Car Insurance In Chennai
The biggest cultural and economic hub in Southern India, Chennai attracts people from all over the country. This increase in the state's population has crowded the roads, thus increasing the chances of road accidents. Hence, to get financially covered under such unforeseen incidents, it becomes imperative for car owners to invest in a full-coverage car insurance policy in Chennai.
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Why Should You Buy Car Insurance in Chennai?
As per the Indian motor laws, car insurance in Chennai is mandatory. Moreover, a car insurance policy also provides financial coverage to your car during unanticipated damages. Here is why you should buy a four-wheeler insurance policy in Chennai:
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Heavy Road Congestion
Being one of India's largest and most populated cities, Chennai witnesses heavy traffic and road congestion issues. This increases the chances of road accidents and collisions in the city, making car insurance a necessary requirement.
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Harsh Monsoons
Chennai witnesses over 50% of annual rains in the country. The monsoons are harsh, causing heavy downpours, waterlogging, and potholes in many parts of the city. All of these issues add to the increasing road accidents and traffic. To keep your car financially protected under such situations, it's best to be prepared with the help of a four-wheeler insurance policy in Chennai. Moreover, under such harsh weather, an Engine Protection Cover will also help you cover engine-related damages caused due to water ingression arising from rains.
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Theft Cover
In cities with high population like Chennai, the incidences of car theft and burglary are also at an all-time high. With a car insurance policy, you can get compensated up to the Insured Declared Value when your car is lost due to theft. Thus, make sure to get financially covered for theft by purchasing a comprehensive insurance policy for your vehicle in Chennai.
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Personal Accident Cover
Sometimes, car accidents can be devastating, resulting in the death or injury to the driver or passengers. If you have car insurance in Chennai, you can also cover death, disability, or bodily injuries caused to the driver/owner of the car. For this, you can purchase the mandatory Personal Accident Cover along with your car insurance policy.
Types of Car Insurance Policies in Chennai
Major types of car insurance policies offered in Chennai include:
Third-Party Car Insurance
Compensation for third-party insurance such as third-party death, disability, and bodily injuries is offered under this type of car policy. Compensation for the death of the third party due to the insured car is unlimited, while for property damage, it's limited to Rs. 7.5 lakh.
Standalone Own Damage Car Insurance
An own damage car insurance compensates a policyholder if his/her car sustains damages due to road accidents, collision, fire, theft, manmade acts, and natural calamities. This policy does not cover third-party liabilities caused by the insured car. It can only be purchased if you have an existing third-party cover and wish to cover your vehicle as well.
Comprehensive Car Insurance
A comprehensive car insurance is an extensive cover that offers compensation when the insured car meets with an unforeseen incident, such as an accident, collision, theft, fire, calamities, etc. Apart from own damages, this policy also covers any third party liability caused due to the insured vehicle.
Moreover, a comprehensive plan can also be enhanced with the help of add-ons that can be purchased by paying an extra premium.
Coverages Under Car Insurance in Chennai
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Third party liabilities such as third-party death, disability, and property damages
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Damages sustained by the insured car due to riots, strikes, or other manmade acts
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Natural calamities like earthquakes, cyclones, and hurricanes causing damage to the insured car
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Partial or total loss of the insured car due to theft
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Losses arising out of fire, explosion, and self-ignition
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Damages while the insured vehicle was in transit via road, rail, air, or waterways
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Damages to the insured vehicle when the driver was driving under the influence of alcohol
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Claims can not be raised for damages to the insured car outside the geographical limits of the policy
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Contractual liabilities of the owner/driver of the insured car are also not covered
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Damages to the insured car when being driven without a valid driving license
How to Buy Car Insurance Online in Chennai?
Follow the steps mentioned below to buy a four-wheeler insurance policy in Chennai:
- Visit Policybazaar.com and select the 'Car Insurance' tab from the homepage
- On the given form, enter your car number or select 'Brand New Car'
- Select your car's RTO, make, model, variant and registration year
- Now compare and choose the car insurance plan you wish to buy
- Select the desired additional covers
- Pay the premium amount via online payment mode
- Once you have paid the premium, your car insurance policy document will be instantly mailed to you
Traffic Do's and Don'ts in Chennai
Here are some essential traffic do's and don'ts to follow in Chennai:
FAQs About Car Insurance in Chennai
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Q1. How can I get the cheapest car insurance in Chennai?
Ans: You can get the cheapest car insurance plan in Chennai by comparing plans from different insurers online and choosing the one that suits your budget. You can also compare plans from 20+ insurers at Policybazaar.com with ease. -
Q2. Are there any discounts offered on the purchase of car insurance in Chennai?
Ans: Yes, you can get the following discounts on the purchase of four-wheeler insurance in Chennai:
- NCB Discount
- Anti-theft discount
- Discount on membership of the Automobile Association of India
- Voluntary Deductibles
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Q3. Can I renew my car insurance online in Chennai?
Ans: Yes, an online car insurance renewal is possible in Chennai. You can simply visit Policybazaar.com, enter your car number, and compare and buy the plan that suits your needs. -
Q4. How can I calculate the cost of car insurance in Chennai?
Ans: You can get an estimated premium for your car by using a Car Insurance Premium Calculator. This tool lets you calculate the OD premium and IDV based on your car's make, model, variant, registration year, RTO, and ex-showroom price.
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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.
