Car Insurance In Chandigarh
Being one of the most livable cities in India, Chandigarh attracts people from all life. This increase in the city's population has also resulted in traffic, road accidents, and vehicle theft in the city To cover these accidents, theft, and other unanticipated incidents causing car damages, one can purchase car insurance in Chandigarh.
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Why Should You Buy Car Insurance in Chandigarh?
There can be many reasons for buying car insurance in Chandigarh. Some of these are:
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Mandatory Coverage in Chandigarh
Covering your car with a valid insurance policy in Chandigarh is compulsory as per the motor laws of India. If you are caught driving without a car insurance policy, you will be subject to heavy traffic fines.
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Financial Assistance
By buying car insurance online in Chandigarh, you can get financial assistance when your car sustains damages due to unforeseen road emergencies such as an accident.
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Personal Accident Cover
Accidents may also lead to fatalities or disability, resulting in heavy financial and emotional loss for those behind them. A Personal Accident cover can compensate you for losses up to Rs. 15 Lakh.
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Coverage from Theft
Theft of vehicles is a common occurrence in Chandigarh. Not having a car insurance policy to cover this theft can cost a lot. Therefore, it is highly recommended that you cover your car with a comprehensive insurance policy to get some compensation if your vehicle has suffered losses due to theft.
Types of Car Insurance Policies in Chandigarh
There are three types of motor insurance policies offered in Chandigarh. These are:
Third-Party Car Insurance
This mandatory car insurance policy covers any third-party liabilities that are caused by the insured four-wheeler. Liabilities to third parties include death, disability, or property damage of the third party involved in an accident with the insured car.
Standalone Own Damage Car Insurance
Standalone own damage or SAOD insurance can be purchased to cover a car's own damages when you only have a third-party insurance policy. This policy compensates when an insured vehicle sustains damages due to unforeseen emergencies like road accidents, fire, theft, etc.
Comprehensive Car Insurance
A comprehensive car insurance policy is a broad policy offering both third-party and own damage coverage. It compensates when the insured car sustains damages due to accidents, theft, calamities, etc. Moreover, this policy covers third-party damages as well.
Coverages Under Car Insurance in Chandigarh
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Third-party death, disability and property damage due to the insured four-wheeler.
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Earthquakes, cyclones, hurricanes and other natural calamities cause damage to the insured car.
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Manmade acts like strikes, riots and terrorist acts causing damages
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Total or partial loss of the insured vehicle caused due to theft or burglary.
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Losses arising out of fire-related incidences
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In-transit damages caused to the insured four-wheeler
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Damages to the insured car when being driven under the influence of drugs or alcohol.
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Losses caused to the insured car when the driver was driving the vehicle without a valid DL.
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Losses arising as a result of contractual liabilities of the owner/driver of the insured vehicle.
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Mechanical or electrical failure of the insured vehicle.
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Depreciation or wear and tear sustained by the car and its parts.
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Accidental damages outside the specified geographical location are not covered.
How to Buy Car Insurance Online in Chandigarh?
A car owner can get car insurance in Chandigarh via two modes: offline and online. The offline mode may be cumbersome and can be time-taking, while the online mode is easier and hassle-free. Here is how you can buy car insurance online from Policybazaar.com in Chandigarh:
- From the homepage, click on the "Car Insurance" tab.
- Enter your car number using the given number or select the "Brand New Car" option.
- From the list of RTOs, select your RTO in Chandigarh.
- Select the rest of the details, such as the car's make, model, and variant.
- Now select vehicle registration year.
- From the given list of car insurance plans, choose the suitable plan.
- Select add-ons that you wish to include.
- Proceed with premium payment using the desired payment method.
- Once you have made the payment, your car insurance policy will be sent to your email.
Traffic Do's and Don'ts in Chandigarh
Here are some traffic do's and don'ts that a car owner in Chandigarh should follow:
FAQs About Car Insurance in Chandigarh
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Q1. Can I know the premium of my car before purchasing a policy in Chandigarh?
Ans: Yes, you can use a car insurance premium calculator to check the premium of your vehicle before investing in a policy. -
Q2. What type of car insurance is the cheapest?
Ans: A third-party car insurance policy is the cheapest as its premium is pre-decided by the IRDAI. This policy only offers third-party coverage, thus costing less than a comprehensive plan. -
Q3. How can I reduce car insurance prices in Chandigarh?
Ans: Follow these tips to get a discount on car insurance prices in Chandigarh:
- Install in an ARAI-approved anti-theft device to get a discount on your policy premium
- Compare plans from multiple insurers to get the most affordable quote
- Opt for voluntary deductibles
- Choose right add-ons
- Drive safe and try not to raise a claim
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Q4. Can I renew my car insurance online in Chandigarh?
Ans: Yes, you can renew car insurance online in Chandigarh easily from Policybazaar.com.
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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.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
