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.
Every process comes with a list of dos and don’ts. From buying a dress to the food we eat – every single thing comes with its own set of rules and regulations. It only makes sense if we follow a list of dos and don’ts before we file a claim for the damage. Here they are:
Dos while Filing Auto/Car Insurance
A recent statistics say that Indian roads claim 16-18 lives per hour and most of these are due to car accidents. This also gives us a rough idea of the non-casualty accidents that occur every day. An insurance policy is a financial safety net for the damage and expense arising out of a grim situation like this. During such times, detailed knowledge of how to file a claim will make the claim process much easier. Make sure you have a valid license along with other documents before you file a claim. Absence of any of the important documents will render your claim invalid.
Following these dos and don’ts will help you while claiming your car insurance. Reading the policy fine print at the time of buying the insurance and also at the time of claiming it will simplify the claim process and will help you get the best of it!
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*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.
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*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.
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