Car Insurance In Gurgaon
As India's second largest IT hub, Gurgaon attracts job aspirants and business classes from different cities. This leads to traffic congestion and increases the chances of accidents in the city. So, having a car insurance policy in Gurgaon becomes more important to cover your vehicle against financial losses such as accidents, theft, fire, etc.
-
Renew policy in 2 minutes*
-
21+ Insurers to choose
-
1.2Cr+ Vehicles Insured
Stats About Gurgaon Traffic
Why Should You Buy Car Insurance in Gurgaon?
Apart from being mandatory, there are other reasons to buy car insurance in Gurugram. These are:
-
Coverage from Accidents
The road accident rate in Gurugram is high as most of the people in the city own a car. Meeting with one can cause huge damage to your vehicle, resulting in heavy repair expenses. With the comprehensive car insurance policy, you can save from paying these expenses as your insurer will cover it.
-
Theft Cover
Theft of a car is another primary concern in Gurugram. If you don't have a car insurance policy in the city and your car gets stolen, you may not be able to get any value for it. However, with a car policy, you can get compensated up to the insured's declared value for the stolen vehicle.
-
Personal Accident Cover
Death or bodily injury to the driver or owner of a car caused by a road accident can also be covered by purchasing Personal Accident Coverage along with your car insurance policy.
-
Benefit of Addons
Add-ons are covers that you can purchase to enhance your policy coverage. In a city like Gurugram, where rains are a big concern, add-ons like Engine Protection Cover, Consumables Cover, Zero Dep Cover, etc., are needed. You can get these add-ons during policy purchase or during car insurance renewal.
Types of Car Insurance Policies in Gurgaon
A car owner in Gurugram can purchase the following types of car insurance policies:
Third-Party Car Insurance
According to the Indian Motor Vehicles Act 1988, having a third-party insurance policy is compulsory. This policy protects a car owner against third-party liabilities from the insured car. Third-party liabilities include death, disability, or property damage of the third party.
Standalone Own Damage Car Insurance
A standalone own-damage car insurance policy compensates the policyholder when his/her car sustains damages due to unforeseen emergencies like accidents, theft, collisions, calamities, etc. This policy can be purchased if you already have a third-party policy and wish to extend coverage to the car's own damage as well.
Comprehensive Car Insurance
Comprehensive car insurance is not mandatory but is recommended for its wide coverage. This motor insurance policy provides both third-party and own damage cover to the insured car. Damages arising out of road accidents, manmade acts, natural calamities, fire, and theft are covered under this policy.
Coverages Under Car Insurance in Gurgaon
-
Death, disability and property damage of the third party involved in an accident with the insured car
-
Cyclones, hurricanes, earthquakes, and any other natural calamity resulting in damages to the insured car
-
Strikes, riots, terrorist acts causing damages
-
Claims can also be raised for partial or total loss due to theft or burglary
-
The car insurance policy also covers fire-related losses.
-
Claims cannot be raised for damages arising from contractual liability.
-
Mechanical or electrical failure of the insured car is also not covered.
-
Damages to the insured vehicle when being driven without a driving licence
-
Claims cannot be raised for damages sustained by the insured car when driven under the influence of alcohol.
-
Depreciation, wear and tear to the insured car
-
Damages due to civil and nuclear war are not covered.
How to Buy Car Insurance Online in Gurgaon?
Purchasing car insurance in Gurugram can be done offline and online. An offline purchase requires time and is for you to visit the agent or insurer to buy a policy physically. However, when done online, you can easily purchase car insurance from the comfort of your home. Follow these steps to get car insurance online in Gurgaon:
- Visit Policybazaar.com and select "Car Insurance" from the homepage
- Enter your car number on the given form or choose the other option
- Choose your vehicle RTO in Gurgaon
- Select vehicle make, model, variant, and registration year
- Fill in the registration details and proceed
- Now select the desired car insurance plan and any addon you want to include
- Pay the final premium via online payment modes
- Once you have made the payment, your car insurance policy document will be mailed to you.
Traffic Do's and Don'ts in Gurgaon
Here are some traffic do's and don'ts that a car owner in Chandigarh should follow:
FAQs About Car Insurance in Gurgaon
-
Q1. Is having car insurance mandatory in Gurgaon?
Ans: Yes. As per the motor laws of India, it is compulsory to have a four-wheeler insurance policy to drive legally in Gurgaon. -
Q2. How to get the best and cheap car insurance in Gurgaon?
Ans: Choosing the best car insurance policy in Gurgaon depends on your coverage needs. However, you can follow the below mentioned tips to get car insurance at affordable rates:
- Compare car insurance plans before purchasing
- Choose your add-ons very carefully
- Try not raising a claim to save up on your NCB
- Take benefits of discounts like anti-theft discounts, voluntary deductibles discounts, and ARAI membership discounts.
-
Q3. What documents are required to file a car insurance claim in Gurgaon?
Ans: To file a claim for car insurance in Gurgaon, ensure that you have the following documents handy:
- Car insurance policy documents
- Vehicle's registration certificate
- Car's fitness certificate
- Repair bills and estimates of repair
- KYC
- Driving licence of the driver
Car Insurance Companies
Explore more plans by car model
Car Insurance Articles
- Recent Article
- Popular Articles
Is Car Insurance Worth It Despite Its High Cost?
Do you ever wonder if car insurance is worth the annual premium
Read more
How Car Insurance Renewal Impacts No Claim Bonus...
Your car insurance renewal date plays a crucial role in
Read more
Why Do Car Insurance Prices Vary Across Insurers?
In India, car insurance prices vary from one insurer to another
Read more
A Comprehensive Guide to Renew Your Car Policy...
Imagine it is 11:50 PM and your car insurance expires at midnight
Read more
What is Lease Car Insurance?
Lease car insurance is a type of motor insurance policy designed
Read more
#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.
