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.

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Stats About Gurgaon Traffic

• In the year 2023, Gurgaon witnessed 1,190 road crashes.
• Out of these, 439 were fatalities, and 1020 were injuries.
• Car owners were involved in 178 accidents, leading to 37 deaths and 76 serious injuries.
• An average of 10 vehicles are stolen every day in the city.

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:

1. Third-Party 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.

2. Standalone Own Damage 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.

3. 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.

Coverage Offered Under Car Insurance in Gurgaon

When you purchase car insurance in Gurgaon, the inclusions and exclusions offered by your policy are as follows:

Inclusions

Damages or losses that are covered under car insurance in Gurgaon are:

• 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.

Exclusions

Damages that are not covered under a comprehensive car policy purchased in Gurugram are:

• 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 Much Car Insurance Coverage You Need in Gurgaon?

The type of coverage you should choose in Gurugram depends on your requirements and budget. If you have a brand new car or a car that's not too old, going for comprehensive car insurance can be a better choice for you. This is because if a new vehicle sustains damages, its repair expenses would be huge, resulting in a burden on your pocket.

With a comprehensive insurance plan in Gurgaon you will have a peace of mind as the insurer provider will look after the repairs. Moreover, you can also enhance your coverage with the help of addons.

On the other hand, if you have an old car, and do not want to spend much on insurance premium, you can go with a third party car insurance policy.

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

• Carry all the necessary documents, including vehicle DL, insurance papers, RC, and PUC, to avoid paying traffic challan.
• Make sure to wear rider and pillion helmet while riding on Gurgaon roads
• Do not drive if under the influence of alcohol.
• Do not use mobile phones while driving as it may lead to distractions, increasing the chances of accidents.
• Do not break traffic signals and drive within the lane.