Car Insurance In Ahmedabad
The largest city in Gujarat, Ahmedabad, is full of hustle and bustle. Most of the population here owns a four-wheeler, which leads to an increase in traffic, road accidents, and theft. Therefore, it becomes imperative for every car owner to buy car insurance in Ahmedabad. A car insurance policy will cover you against third-party liabilities as well as damages sustained by your car.
-
Renew policy in 2 minutes*
-
21+ Insurers to choose
-
1.2Cr+ Vehicles Insured
- Home
- Motor Insurance
- Car Insurance
- Ahmedabad
Stats About Ahmedabad Traffic
Why Should You Buy Car Insurance in Ahmedabad?
Buying car insurance in Ahmedabad is not only compulsory per motor laws but also beneficial in many ways. Take a look:
-
Accidental Coverage
Road Accidents are the most common occurrence in Ahmedabad. If you don't have proper coverage, any repair expense arising against your car will have to be borne by you. However, with a comprehensive car insurance policy, you can get covered if your vehicle sustains damages due to road accidents.
-
Theft Coverage
Car theft is another common incident in Ahmedabad. Losing a precious asset like a car can also lead to financial losses. However, if you have a four-wheeler insurance policy for your car, you can be compensated if your car gets stolen and cannot be found.
-
Personal Accident Cover
Road accidents not only damage your car but may also lead to injury and sometimes death of the driver. Apart from causing emotional turmoil, an injury, disability, or death can also lead to financial strain on loved ones. With a Personal Accident Cover, compensation of up to Rs. 15 Lakh is offered in case of death or disability of the owner/driver of the car. This cover can be purchased with a TP or comprehensive plan at a very nominal cost.
-
Benefits of Addons
There are many damages that a standard car insurance policy does not cover. However, you can also get covered for such exclusions by purchasing additional covers or addons. For instance, your policy does not cover any depreciation caused to your car due to wear and tear. However, with a zero dep cover, you can also get compensated for the dep of your vehicle and its parts at the time of claim.
Types of Car Insurance Policies in Ahmedabad
The three major types of car insurance policies offered in Ahmedabad are:
Third-Party Car Insurance
A third-party car insurance policy compensates for any third-party liability caused by the insured four-wheeler. Third-party liabilities refer to the death or disability of a third person or property damage of a third party. This type of car insurance policy is mandatory coverage that a car owner must have to drive in India.
Standalone Own Damage Car Insurance
You can purchase standalone damage insurance in Ahmedabad if you already have an existing third-party cover. This policy can be purchased to cover own damages sustained by the insured car. Own damage policy does not offer third-party coverage but can also be purchased to include own damage coverage.
Comprehensive Car Insurance
Another type of car policy, comprehensive car insurance, provides financial coverage in case of accidental damages sustained by the insured car. Damages arising out of road accidents, theft, fire, calamities, and third-party liabilities are covered under this policy. This car insurance is not mandatory but recommended especially for new cars due to its broader coverage.
Coverages Under Car Insurance in Ahmedabad
-
Damages to third party property, death and disability of the third party caused due to the insured car.
-
Damages sustained by the insured four-wheeler due to road accidents or collisions
-
Cyclones, hurricanes, earthquakes, etc, resulting in damages to the insured car
-
Man-made activities like strikes, riots, etc are covered.
-
Damages to the insured car while it was in transit via air, rail, water or road
-
Losses arising out of partial or total theft of the insured car
-
Losses caused due to fire, explosion or self-ignition of the insured car.
-
Damages to the insured car when the driver was not carrying a licence
-
Accidental damages arising as a result of drunk driving
-
Damages to the insured car when being driven outside the specified geographical limit
-
Damages arising as a result of civil or nuclear war
-
Claims cannot be raised for contractual liabilities of the owner or driver of the insured four-wheeler
-
Accidental damages to the insured vehicle when being used for commercial purposes
How to Buy Car Insurance Online in Ahmedabad?
Follow the steps mentioned below to buy car insurance online in Ahmedabad:
- Visit Policybazaar.com and select the “Car Insurance” tab from the homepage
- Now enter your car number in the given form
- If your car is new, you can proceed with another option
- Select your car RTO as Ahmedabad and other details like make, model, variant, registration year, etc
- Fill in the registration form and proceed
- From the given car insurance quotes, choose your desired plan
- Select addons that you wish to include to your plan
- Pay the final premium amount via the chosen payment method
- Once you have paid the premium, your car insurance policy document will be mailed to you.
Traffic Do's and Don'ts in Ahmedabad
Here are some traffic guidelines that you should follow while driving on the roads of Ahmedabad:
FAQs About Car Insurance in Ahmedabad
-
Q1. How can I reduce car insurance price in Ahmedabad?
Ans: Follow these tips to reduce the premium of your car insurance policy in Ahmedabad:
- Install an anti-theft device in your car
- Save your No Claim Bonus for an accumulated discount.
- Opt for voluntary deductibles.
- Become a member of the Automobile Association of India.
-
Q2. What documents are required to raise a car insurance claim in Ahmedabad?
Ans: The following documents are mandatory to raise a claim under car insurance in Ahmedabad:
- Car insurance claim form
- Copy of Police FIR
- Repair bills and estimates of repair
- KYC
- Vehicle registration certificate
- Fitness certificate of the car
- Car insurance policy document
-
Q3. Is it mandatory to have a car insurance policy in Ahmedabad?
Ans: To legally drive in India, all vehicles must have a valid motor insurance policy. So carry a valid car insurance policy to avoid paying hefty traffic fines.
Car Insurance Companies
Explore more plans by car model
Car Insurance Articles
- Recent Article
- Popular Articles
Is Car Insurance Worth It Despite Its High Cost?
Do you ever wonder if car insurance is worth the annual premium
Read more
How Car Insurance Renewal Impacts No Claim Bonus...
Your car insurance renewal date plays a crucial role in
Read more
Why Do Car Insurance Prices Vary Across Insurers?
In India, car insurance prices vary from one insurer to another
Read more
A Comprehensive Guide to Renew Your Car Policy...
Imagine it is 11:50 PM and your car insurance expires at midnight
Read more
What is Lease Car Insurance?
Lease car insurance is a type of motor insurance policy designed
Read more
#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
