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Motor Insurance
Car Insurance Protection That Moves With You
Coverage Highlights
Get comprehensive coverage for your CarComprehensive Protection
Your car is more than just transport—it’s part of your daily life. Our comprehensive motor insurance covers accidents, theft, natural disasters, and third-party liabilities, keeping you protected on every journey.
Drive Legal, Stay Safe
Avoid fines and legal issues—Third-Party Insurance is mandatory under the Motor Vehicles Act, covering damages to others on the road. Premiums start from ₹2,094.*
Add-On Covers
Boost your policy with add-ons like zero depreciation, roadside assistance, engine protection, and consumables cover for extra security and lower expenses.
Instant Claim Settlement
Register and settle car insurance claims in minutes via our Caringly Yours app—straight from the accident spot.
Cashless Garages
Access 7,200+ network garages for smooth repairs.
24x7 Spot Assistance
Round-the-clock support to keep you moving—help is just a call away.
Inclusions
What’s covered?Third-Party Liability – Bodily Injury & Death (Unlimited Cover)
If your car causes an accident leading to injury or death, we cover the exact compensation as determined by the court.
Third-Party Liability – Property Damage (Up to ₹ 7.5 Lakh)
Covers damages to third-party property caused by your car, up to the sum insured limit.
Own Damage Cover
Protects your car against accidental damage, fire, theft, and natural disasters like floods or earthquakes, ensuring financial relief for repairs or replacement.
Natural & Man-Made Disasters
Covers damages caused by floods, cyclones, earthquakes, riots, or vandalism.
Theft Protection
Compensates for vehicle loss due to theft, based on the insured declared value (IDV).
In Transit Damage Cover
Pays for repairs if your car is damaged during transportation.
Personal Accident Cover
Provides financial security in case of death or disability due to a car accident. Sum insured starts from ₹ 15 lakh.
Add-On Covers
Enhance your policy with add-ons like zero depreciation, roadside assistance, and engine protection for extra peace of mind.
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your car meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Use of Private Vehicles for Commercial Purposes
If a private vehicle is used for business or commercial activities and gets damaged, the claim may be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys, including lock replacement if required
Car insurance is a protective cover that helps you manage expenses from accidents, theft, fire, or natural disasters involving your car. In India, third-party car insurance is mandatory by law and covers damage caused to other people or their property.
Bajaj Allianz General Insurance Company offers a range of car insurance plans online—third-party, own-damage, and comprehensive policies. A comprehensive policy covers both your own vehicle damage and third-party liabilities, along with personal accident cover and optional add-ons like zero depreciation, engine protection, and 24x7 roadside assistance.
With Bajaj Allianz General Insurance Company, enjoy affordable premiums, over 7,200+ cashless garages, instant online policy issuance, and a high 98%+ claim settlement ratio. Choosing the right car insurance plan becomes easy with digital tools like the premium calculator and policy comparison features on our website. Always review the policy details, inclusions, exclusions, and terms carefully before purchasing.
Owning a car is one thing, but protecting it is another. Roads are unpredictable—accidents, negligence, or bad luck can lead to costly damages. From minor dents to major accidents or natural disasters, your car faces risks daily. Car insurance helps cover these expenses, making it essential for every owner.
- Covers Own Damage
Cars can be damaged due to accidents or natural disasters. Insurance helps cover repair costs, reducing your financial burden.
- Third-Party Liabilities
If your car causes damage to someone’s property or injures a third party, you are legally responsible for compensation. Car insurance takes care of these costs.
- Personal Accident Cover
Car insurance provides financial support in case of injuries, disability, or even death due to an accident. It also covers passengers for accidental death or disability.
- Legal Requirement
As per the Motor Vehicles Act, third-party car insurance is mandatory in India. Driving without it is an offence and can lead to penalties.
- Enhanced Protection with Add-Ons
You can boost your policy with add-ons like engine protection, breakdown assistance, and zero depreciation cover for extra security.
- Easy Online Process
Digital policies offer paperless applications, quick claim settlements, and instant support, making car insurance more convenient than ever.
Car Insurance
Third Party Insurance
There have been quite misconceptions around personal accident cover being mandatory. So, let us shed some light on this.
According to the Motor Vehicles Act of 1988, car owners and drivers are mandatorily required to have third-party liability insurance as a minimum car insurance policy. Like you know, this covers expenses on 3rd party lives and property damages because of an involvement in an accident.
However, what also needed attention was the losses car owners or drivers incurred because of the accident. From car damages to bodily harms of drivers, the expenses were significantly high for them as well. To decrease the financial burden for car owners and drivers, it was made mandatory for owners to have personal accident cover as well. From January 2019, the Motor Vehicles Act made it compulsory for car owners to include personal accident cover in their policy.
There are two major changes implied -
- A waiver that can be offered to car owners/drivers when they have personal accident cover in their policy with a minimum insured amount of Rs.15lacs
- The vehicle owner/driver having this personal accident cover in their policy for an existing vehicle does not have to buy a fresh insurance policy for a new vehicle Regardless of which car insurance policy you choose, you can include personal accident cover in your policy seamlessly.
Also read: Driver/Passenger Cover Under Car Insurance
Comparing car insurance online quotes is not a tedious task anymore. Comparison of the policy quotes is an integral step to avail the best insurance policy for your car. It enables you to avail an effective insurance premium and have the best coverage against adversities.
To avail of the insurance quotes online you will have to provide important details related to the car. It primarily includes the make and model of the car, manufacture year, variant, fuel type, etc. You can also include add-on riders to the base plan and make it more enhanced.
Also read: Car Insurance Comparison
Compare Car Insurance Plans Made For You
Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive-Cover |
Comprehensive Cover with Add-ons |
---|---|---|---|---|
Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
Accidents & Collisions | No | Yes | Yes | Yes |
Natural or Man-Made Disasters | No | Yes | Yes | Yes |
Fire Damage | No | Yes | Yes | Yes |
Theft | No | Yes | Yes | Yes |
Compulsory Personal Accident Cover | Yes | Yes | Yes | Yes |
Add-on: No Claim Bonus | No | No | No | Yes |
Add-on: Zero Depreciation Cover | No | No | No | Yes |
Add-on: Lock & Key Replacement | No | No | No | Yes |
Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
Add-on: Consumables Cover | No | No | No | Yes |
Additional Add-Ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
As imperative as it is to buy car insurance, it is even more important to renew car insurance timely. The vehicle insurance policy should be active as it financially protects from any adversity. Now, let us understand what happens if the insurance policy gets expired:
- Financial Liability: If the car incurs any loss or damage after the car insurance policy lapses, the individual will end up paying from their pocket.
- Not Abiding by Laws: In India, third-party motor insurance is a mandate. If found driving the car without a valid insurance policy, it could lead to legal or financial implications. Driving a car without insurance implies not abiding by the laws and makes you liable to pay a hefty penalty and sometimes also leading to imprisonment.
- Loss of No Claim Bonus: No Claim Bonus is a reward given to the insured as a reduction on the insurance premium for every claim-free year. The accumulated NCB that is earned from the vehicle insurance over the years will get nullified if the policy is not renewed timely. The period for the same may vary from insurer to insurer.
Car Type | Ideal Car Insurance Cover |
Old Car (> 5 Years) | Third-party Cover + Comprehensive Cover* |
Pre-owned Car | Third-party Cover + Comprehensive Cover* |
Car Prone To Frequent Floods | Comprehensive Cover + Engine Protector Add-on+ Third-party Cover* |
Car Used For Long Distance Driving | Comprehensive Cover + 24X7 Spot Assistance Add-on + Third-party Cover + Other Add Ons* |
Luxury Car | Comprehensive Cover + Add-ons (Depreciation Shield + Engine Protector + Consumables Expenses) + Third-party Cover + Other Add Ons* |
New Car | Comprehensive Cover + Depreciation Shield Add-on '+ Third-party Cover + Other Add Ons* |
Listed below are some easy tips that may help you to reduce or save on the car insurance premium:
Driving safely and responsibly is extremely important. Do not over-speed your vehicle as doing so may lead to accidents. It's better to have a good driving track record as insurance companies offer a lower insurance premium to the ones with a clean record as compared to those with a history of traffic offences.
Undoubtedly, including the add-on riders enhances the overall security of the plan. However, it is recommended to only choose the add-ons that are required and are going to be advantageous in the long run. Hence, be selective and pick the add-ons that are going to be beneficial.
In case no claims were made in the recent 4-5 years or you paid for the damages from your pocket, you may look at increasing the voluntary deductible. Increasing the voluntary deductible helps to decrease the insurance premium for the four-wheeler
When it comes to buying an insurance policy, a premium plays an extremely crucial role. The insurance premium is dependent on various factors. A car insurance calculator is an online tool that helps to determine the vehicle insurance premium. Knowing the premium amount helps to make an informed decision. With the help of the calculator insurance buying decision makes it easier, simpler, and quicker.
Steps To Calculate Car Insurance Premium Online
With our quick and simple car insurance premium calculator, you can get car insurance quotes online in seconds. To know your premium amount, just follow the steps below.
Step 1
Head to our car insurance calculator
Step 2
Enter your name & provide additional details like your existing Bajaj Allianz policy and your contact details
Step 3
Provide the registration number of your car or specify it’s a new car if your car is yet to roll out. Specify details of your car’s make, model and variant
Step 4
Mention the geographical location of your car’s registration and specify the date of registration. Mention your pin code
Step 5
Your premium would reach your email address instantly
Let us understand the important factors that help to calculate the insurance premium of the car:
Insured Declared Value: The present value of the four-wheeler is referred to as the Insured Declared Value (IDV). It is the highest sum for which the policyholder can raise a claim. It simply implies that the higher the value of the car, the higher would be the IDV and likewise.
Car’s Age | Depreciation % |
< 6 Months | 0 |
6 Months – 1 Year | 5% |
1 – 2 Years | 10% |
2 – 3 Years | 15% |
3 – 4 Years | 25% |
4 – 5 Years | 35% |
5 – 10 Years | 40% |
> 10 Years | 50% |
No Claims Bonus: A No Claims Bonus is also known as an NCB. This is offered by your insurance company as a reward for not availing claim for a specific period of time (Minimum 1 year). Depending on your insurer, this duration varies depending on number of consecutive claim free years. This bonus only increases with the increase in the number of years you haven’t claimed any insurance. And this bonus can fetch you discounts on your four wheeler insurance premium, thereby decreasing the price you pay every year.
For instance, if you don’t claim insurance for two consecutive years, you are likely to get a discount of up to 25% on your insurance premium. To get an extensive idea about No Claims Bonus in Car Insurance, check out the table below
Voluntary Excess: Voluntary excess is when you step forward to pay extra for your car insurance to share a portion of your car’s risks. In voluntary excess, you voluntarily pay excess to your car insurance policy so that when you have to make a claim, this amount is deducted by your insurer and the remaining amount of your claim is taken care of by your insurance company. This is otherwise called deductibles in Motor Insurance. For instance, let’s assume you buy car insurance online. When buying you have paid a voluntary excess of ₹ 4500. Now when the value of your claims is ₹. 9000. Your insurance company will bear the half of the value and you the other half. The benefit of availing a voluntary excess is it allows you to get discounts on your car premiums. So, depending on this, your four wheeler insurance premium would be higher or lower. Depending on how much you have paid as an excess voluntarily, you are eligible for a specific discount slab.
The table below gives you a holistic view of this
Voluntary Excess | Discount |
₹ 2,500 | 20% discount on premium (up to ₹ 750) |
₹ 5,000 | 25% discount on premium (up to ₹ 1,500) |
₹ 7,500 | 30% discount on premium (up to ₹ 2,000) |
₹ 15,000 | 35% discount on premium (up to ₹ 2,500) |
Once your car insurance is active, you can claim compensation for accident-related damages. A motor insurance claim requests your insurer to cover costs based on your policy’s terms. For third-party insurance, claims involve your insurer handling settlements for damages caused to others.
There are two types of claims: cashless and reimbursement. Let’s explore both and their procedures.
Availing cashless insurance claims is easy. Simply follow the steps mentioned below:
- Call your insurance provider or visit your provider’s website or an app to register your cashless claim.
- Receive the claims registration number that is sent to you on successful registration.
- Move your damaged car to an authorized cashless garage shed to initiate the repairs. For a cashless garage, you can take your vehicle only to network garages as transactions between your insurance provider and the garage happen directly.
- Submit the required documents to your surveyor.
- Once surveyed, your insurance company confirms the liability.
Also read: Cashless Car Claim Settlement
In this, you have to shell out money from your wallet to recover the damages to your car. Your insurance company then intervenes and reimburses the expenses you incurred in the process after successful verification of documents and coverages.
Here’s how you can avail reimbursement claims:
- Call your insurance provider or visit your provider’s website or an app to register your reimbursement claim.
- Receive the claims registration number which is sent to you on successful registration.
- Move your damaged car to a garage near you. In this case, it is not mandatory to get your car serviced from a network authorized garage.
- Submit the required documents to your surveyor.
- Once surveyed, your insurance company confirms the liability and initiates the reimbursement procedure.
- Car Insurance OTS Claims
- This is the latest offering that has been made seamless because of tech intervention. OTS stands for On-The-Spot and like the name suggests, this allows you to make spot claims of your insurance.
Also read: How to file car insurance claim using the Motor OTS feature
If you are planning to buy new car insurance, then it’s important to make an informed decision. Let us now look at understanding the key reasons for buying Package car insurance
As per the Motor Vehicles Act, it is a mandate for all vehicle owners to have third-party insurance in place. Anyone found going against the law is liable for legal implications and penalties. Hence, ensure to have a suitable insurance policy that complies with the law.
A package insurance plan is ideal as it offers protection against any third-party liability. It offers protection to the policyholder as well. The insured remains covered for any incurred loss or damage due to natural calamities such as earthquakes, etc. Moreover, it also covers man-made calamities like theft, and so forth.
Comprehensive insurance plan is helpful if the insured car incurs any damage or dent in an adverse situation. At times, the repairing or replacement costs could be heavy and could put you under financial strain. Having an optimum vehicle insurance cover keeps you protected in the long run. Before you zero down on a plan, you may consider comparing various car insurance prices.
The comprehensive plan offers a ‘No Claim Bonus in Car Insurance’. Under it, the policyholder gets some monetary relaxation during the renewal of car insurance for every claim-free year. Besides, the No Claim Bonus coming into the picture makes the insurance premium more lucrative for the policyholder.
Also Read: Reasons Why You Should Choose A Comprehensive Car Insurance Plan
The internet is all about experiencing convenience. The technological advancements in recent times have allowed mankind to operate vehicles from remote places and send rovers to distant planets. Buying car insurance online is not a big deal. It’s easy, user friendly and allows you to avail one in minutes.
If you have been apprehensive about buying a car insurance online, let us remind you that buying online is one of the simplest and quickest ways to insure your car or 4 wheeler. To help you get a better idea of how convenient it is. Here are some benefits of buying car insurance online.
Deciding on a car insurance policy is as difficult as deciding on a car or four wheeler. From one showroom to another, you walk around for the best price, offers, specifications, preferred colour, deals and more and finally zero-in on one. Buying four wheeler insurance is similar to this.
You explore multiple options – from the basics to comprehensive car insurance policies with add-ons – you extensively check out plans, calculate premiums, look for discounts and more before deciding on one.
But this complexity in finding a car insurance policy is simplified by the internet as it allows you to compare car insurance policies simultaneously under your preferred parameters and instantly get an idea of which policy makes more sense and affordable. This way, you avoid going from one provider to another in search of savings and benefits.
Though an agent can offer you the details, there could be times they are biased as well. So, a computer-generated quote with no agenda is what you need. This makes buying car insurance online an ideal choice.
Like we saw, a four wheeler insurance policy is very subjective and depends on a lot of factors. From generic ones like your car manufacturer and modifications to personal decisions like options for specific add-ons and discounts, you need to tailor your insurance policy.
And buying car insurance online is the simplest way to get an insurance policy. By simply checking on boxes and features, you can customize your insurance policy, modify add-ons and requirements, generate quotes and checkout to buy your insurance policy online
As far as buying car insurance online is concerned, what you see is what you get. All charges are marked on your quotes and there are no last-minute hidden charges that suddenly pop out of nowhere. You always know how much you would pay and the benefits you get for what you pay before you buy a car insurance. Besides, reading through the terms and conditions are also simple and there are several audio-visual elements to explain complex insurance-related concepts.
Imagine you are on your way home in a cab and your car is about to arrive the next day. You immediately pull out your app or a website on your smartphone and get car insurance in a few minutes before you reach home. Buying a car insurance online is as convenient as it gets because regardless of where you are, you can get car insurance almost instantly.
Like we mentioned, you won’t be subjected to an agent’s bias when buying a car insurance online and regret later. With online facilities, you directly interact with your service provider and every little detail you need to know to buy insurance is provided to you. You can make informed decisions without an agent and walk away with an insurance policy that only works in your favour.
One of the best benefits of buying car insurance online is that you can validate your insurer’s credibility. You can explore your insurance provider’s website and review portals to look for their settlements ratio and records and see in detail how they assist their customers when it comes to claims and support. Depending on reviews and records, you can make a wise choice of going ahead with them or checking out more options.
Online policies are as legitimate as traditionally-purchased policies. When you buy car insurance online, your copies are immediately sent to your email address you specify and become valid the moment you make your payment. You can then take a print out of your paper and document them for use. With online insurance, there is no need to feel paranoid at all.
Once you make your payment, all you need to do is head to your email inbox. You would see your car insurance policy waiting right there for you. You can check for the details and print them out for use. No hassles. No interruptions. Buying car insurance online is the best.
Imagine protecting your car and your environment from risks. That’s what happens when you buy car insurance online. There is no form-filling involved, no document submission and more. You mention your details, upload documents, and the policy reaches you as a document. End of process.
Get instant access to your policy details with a single click.
Step-by-Step Guide
How To Buy
0
Download the Caringly Yours app from App stores or click "Get Quote"
1
Register or log in to your account.
2
Enter your motor details
3
You will be redirected to the motor Insurance Page.
4
Ensure to check your No Claim Discount
5
Choose Insured Declared Value (IDV) that reflects your motor value
6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
7
Select a plan from the recommended options, or customize your own plan
8
Review the premium and other coverage details
9
Proceed with the payment using your preferred method
10
Receive confirmation of your purchased policy via email and SMS
How To Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Download our Caringly Yours App on Android or iOS
1
Register or login to use Motor On the spot claim for a smooth process
2
Enter your policy and accident details (location, date, time)
3
Save and click Register to file your claim
4
Receive an SMS with your claim registration number
5
Fill in the digital claim form and submit NEFT details
6
Upload photos of damaged parts as instructed
7
Upload your RC and driving license
8
Receive an SMS with the proposed claim amount
9
Use the SMS link to agree/disagree with the claim amount
10
Agree to receive the amount in your bank account
11
Caringly Yours
Contact Us
0
For any further queries, please reach out to us
1
Toll Free : For Sales :1800-209-0144
2
Email ID: bagichelp@bajajallianz.co.in
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Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
5th May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
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Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
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1st May 2021
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I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
To purchase a car insurance policy, you typically need to provide your vehicle's registration certificate, your driving license, proof of identity and address. Some insurers may also require additional documents like a previous insurance policy if you're renewing your policy with them.
Yes, you can add multiple drivers to your car insurance policy; however, coverage for additional drivers may vary based on the insurance provider. You will need to provide the necessary details of each driver, such as their name, age, and driving history. This may affect your premium depending on the risk profile of the additional drivers.
To update your vehicle details on your car insurance policy, such as a change in registration number or modifications to the vehicle, you need to inform your insurance provider. This can usually be done online through the insurer's website or mobile app, or by contacting their customer service.
An insurance policy endorsement is a modification or addition to your existing car insurance policy. It can include changes like adding a new driver, updating your address, or including additional coverage options. Endorsements ensure that your policy accurately reflects your current needs and circumstances.
A policy lapse occurs when your car insurance policy expires due to non-renewal. To avoid a lapse, ensure you renew your policy before the expiration date. Most insurers send reminders via email or SMS. You can also set up automatic renewals or mark the renewal date on your calendar to stay alert.
In case of document loss, contact your insurance provider immediately. Most insurers offer the option to download a duplicate copy from their website or mobile app. You may also request a physical copy to be mailed to you.
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Investing in a comprehensive car insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive car insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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