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Manual V/S Automatic Car Insurance
Aug 17, 2022

Manual V/S Automatic Car Insurance – How Does The Gearbox Type Influence Four Wheeler Insurance?

Buying a car involves considering several factors, one of which is the type of transmission or gearbox — an automatic transmission or a manual transmission. Most cars available in the market come in both variants, so that a buyer can buy one based on their preference. Some drivers prefer the manual gearbox as it provides a more engaging driving experience, whereas the automatic transmission is popular for clutch-free driving, especially in urban regions, with bumper-to-bumper traffic. No matter what your preference is for the type of gearbox, you must remember to insure your vehicle using a car insurance policy. When you buy car insurance online or offline, you are on the right side of the law complying with the Motor Vehicles Act. In addition, you can avail coverage for repairs that may be required for your car with the mandatory third-party cover for liabilities. Before we understand how different gearboxes impact the premium, it is essential to know the difference between a manual and an automatic transmission. Manual transmission cars A manual transmission is where you, the driver, need to manually shift gears to set the vehicle in motion. If you are a driver who is looking to enjoy driving the car and being more in control of it, a manual gearbox is the right fit. Automatic transmission car Some drivers may find it challenging to coordinate between the accelerator, break and the clutch simultaneously when driving a manual transmission. An automatic gearbox does not require you to manually control the gears on the car. Instead, all of it is managed by an on-board ECU or Electronic Control Unit. This device intelligently changes the gears, helping you have a hassle-free ride even when the traffic conditions are jam-packed. How does the type of gearbox impact car insurance prices? The pricing of your policy is based on several factors which includes engine capacity, model and make of the car, year of registration, location of registration, type of fuel and even includes the type of gearbox. Since an automatic gearbox involves more complicated technology, any repairs or replacement of its components will cost higher. On the other hand, the manual gearbox is simple and straightforward with mechanical rotors that are shifted by the driver. Hence, the car insurance prices for a car with automatic transmission is higher. However, you need to remember that the difference in the premiums is marginal as other things remain the same when comparing two cars with similar specifications. * Standard T&C Apply When buying different plans among insurance companies, a car insurance calculator is a nifty tool that helps compare the available policies. In addition, this tool can also help when you choose add-ons in your insurance cover helping you understand how it impacts the overall policy premium. Since it is a free tool available on most insurer’s websites, you can take full advantage to know how much it will cost to buy your desired car insurance policy with all necessary add-ons. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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