Here is a step by step guide for you; it will be helpful for you in order to make an informed and wise choice. Consider the points mentioned below in order to select the best insurance policy for your car.
1. Compare the key feature provided by the insurance coverage
Draw a comparison of your shortlisted motor insurance policies to analyze if they all are providing the same kind of insurance cover. Your insurance plan should include all the key inclusions in terms of a car (such as own damage cover) and provide you with coverage against a personal accident as well as for the injuries succumbed by a thirdparty.
2. Review Add-on Riders as the Part of the Car Insurance Policy
It is always recommended to pay adequate attention to all the add-on riders so that you can pick out the ones that you want as the additional benefits. For your convenience, we have listed below a few crucial motor Insurance riders.
Engine Cover – It provides an extra layer of protection by safeguarding you against additional expense incurred due to car engine damage.
Third-Party Liability Coverage – Third-party Liability coverage ensures the protection of the car owner against any financial liability that could be because of any bodily injury, death, and damage repair cost of a third-party motor.
Roadside Assistance Cover – In case you are stranded because of the engine failure or any accident or if your car’s tire is punctured, you are provided with the option of availing roadside assistance. It will enable you to call your insurer and make a request to send a car mechanic at your location.
Zero Depreciation Cover – When you make a selection to add zero depreciation cover to your car insurance policy, the depreciation on substituted car parts is waived off by your insurance company. It signifies that you are eligible for getting a higher amount of claim.
Personal Accidental Cover – Personal accidental coverage ensures the financial protection to the vehicle owner against unexpected and unfortunate events that might induce physical trauma, or cause the accidental death, or the person might end up being a totally disabled permanently because of a road accident.
3. Consider Reviews of the Car Insurers
Make sure you ask your extended family members and friends regarding their experiences with any specific motor insurance company. The feedback coming directly from your near and dear ones may provide you better insights about how its customer support and claim procedure work. It will help you to make an informed choice.
4. Compare Insurance Premium Online
The Internet is flooded with so-called great deals. Don’t fall for them; they could be nothing but a trap. You can come across a decent deal online when you take some time out of your hectic schedule and search across the Internet.
While comparing car insurance plans online, keep the following points in your mind:
Compare various insurance plans offered by the different insurance providers.
Ensure that the comparison site computes the premium on the fixed IDV (Insured Declared Value).
Compare the insurance premium on at least 3 online insurance comparison sites.
5. Negotiation is the Key
When it comes to buying motor insurance, negotiate with your existing insurance provider.You never knowyou might end up getting an additional advantage if you have been a responsible driver and have not made way too many claims or filed too many accidents.
6. Safeguard Your NCB
If you are a responsible driver, and you haven’t filed any claim, then you get the advantage of No Claim Bonus (NCB). If you don’t register any insurance claim for a year, then your car insurer rewards you with No Claim Bonus. This is the discount that is subtracted from your insurance premium during policy renewal. As an option, you can go for NCB.
7. Checkout the CSR
Before you finalize a car insurer, last but not the least, consider the insurer’s previous record of claim settlement. Claim Settlement Ratio is the time taken by an insurer to settle down the claimsfromits clients. Proceed only when it is good. Don’t even think of buying car insurance policy if the CSR is not good. You can easily find the Claim Settlement Ratio of various insurers on the website of IRDA of India.
It is good to look above and beyond the motor insurance premium when you are finalizing the best car insurance plan for your automobile.
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Owning a car is the ultimate dream for many. Choosing the car dealer, comparing the car features, meticulously selecting the colour from the colour brochure, haggling the best deal from the dealer, feeling a sense of accomplishment when the car dealer reluctantly agrees to include seat covers in the price you offer — all this is part and parcel of the car-buying experience. Naturally, seeing the car parked outside your house will stir up intense pride and joy in you. But, when we put in so much efforts in buying a car, shouldn’t we also think about protecting this car? Getting car insurance is a step in this direction as it safeguards a car against unforeseen circumstances. By law, auto insurance is mandatory for all motor vehicles in India. To protect your precious possession, getting the best insurance policy according to your needs and the car’s requirements should be the utmost priority. Whether it’s a used car or a new one, a car insurance policy is a must. It saves money in the long run, which otherwise would be spent out of your pocket. We have some tips that can make the process of claiming auto insurance easier and hassle-free. A car insurance plan can cover you against expenses that occur due to various unintended damages. A few car insurance providers in India are HDFC Ergo, Tata AIG car insurance, Bajaj Allianz car insurance etc
Buying insurance policy is one of the smart financial moves that you can make especially with these days uncertain economic state. If you want your family to have a secure financial status even after you die, taking up life insurance policy proves to offer a number of benefits. The problem, however, is that many policy holders are under insured which puts their loved ones in a risk. In other cases, there are many who are over-insured resulting to them paying too much for the coverage of their policy more than what they need to. What is essential when it comes to purchasing life insurance policies is learning how to find the correct balance. Although it can be confusing and difficult to do so, consulting an insurance expert can help you learn about the most important details. One can say that life insurance is the economic value of his life. When you grow older, it is also the time that you realize the significance of income. You’ll learn to look at things in new perspective and understand that while you are strong and healthy, you have to work your best so you can provide the necessities and comforts of life your family needs. But there are also times when you won’t be able to do so. It is either you get sick, because of old age or perhaps premature death. Life insurance is one of the guaranteed solutions you can have in securing your dependents financial security. It offers the most efficient economic method in order for families and other dependents of the policy holder to be financially stable even after the holder’s death. However, life insurance just other investment and financial plans has to be completed over a required period of time. Here three of the best services which life insurance can provide making it indispensable for families of this generation: Family Protection Life insurance can greatly help in solving the family’s problems, especially in time of a man’s premature death. With the definite amount of income they can get from a life insurance policy, they can have a fresh start without any debt even after the death of a breadwinner. Income after Retirement After years and years of working yourself, of course you would want to enjoy your old age in a way that you will not have to worry about financial problems. Having life insurance is way that these problems can be solved as it enables you to create a definite source of income even at old age. A Form of Savings Life insurance can act not only as family protection for financial problems or as a source of income after old age. It can also act as savings for future use. It is a very effective method of accumulating funds that can be used in case of illnesses, accidents and injuries. With these three, it is evident how life insurance policies can help very well in ensuring financial security. Through this, there is way that you can ensure your dependents can lead a quality life away from debts even when you’re gone.