay Insurance premiums online using credit card, debit card or net banking.

Once the payment is completed, your car insurance policy will be renewed.

You will receive a policy document for your renewed car insurance on your registered e-mail ID. You can also download a copy of the policy document and print it out whenever you want.

Benefits of Car Insurance Renewal Online

The new car insurance policy has a term and after it expires, you have to renew it to insure your car. You can renew your car insurance policy offline or online. Although many of us still follow the traditional method of offline renewal of policy, it is better to opt for online car policy renewal. Here are some benefits of online car insurance renewal :

Simple Policy Customization :- You can easily customize your car policy by updating it online. You can increase its coverage by adding ads to your policy. However, before you top up your policy with add-ons, you should keep in mind that the premium depends primarily on the type of cover you are taking.

Secure Renewal / Purchase Process :- Online car insurance renewal is an easy process due to the availability of all required information on the web. This transparency enables you to make informed decisions. In addition, payment through secure payment gateways ensures that your personal and important information is not leaked anywhere. Therefore, it protects you from the dangers of any fraud.

Easy Process to Change The Insurer :- In addition to all the above benefits, you can easily change your insurance provider when renewing your policy online. Because information about all insurance providers is available online, it is very easy to compare car insurance online and choose the most suitable plan in terms of premium and features.

Easy Unclaimed Bonus Transfer Process :- You should always transfer your NCB or No Claim Bonus when renewing the policy. While for car insurance online renewal, it is really easier and faster than offline renewal.

A Transparent Procedure :- As with the purchase or renewal of an online car insurance policy, everything is available to the policy candidate. This simply means that nothing is hidden or that an agent, such as a car insurance policy, is not hiding anything. Therefore, the process of purchasing and renewing an online car insurance policy is transparent.

How to File a Car Insurance Claim?

It is important to understand the correct steps to make a car insurance claim as your insurer may reject your claim for a number of reasons. So make sure you understand what needs to be done when claiming a car insurance. Follow these steps to get a four wheeler insurance claim easily :

• Apply for a Claim :- Share the details of the accident with your insurer immediately after the accident. Make sure you properly document and share photographic evidence to support your case.

• Inspection :- After the claim is registered, the insurer will send an inspector to survey the claimed damages.

• Send The Car For Repair :- Once the inspection is complete, you can send the car to partner garage for repair.

• Claim Settlement :- If you have a cashless claim policy, the insurer will settle the repair bills directly with the network garage. However, if you have chosen Claims Reimbursement, you will have to pay the bill first and then claim Reimbursement.

Documents Required for Filing a Car Insurance Claim

• Copy of Police FIR
• Claim form duly signed by the policyholder
• Fitness Certificate for commercial vehicles
• Driving License
• Car Registration Certificate (RC)
• Insurance documents with the endorsement