All You Need To Know About Hatchback Car Insurance

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Investing in a hatchback can be a great option if you are looking for an affordable car for a small family or yourself. Some popular hatchback cars include the Hyundai i20, Maruti Suzuki Baleno, Tata Tiago and many more. However, before purchasing a hatchback, it is also essential to insure it with a comprehensive car insurance policy. Read the article to learn more about Hatchback car insurance.

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#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

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      Reasons for Buying Hatchback Car Insurance

      Buying motor insurance for your hatchback is not only mandatory but also comes with multiple features. Here is why you should buy a comprehensive car policy for your hatchback car:

      1. Third-Party Liability Cover

        A comprehensive Hatchback motor insurance policy provides wider coverage to your car. It covers any legal liabilities that your car may cause towards third parties. These liabilities include third-party property damage and death or bodily injury to the third party. 

      2. Own Damage Cover

        With a package car insurance policy for a hatchback, you can also get own damage cover in case your car meets with an unforeseen incident. Damages arising out of events like theft, fire, road accidents, natural calamity, and manmade acts are covered under this policy. Moreover, you can also benefit from cashless claims under your car insurance.

      3. Multiple Add-Ons

        Add-ons are riders you can purchase with your Hatchback car insurance policy to further enhance its coverage. These add-ons come with a nominal premium and offer advanced features to your motor insurance policy.
        Some popular and must-have add-ons include zero depreciation cover, roadside assistance cover, engine protection cover, NCB protect, etc. You can also compare the cost of these add-ons on Policybazaar.com and choose the one that suits your budget. 

      4. Fulfills Legal Obligations

        One of the most essential reasons for purchasing a motor insurance policy for your Hatchback is complying with the motor laws of India. As per the Indian Motor Act of 1988, purchasing vehicle insurance is a mandatory step to driving on the roads of India.
        If you do not have a valid motor insurance policy, you will be charged heavy fines for traffic rule violations. Thus, make sure to buy a car policy as soon as you have purchased your dream car.

      Cost of Insuring a Hatchback Car Online

      You can insure your hatchback offline via an insurance agent or online. Both ways are safe; however, buying car insurance online is a preferred choice for many. Moreover, with online car insurance, you can also compare plans of multiple insurers before making a final purchase.

      Find the cost of insuring a brand-new hatchback car online via Policybazaar.com:

      Premium Breakup Cost of Car Insurance (Rs.)
      Basic Own Damage Premium (1 year) 1,854
      Third Party Cover Premium (3 year) 10,640
      Zero Depreciation (Add-on) 1,284
      GST@18% 2,480
      Final Premium 16,258

      *The above-mentioned quote is for a brand-new Tata Tiago XE (Manual)car registered under DL1 RTO. The prices are for a three-year TP and 1 year OD policy. All prices are on ex-showroom cost.

      Raising a Claim Under Hatchback Car Insurance

      Raising a claim under a Hatchback insurance policy is also pretty straightforward. Here are some simple steps to do the same:

      • Inform the insurance provider about the damages sustained by your four-wheeler. The insurer will send a surveyor for damage assessment. 
      • Submit the required documents, such as DL, RC, and claim form. After the damage assessment, the insured car will be sent to the network garage for repairs. 
      • After the repairs are complete, your insurer will directly settle the claim with the network garage. 
      • If it's a reimbursement claim, the insurer will reimburse the amount covered by your car policy.

      Wrapping Up!

      Being a mid-size car, hatchbacks are gaining momentum in the Indian car segment. These are not only fuel-efficient but also offer best-in-class safety features at affordable prices. However, before buying your dream hatchback, make sure to safeguard your prized possession with a comprehensive car insurance policy.

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      #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.

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