Driving Any of These Unsafe Cars in India? Get Car Insurance Now!!

Safety has become a major concern when it comes to driving on the roads of India. The government has made many mandatory inclusions that every car company must have in its cars. Here, we explain how driving an unsafe car is dangerous in India and how you can manage risks by purchasing car insurance.

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Unsafe Cars in India

Knowing about the best cars before purchasing one is a necessity..

While being aware of the risks involved in driving is also good, eliminating these risks is great!

But have you wondered about how you can manage those risks?

The reasons behind accidents in India can be many, but we can’t ignore the major reason which 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.

To identify cars that are unsafe during a crash, the New Car Assessment Programme (NCAP) by the Towards Zero Foundation was initiated. Under this programme, the organization crashes the vehicle and rates them based on the damage that occurred. They basically conduct tests every year to evaluate cars based on their safety.

NCAP Crash Test of Indian Cars 2023

According to the New Car Assessment Programme (NCAP), Maruti S-Presso, Swift, Ignis, WagonR and Alto K10 continue to get low ratings even this year and failed the global crash tests among others. These cars were declared to have a high probability of life-threatening injuries and damages in case they meet with an accident.

Let us check the details of the Global NCAP crash test for cars tested under the new protocol in the year 2022 and 2023:

Road accidents are uncertain and can cause damage to the car, thus it would be recommended to have a car insurance policy for your four-wheeler. It will help you to hedge the financial and legal risks involved while driving.

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

Also Read: How to Transfer Car Ownership Online? A Complete Guide

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 a road accident, theft, fire, manmade or natural calamities, etc. Below mentioned are some important coverage available under a car insurance policy

1. Third-Party Coverage

   A third-party car insurance cover offers protection against third-party liability due to an accident that has your vehicle’s involvement. It bears the cost of loss or damages to a third-party property. Third-party car insurance also covers a car owner against third-party death or injury involving the insured car. However, this policy does not cover the damages incurred by the insured car. Moreover, having a third-party motor insurance cover is also mandatory as per the Motor Vehicles Act, 1988.

2. Personal Accident Coverage

   Your car insurance policy should also offer you protection against personal accidents, which means it should cover the hospitalization expenses incurred due to an accident. It should also provide compensation in case of accidental death or disability. The amount of personal accident cover offered by car insurance policies in India has been set to Rs. 15 lahks.

3. Comprehensive Car Insurance

   Comprehensive car insurance covers the expenses incurred due to damage or loss of an insured car arising due to road accidents, theft, natural calamities, fire, etc. It also covers any accidental third party liability arising out of the insured car.

Read More: 6 Essential Things to Know About Your Comprehensive Car Insurance Plan

Which Type of Car Insurance Policy You Should Buy?

When it comes to choosing a type of car insurance policy for your four-wheeler, you must take into consideration certain factors like your budget, the coverage you want, the add-on covers, etc.

As discussed above a third-party motor insurance policy offers coverage against expenses incurred against third-party liabilities when your vehicle is involved in an accident. Since it is a mandatory cover to ply on the roads of India, you will be required to purchase the third party policy when you purchase a car. However, if you want to extend the coverage to the insured car as well, you can purchase a comprehensive car insurance policy for your four-wheeler.

A comprehensive car insurance policy offers coverage against third party liabilities along with own damages to the car. This policy is extensive and recommended as it covers a policyholder against damages sustained by the insured car. Furthermore, this motor insurance policy covers third party liabilities as well. It also offers protection to the owner-driver of the vehicle against personal accidents.

The comprehensive car insurance policy is especially ideal for expensive cars and can also be enhanced by purchasing add-on covers that can be purchased by paying an additional premium.

In a Nutshell

India has the third-biggest car market in the world There are both safe and unsafe cars which can cause unpredictable accidents. Cars in India are more prone to damage than cars running in other countries due to road conditions. So, to protect your car from unforeseen damages, it is beneficial to own a comprehensive or package policy for your car.