Knowing about good cars is great.

Knowing risks involved in driving is good, whereas being able to eliminate them is great!

But, how you can manage those risks?

Here, we explain some ideas that will help you to manage risks related to driving. These ideas will make you feel like you have driving superpowers.

The reasons behind accidents in India can be many, but we can’t ignore the major reason that is the condition of roads in India. This is where you need a wheel and a prayer to survive, in case you meet with an accident on Indian roads.

According to New Car Assessment Programme (NCAP) – (an organization that conduct tests to evaluate cars on the basis of safety) Tata Nano, Alto 800, Maruti Swift, and Hyundai i10, Datsun Go –failed NCAP’s tests and were declared to have high probability of life-threatening injuries and damages, in case they meet with an accident. Let us check the details of this test below, conducted in the year 2016:

Name and model of the car	Bodyshell Integrity	Vehicle structure	Verdict	Global NCAP (Ratings)	UN Test
Tata Nano LX	Unstable	Proven Inadequate, collapsed to varying degrees (Crash Test)	High Risk of life-threatening injuries	0	Failed
Maruti Alto 800 LXI	Unstable	Proven Inadequate, collapsed to varying degrees (Crash Test)	High Risk of life-threatening injuries	0	Failed
Hyundai i10 D-LITE	Unstable	Proven Inadequate, collapsed to varying degrees (Crash Test)	High Risk of life-threatening injuries	Failed	Failed
Maruti Swift LXI	Unstable	CRASH Test faced near-fatal injuries	High Risk of life-threatening injuries	Failed	Failed
FORD Figo 1.4 DURATORQ DIESEL EXI	Stable	CRASH Test faced near-fatal injuries	Low risk of life-threatening injuries	Failed	Pass
POLO 1.2L TRENDLINE (DIESEL)	Stable	Passed	No risk in upgraded version	Passed	Passed

They crash the vehicle and rate them on the basis of damage occurred. So, if you own any one of these cars that involve the high risk of life-threatening injuries due to an accident, then you should have a good motor insurance policy with adequate personal accident insurance cover. It helps you to hedge the risks involved while driving.

Believe it or not, but a car insurance policy solves great financial problems and offers the peace of mind on account of third-party liability. Most people get confused and try to get answers for their queries, such as how much coverage is enough, which type of policy we should buy, and so on.

Now, I have put all your queries in one place.

How much coverage does a Car Insurance policy offer?

A car insurance policy offers protection against expenses incurred due to damages or loss to the vehicle because of man-made or natural calamities. Important points of coverage under a car insurance policy are listed below:

Third-Party Insurance

A third-party car insurance policy offers protection against liability due to an accident that has your vehicle’s involvement. It bears the cost of loss or damages to a third party or its property.

Personal Accident Insurance

Your car insurance policy should also offer you protection against personal accident, which means it should cover the hospitalization expenses incurred due to an accident.

Damage to Own Car

Make sure your car insurance policy covers the expenses incurred due to damage or loss of your car. It should cover the cost of servicing or replacement of one or more parts, in case of any unfortunate events.

You may also like to Read: Own Damage Car Insurance

Which Type of Car Insurance Policy We Should Buy?

There are basically two types of motor insurance policies, i.e. Third-Party Insurance Policy and Comprehensive Car Insurance Policy.

As discussed above third-party insurance policy offers coverage against expenses incurred when your vehicle is involved in an accident.

Comprehensive car insurance policy is a policy which offers protection against several types of unfortunate events. For example, it offers protection to the owner-driver of the vehicle against personal accident and damage incurred to own vehicle.

India has the third biggest car market in the world. Cars manufactured in India are more prone to damage than cars manufactured in other countries. So, it is beneficial to own a comprehensive or package policy for your car.

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