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Dec 26, 2023

Buy & Renew Car Insurance Online In Surat

Brimming with people, trade and vehicles, Surat is the beating heart of the state of Gujarat in India. As an essential centre of the textile industry and other trades, Surat experiences a constant hustle-bustle of vehicles. Amidst the city chaos, it is extremely crucial to secure your vehicle against different kinds of risks. This is where buying car insurance in Surat comes into view. Whether you live in Surat or elsewhere in India, it is legally mandatory to buy third-party car insurance as per prevalent laws. This type of car insurance provides financial support if your car gets involved in an accident and causes injury to a third party or damages their property. And with the digital landscape broadening across India, it is now possible to buy and renew car insurance in Surat digitally.* Claims are subject to terms and conditions set forth under motor insurance policy. Let’s look at how car insurance can help car owners in Surat, and how to claim it when the need arises.

How Car Insurance Can Help Car Owners in Surat

While having car insurance helps you fulfil a legal mandate, there are many other ways in which it can help you and other car owners, such as:

Financial protection against damages to own car *

Third-party car insurance helps with third-party liabilities. But if you want protection for your own car too, you should opt for a comprehensive car insurance plan. Suppose your car were to get involved in an accident. The third-party aspect of the car insurance plan helps with others your car may have hurt. However, the comprehensive aspect of the plan takes care of the damages that your car may have incurred. This helps you save on repair costs to a great extent. Moreover, along with damages to the car due to accidents, a comprehensive motor insurance plan also covers damages due to other events.

Protection from fire*

Surat faces a considerable number of fires, perhaps due to the industrial and commercial nature of the city. For instance, in 2019 alone, the city witnessed over 4,000 fire incidents. As a preventive measure against the financial consequences of these fires, you should buy a comprehensive car insurance policy that covers fire and related events extensively.

Protection against flooding and other natural disasters*

Due to its geographical location, Surat faces an inherent risk of flooding. With the Tapi River positioned nearby along with several creeks, floods can, and often become, a risky event, especially during the monsoons. While one may not be able to prevent these natural disasters, what one can do is control the financial losses they can make. By opting for a comprehensive car insurance plan, you can ensure your car gets the repairs and care it needs if flooding or any such eventuality ever hits your neighbourhood in Surat.

Protection against theft*

The risk of vehicle theft is also ever-present in a bustling and urban city like Surat. If your car is stolen, you can file a case with the local police authorities. However, if the car is not traced, you suffer a potential financial loss. In some cases, the car may be recovered, but it may have suffered considerable damages at the hands of the thieves. To combat the finances involved in these unfortunate events, you should have a comprehensive car insurance policy. It offers financial support in the case of theft of the insured car or damages due to such an event.

Peace of mind

With extensive car insurance coverage comes peace of mind. You can rest easy knowing that if an unforeseen event damages your car, you have a solid car insurance plan to take care of the expenses. Claims are subject to terms and conditions set forth under motor insurance policy.

How to Claim Car Insurance in Surat?

To raise a claim on car insurance in Surat, you need to follow a simple procedure. Car insurance claims can be of two types; let’s briefly look at the procedure for both.

Cashless claims*

Here, the payment is handled directly by the insurer. The process is as follows:
  1. Inform your insurer and register the claim.
  2. Note the claim registration number.
  3. Move the damaged car to the nearest cashless garage for repairs.
  4. Share the required documents with the surveyor.
  5. Once the situation is surveyed, the insurer shall confirm the liability and handle the payment with the network garage.

Reimbursement claims*

Here, the policyholder pays the bills and is then reimbursed by the insurer. The claim process is the same as for cashless repairs. The only difference is that the repair can be done at any garage, with the costs borne by you. Later, you must claim for reimbursement. Claims are subject to terms and conditions set forth under motor insurance policy. The claim process can vary, depending on the insurer. The same goes for the premium of the plan. However, you can use tools such as the car insurance calculator to get an estimate of the premium.   * Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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