Things to Know About Comprehensive Car Insurance

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Car insurance is a mandatory requirement for all cars plying on the roads of India. However, with diverse plans available in the market, it becomes quite overwhelming to choose the right plan. To help you make the right purchase choice, we have explained 6 essential things that you must know about a comprehensive car insurance plan.

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          Know These Important Facts About Comprehensive Car Insurance

          Below we have mentioned 6 essential things that you must know about your comprehensive insurance plan:

          1. Compare Comprehensive Car Insurance Plans Online

            When it comes to purchasing four-wheeler insurance especially comprehensive car insurance, you need to consider the prices of multiple companies before buying the right plan. One interesting thing about comprehensive car insurance plans is you can easily compare quotes from multiple insurers online as well. 

            Apart from premium, you can also compare coverage, add-ons, IDV, etc online. You can compare four-wheeler insurance plans from and choose the one that suits your requirements and budget.

          2. An All-Round Coverage

            By purchasing a comprehensive motor insurance policy, you will get all-around coverage for your four-wheeler. Comprehensive car insurance offers financial and legal protection for your car from third-party liabilities as well as any damage arising out of unforeseen incidents like road accidents, fire, theft, etc. Thus, this plan will offer your car overall protection in case of any road emergency.

          3. Extend your Coverage with Additional Covers

            Another essential thing you must know about a comprehensive car insurance plan is that you can further enhance its coverage with the help of additional covers offered by the insurer. Add-ons are optional covers that a policyholder can purchase to increase the coverage of his/her comprehensive car insurance plan. Add-ons can only be availed under a comprehensive plan and not under third-party insurance.

          4. Advantage of No Claim Bonus Reward

            No Claim Bonus or NCB is another beneficial reward given to a policyholder in case he/she does not claim a comprehensive car plan. An NCB discount can be redeemed while renewing your car insurance policy. One thing to keep in mind here is an NCB reward gets nullified in case you raise a claim during a policy year.

          5. Timely Renewals are Necessary

            Car insurance renewal play a very important role when you purchase a four-wheeler insurance policy. In case you need to remember to renew your comprehensive car insurance plan before the expiry date, you will not be able to claim damages under your policy. Thus, you must incur all the repair expenses from your pocket.

            Therefore, to avoid such complications, make sure to renew your comprehensive car insurance plan before the expiry date.

          6. Availability of Cashless Repair Facility

            If you are new to motor insurance then you must know about the cashless repair facility offered by insurance companies. Under a cashless repair service, you won’t be required to pay any repair expenses from your pocket and the insurance company will directly settle the claim with the network garage.

            One thing to note here is that a cashless repair facility is available only in the company-authorised network garage and not anywhere else. In case, you get your car repaired in any other garage, it will be considered a reimbursement claim.

          Wrapping Up!

          If you are well aware of the above-mentioned points, purchasing car insurance will always be a smooth process for you. It's quick, convenient and hassle-free if done online. Even if you are not new to the world of insurance, we would suggest you go through these pointers and always compare car insurance online before making a final purchase.

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