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Honda Car Insurance

Honda Motor Company Limited is a Japanese car maker founded by Soichiro Honda and Takeo Fujisawa in the year 1946. The company has its head quarters at Tokyo, Japan. Honda Motors is the world’s eighth largest manufacturer of automobiles. It was the first auto maker to establish a dedicated luxury brand, Acura in 1986. In India, Honda began its operations in the year 1995 in partnership with Shriram Group. The company has manufacturing facilities at Greater Noida and Bhiwadi.

Why to Buy Honda Car Insurance?

Along with being a legal obligation to drive a car on the Indian roads, having a car insurance policy, insurance, is imperative and a smart task to do as your car becomes vulnerable to risks right since the moment you bring it out from the showroom. A basic car insurance policy covers only the expenses arising out of personal accident and third-party liability.

On the other hand, a comprehensive car insurance plan ensures that your Honda car is financially secure against losses or damages that might happen to it during the period you own it, such as:

  • Natural catastrophe: Fire, explosion, self-ignition, flood, rockslide, inundation, hail storm, lightning, typhoon, earthquake, hurricane, tempest, storm, cyclone, landslide, frost, etc.
  • Man-Made Disasters: Terrorist activity, burglary, malicious act, riot, theft, strike, accident due to external means, and any damage to your car occurred in transit by rail, road, inland waterway, elevator, air, or lift.
  • Road Side Assistance: If you ever get into a sticky situation while you are driving your car, such as a flat tyre or a mechanical breakdown, then you can well utilize the roadside assistance facility of your Honda Car Insurance Policy by simply calling the helpline number and receiving required assistance from the closest empanelled garage.
  • Cashless Facility at Network Workshops: Has there been a breakdown in your car while you are on the highway? Don’t you have enough funds to avail the repair services? These are the exact situations when you would realize the importance of this cover. The policy facilitates you with cashless repairs of your Honda car at all the network garages across the country.
  • Engine Protection Cover: This cover provides protection against leakages or damages caused to you Honda car’s engine because of an accident. This cover, however, would not be available for all the models and variants of Honda cars.
  • Third Party Liability Cover: This cover provides security in event of a collision or accident where the death or injury has happened to a third person or damage to his property has happened and you have been held accountable for the same.
  • Personal Accident Cover (Owner and driver): This cover ensures your financial protection in event of an injury happened to the driver or the owner of the Honda car.

List of Honda Cars in the Indian market
HONDA CITY

The car is offered in two fuel options i.e. petrol and diesel. The car is powered by 1497 cc engine generating power of 119 bhp for petrol and 100 bhp for diesel.

Honda City Petrol 1.3DX (1343 cc)

Insurance Company

IDV

Premium

Cost of Zero Depreciation

24x7 Roadside Assistance

Bharti AXA Car Insurance

Rs.4,59,072

Rs. 11,411

Rs. 2006

Rs. 431

Reliance Car Insurance

Rs.4,85,074

Rs. 13676

Rs. 2789

Free of Cost

New India Assurance

Rs. 5,62,021

Rs. 13298

Rs. 2585

N/A

Tata AIG Car Insurance

Rs.5,55,750

Rs. 13179

Rs. 2763

Rs. 133

 

HONDA BRIO

The car is available in manual and automatic transmission with 4 cylinder 1198 cc engine.

Honda Brio Petrol 1.2 E MANUAL TRANSMISSION (1198 cc)

Insurance Company

IDV

Premium

Cost of Zero Depreciation

24x7 Roadside Assistance

Future Generali Car Insurance

Rs.3,53,585

Rs. 11,365

N/A

Rs. 575

Reliance Car Insurance

Rs.3,85,458

Rs. 12874

Rs. 2,216

Free of Cost

New India Assurance

Rs.3,24,819

Rs. 8820

Rs. 1,494

N/A

Tata AIG Car Insurance

Rs.3,76,200

Rs. 11209

Rs. 2,299

Rs. 133

 

HONDA AMAZE

This car is the auto maker’s entry into compact sedan segment. It is powered by 4 cylinder engine in both fuel options. Petrol version of the car is available in manual and automatic transmission while diesel version is only available in manual transmission.

Honda Amaze 1.2 E MANUAL TRANSMISSION PETROL (1198 cc)

Insurance Company

IDV

Premium

Cost of Zero Depreciation

24x7 Roadside Assistance

Future Generali Car Insurance

Rs.5,06,537

Rs. 13206

N/A

Rs. 575

Reliance Car Insurance

Rs.4,48,245

Rs. 11149

Rs. 2577

Free of Cost

New India Assurance

Rs.4,06,044

Rs. 10354

Rs. 1,868

N/A

Tata AIG Car Insurance

Rs.4,53,150

Rs. 12097

N/A

Rs. 133

 

HONDA JAZZ

This car is available in both petrol and diesel as fuel options. The car is powered by 4 cylinder 1199 cc petrol engine and 4 cylinder 1498 diesel engine.

Honda Jazz 1.2 MT Petrol (1198 cc)

Insurance Company

 

IDV

 

Premium

 

Cost of Zero Depreciation

 

24x7 Roadside Assistance

 

Bharti AXA Car Insurance

 

Rs.3,48,726

Rs. 9987

Rs. 1524

Rs. 431

Reliance Car Insurance

 

Rs.5,16,514

Rs. 14388

Rs. 2,970

Free of Cost

New India Assurance

 

Rs.6,26,715

Rs. 14519

Rs. 2,883

N/A

Future Generali Car Insurance

 

Rs.5,30,919

Rs. 13713

N/A

Rs. 575

 

HONDA MOBILIO

The car is embellished with modern features and is available in both fuel options. The car is powered by 1497 engine generating power of 119 bhp for petrol and 100 bhp for diesel.

Honda Mobilio 1.5 E i-VTEC PETROL (1497 cc)

Insurance Company

 

IDV

 

Premium

 

Cost of Zero Depreciation

 

24x7 Roadside Assistance

 

Bharti AXA Car Insurance

 

Rs.4,31,585

Rs. 11707

Rs. 1,886

Rs. 431

Reliance Car Insurance

 

Rs.5,54,896

Rs. 16305

Rs. 3,191

Free of Cost

New India Assurance

 

Rs.5,27,150

Rs. 12640

Rs. 2,425

N/A

Future Generali Car Insurance

 

Rs.7,49,835

Rs. 18258

N/A

N/A

 

Honda Cars Available In India

Name of the Car

Cubic Capacity of the Engine

Price Range (Delhi)

Honda Brio

  • Petrol Variants - 1198 cc

Rs. 4.47 Lacs to Rs. 6.83 Lacs

Honda Mobilio

  • Petrol Variants – 1497 cc
  • Diesel Variants – 1498 cc

Rs. 6.79 Lacs to Rs 11.78 Lacs

Honda Amaze

  • Petrol Variants – 1198 cc
  • Diesel Variants – 1498 cc

Rs.5.23 Lacs to Rs. 8.25 Lacs

Honda Jazz

  • Petrol Variants – 1198 cc
  • Diesel Variants – 1498 cc

Rs.5.35 Lacs to Rs. 8.63 Lacs

Honda City

  • Petrol Variants – 1497 cc
  • Diesel Variants - 1498 cc

Rs.7.60 Lacs to Rs. 11.91 Lacs

Honda CR-V

  • Petrol Variants – 1997 cc

Rs.21.13 Lacs to Rs. 25.13 Lacs

 

Honda Car Insurance Premium Calculator

Honda Car Insurance Premium Calculator is basically an online tool that helps you to compute the estimated amount of premiums that you would have to pay in order to insure your Honda car. The results of this calculator are based on the information that you put into the required fields of this calculator. Therefore, in order to obtain reliable results, it is essential t ensure that all the information you enter is accurate. Given below is a list of details that you would need to provide in order to use the Honda Car Insurance Premium Calculator:

  • Your Name
  • Your Phone Number
  • Your E-mail Address
  • Model of your Honda Car
  • Variant of the car (Petrol, Diesel, or CNG)
  • Cubic Capacity of the Car’s Engine
  • Registration Place of the Car
  • Registration Year of the Car
  • Information of the Previous Insurer (if any)

Honda Car Insurance Renewal

The process to renew car insurance is different with different insurance providers. However, almost every insurer, nowadays, has facilitated its customers with online routes for the renewal of their policy. And, the traditional method of renewing by visiting the insurer’s registered office is applicable to every insurer. All that you need to do is to gather some important info, such as the number of your existing Honda car insurance policy and some personal details.

While both the methods of renewal are open to the policyholders, there are certain added benefits of renewing Honda Car Insurance online. For instance, online renewal can fetch you heavy discounts on you Honda Car Insurance premiums. Also, the process of online renewal is simple, quick, and hassle-free as compared to the offline method. Moreover, it offers various premium payment methods, such as Debit Card, Credit Card, or Net Banking.

How to Buy Honda Car Insurance?

The process of buying an insurance policy for your Honda Car online is quick and very simple. While you can also buy your Honda Car Insurance from a broker, the online procedure involves following just a few simple steps.

Buying car insurance policy from a broker also has its own benefits. For example, in case of disputes with the insurer at the time of claim settlement, your agent might act as a mediator and make the situation better. Regardless of your mode of purchase, it is advisable to keep the following points in mind:

  • The most important thing is to choose an adequate amount of coverage for your Honda Car.
  • Do ensure that the IDV of your car is neither too high and nor too less, as both ultimately create a burden on your pocket.
  • Do read through the policy and scheme related documents carefully.
  • Do not just go by the low cost of premiums while choosing your Honda Car Insurance Policy, rather compare on the basis of the features offered by them.
  • Do compare all the available policies through a web aggregator and zero-in on the policy that offers maximum discounts and features and charges lowest premiums for that set of features.

Honda Insurance - FAQs

Q1. What add-on covers can I buy to enhance the coverage of my Honda Car Insurance Policy?

You can incorporate the following add-on covers into your standard Honda car Insurance Policy in order to enhance the protection against prominent risks with respect to your Honda car:

  • Personal Accident Cover for the owner, driver, and other named and unnamed passengers
  • Legal Liability Cover for the employees of policyholder travelling in the insured Honda Car
  • Wider Legal Liability Cover for Drivers

Q2. What are the factors that affect the cost of my Honda Car Insurance Premiums?

The factors that can affect the cost of your Honda Car Insurance Premiums are as follows:

  • Model of the Car
  • Cubic capacity of your car’s engine
  • Usage of the car
  • Area of usage of the car
  • Registration city of the car
  • Registration year of the car
  • Add-on cover opted for (if any)
  • No Claim Bonus (if any)

Q3. What value is my Honda car to be insured for - reinstatement value or depreciated value?

You Honda car would neither be insured against its depreciated value nor against its reinstatement value. Rather, it would be insured on the basis of its Insured Declared Value (or IDV). Basically, IDV is the second-hand value of your Honda car in the market. In case of any loss, the insurer’s liability is the maximum up to the insurance amount or market value of the car, whichever is lower. Thus, in case of the total loss or theft of the insured Honda Car, IDV would be the amount you would receive from the insurer.