Things To Know Before Purchasing Sedan Car Insurance

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The type of four-wheeler you purchase also impacts its insurance rates, especially if it's a Sedan. Being a luxurious car with great features, Sedans carry a higher car insurance premium than other car types. Thus, you must be aware of certain important things before purchasing this type of car. Read further to know more about Sedan car insurance and why you must invest in a comprehensive insurance policy for your Sedan.

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      Reasons for Purchasing a Sedan Car Insurance

      Before taking your favourite Sedan on the road, it is extremely important that you insure it with a suitable car insurance policy. Here are some reasons to invest in Sedan car insurance:

      • Compulsory by Law:

        Under the Motor Vehicles Act of 1988, having at least a third-party car insurance policy for cars is mandatory. Thus, by investing in a Sedan car insurance policy, you can comply with this legal requirement and avoid traffic fines.

      • Covers Accidental Damages:

        Not only legally, but a Sedan motor insurance policy can also financially protect you and your car in case of accidental damages. Damages arising from collisions, natural disasters, theft, fire, and accidents are all covered under a comprehensive car insurance policy for Sedans.

      • Covers Third Party Liabilities:

        With a Sedan vehicle insurance policy, you can also cover third-party liabilities arising from the insured Sedan car. These liabilities include death, bodily injury of a third person, along with third party property damages.

      • Personal Accident Cover:

        A Sedan car insurance not only covers your car from accidental damages but also the owner/driver of the insured car with the help of Personal Accident Cover. If the owner/driver of the car suffers a disability or dies in an accident, the insurer will offer compensation of up to Rs.15 Lakh under this cover.

      • Additional Covers:

        The coverage of a Sedan motor insurance policy can also be enhanced by purchasing additional covers at a nominal premium. Some popular add-ons include Zero dep cover, NCB Protect cover, Roadside Assistance cover, etc.,

      Cost of Purchasing Sedan Car Insurance Online

      Due to their looks and features and higher cost of repair, Sedans cost more than a hatchback or an SUV. Thus, their insurance price is also a little higher. Find below the cost of insuring a brand-new Sedan from Policybazaar.com:

      Premium Breakup Cost of Car Insurance (Rs.)
      Basic Own Damage Premium (1 year) 36,269
      Third Party Cover Premium (3 year) 10,640
      Zero Depreciation (Add-on) 2,862
      Final Premium (after discounts and GST) 19,784 onwards

      *The above-mentioned quote is for a brand-new Honda New City SV (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.

      Claiming Under a Sedan Car Insurance Policy

      Raising a claim under a Sedan insurance policy is very simple. All you need to do is follow the steps mentioned below:

      • Inform the insurer soon after your Sedan has met with an accident. Upon intimation, the insurer will register the claim.
      • A surveyor will be sent to assess the damages caused to the insured vehicle.
      • Once the survey is done, you will be required to submit some documents for claim verification
      • After claim verification, the insured Sedan will be sent to the network garage for repairs.
      • Once the repairs are complete, the insurer will settle your cashless claim with the garage.

      Summing it Up!

      Irrespective of your Sedan's model, buying a motor insurance policy that offers complete protection to your car is a must. There are many insurance companies that offer Sedan insurance policies under your budget. So make sure to compare car insurance plans from Policybazaar.com and choose a plan that best suits your needs.

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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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