Can I Buy Car Insurance Before Buying A Car?

You usually don’t need car insurance while shopping for cars, but you will need one to get yourself financially and legally covered when you finally purchase a car. You can also do some homework to get the best motor insurance deal before purchasing a car for yourself so that you can buy the best plan for your new car.

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Do I Need Car Insurance For My Car?

Yes, a four-wheeler insurance policy is a mandatory requirement for every car owner, per Indian motor laws. If you drive without valid car insurance in India, you may have to pay heavy traffic fines for violating the traffic rule. Moreover, in case your car meets with an unforeseen accident, you will also not get any coverage from the insurance company which may be very heavy on your pocket. Thus, you do need four-wheeler insurance before you start driving on Indian roads.

When do I Need to buy Car Insurance?

You need a car insurance policy before you purchase a new car or before taking your car on the road for a drive. For having a valid four-wheeler insurance policy, you will need the details of your car after which you can purchase an insurance policy for your car.

The best part about buying car insurance is you can still shop for a car policy without having your car number. Simply select the details of your car and purchase a plan online.

Should I Have a Car Insurance Before Buying a Car?

You don’t need car insurance when you are simply shopping around for a car. But you should have your car insurance documents ready when you take possession of a car. The type of coverage and its premium depends on various factors like your car’s model, variant, location, purchase year, etc. Mostly two types of coverage third-party insurance and comprehensive car insurance are offered by insurance companies.

Thus, you should have a car insurance policy to securely cover your car against any unforeseen damages on the road and also to legally ply on Indian roads.

How to Get Car Insurance Before Buying a Car?

Just like you look out for multiple options before purchasing a car, you can also compare multiple car insurance quotes before purchasing the right one for your four-wheeler. For this, you will need a laptop/mobile and a basic internet connection. Here is how you can buy car insurance before buying a car:

  • Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
  • From the ‘Insurance Products’ dropdown, select the ‘Car Insurance’ page
  • On the given form select option ‘Brand New Car’ or ‘Proceed without a car number’
  • Once you have proceeded with any of the above options, you will need to select your car details from the list
  • Select your car’s model, variant, fuel type, RTO and registration year
  • Based on the details entered, you will now see car insurance plans from multiple car insurance companies
  • From here you can compare car insurance and add on covers that you want for your new car
  • Now select the plan and add any additional cover that you want to purchase
  • You will now be required to pay the premium amount via desired online payment mode
  • Once you have paid the premium amount, your new car insurance policy will be issued. You will receive your policy documents at your email address.

Wrapping Up!

All in all, you will have to buy car insurance before you take the final delivery of your car. As per the motor laws, you cannot drive a car on Indian roads if you don't have insurance. Thus, even if have yet not been allotted a car number, you can purchase a four-wheeler insurance plan of your choice to protect yourself and your vehicle from unanticipated road emergencies.

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