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.

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Stats About Ahmedabad Traffic

• At least 10 people lost their lives every week to accidents in Ahmedabad in 2022-23.
• In 2023, the city witnessed 870 fatalities due to road accidents.
• Ahmedabad's traffic congestion index is 20.79 in the last 30 days.
• The city is currently at 54th in the Global Traffic Congestion Rankings.

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:

1. Third Party 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.

2. 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.

3. Standalone Own Damage 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.

Coverage Offered Under Car Insurance in Ahmedabad

Coverage offered under a car insurance policy is as follows.

Inclusions

Damages that are considered as inclusions under comprehensive car insurance are:

• 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.

Exclusions

Exclusions under a car insurance policy in Ahmedabad are:

• 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 Much Car Insurance Coverage You Need in Ahmedabad?

The type of coverage or car insurance policy you need in Ahmedabad depends on your coverage requirements and budget. If you can afford a full coverage option for your car that offers own damage and TP cover, you can opt for a comprehensive car insurance plan.

Moreover, if your car is new, it would be appropriate to go with a comprehensive plan as the cost of repairs for a new car is high.

However, if you do not wish to spend much on insurance, you can go with a third-party plan that offers third-party cover only. Also, if you have a very old car, you can go with a third-party policy only.

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:

• Don't forget to wear a seatbelt while driving a car in Ahmedabad. Not following this traffic rule can result in traffic challan in Ahmedabad.
• Don't drive under the influence of any kind of intoxicating substance. Your car insurance claim will also get rejected if you meet with an accident while driving while drunk.
• Do carry a soft copy or hard copy of all the relevant documents while driving.
• Don't use mobile phones while driving as they can cause distractions and lead to accidents.
• Don't overspend in Ahmedabad. Always stay within the speed limit and in your lane while driving.