Auto Insurance
Cover auto insurance from various plans across various companies like Digit, Bajaj Allianz, etc.
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What You Get
Personal Accident Insurance
- Low Premium High Coverage.
- Working Compensation Benefits.
- Child Education Benefits.
- Disability Benefits.
4 Wheel Insurance
- Bumper to Bumper Insurance.
- Bumper to Bumper Insurance.
- Driver Insurance.
- Passenger Insurance.
2 Wheel Insurance
- Bumper to Bumper Insurance
- Semi value Insurance.
- Driver Insurance.
- One or More Years Policy.
Third party insurance
- Compulsory Insurance (Acc. to Government Policy).
- Low Premium Insurance.
- One or More Than One Year Policy.
- Peace of Mind.
Frequently Asked Questions
Is car insurance compulsory in India?
Yes, car insurance in India is compulsory due to the increase in the number of a road accidents.
According to Motor Vehicle, Act 1998 every car owner legally requires an insurance policy while driving on an Indian road. The car owner is required to at least carry valid 3rd party car insurance.
How Does Auto Insurance Help Me?
If you have auto insurance, you won’t get into legal trouble. If you don’t have auto insurance and you met with an accident you will be in big trouble. You will have to pay a hefty fine on top of legal troubles. Also, without insurance, if you are at fault, you have to pay the expenses of another person’s car.
What Is an Auto Insurance Premium?
It is an amount that you pay yearly/monthly to keep your insurance active.
Will I have to buy insurance if my var is electric or CNG?
Yes, Owners of both electric and CNG Fitted car compulsory requires valid car insurance. The premium charge of both electric vehicles and CNG can be slightly higher.
How many types of auto insurance are there?
There are mainly 8 types of auto insurance. They are
- Personal Injury Protection (PIP)- it covers your medical expenses. It only pays for healthcare up to the policy limits.
- Bodily Injury Liability Coverage (BI)- when you cause an accident it pays the medical expenses of another person when they suffer injury.
- Property Damage Liability Coverage (PD) – it pays the damage you cause to other people’s property.
- Medical Payments (MedPay) – it covers medical expenses, lost wages, and funeral costs.
- Collision- it covers damage to your car during the collision
- Comprehensive – it covers when your car’s damage is done by non-collision activity (vandalism, theft)
- Uninsured and Underinsured Motorist (UM/UIM) – it protects you during an accident when a driver is at fault who doesn’t have enough insurance.
- Gap Insurance – when your car is stolen or loosed the company it pays the difference between what your car’s worth is and what your insurance company will pay you.
What are the factors that affect car insurance premiums?
Many factors’ effects car insurance. Knowing car insurance will help you to save the cost of the car insurance at the time of purchase or renewal. Factors are
- Car registration location
- Manufacturer and variant type
- Policy type
- Safety/anti-theft security in cars
- Add-on covers
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