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      Car Insurance In Kerala

      Kerala, God's own country, is known for its eye-catching views and mesmerizing beauty. The city's economy, as well as population, has been growing at a fast pace in recent years. Whether you own a car or are planning to explore this bustling city via car, make sure you stay financially and legally covered from unforeseen circumstances with the help of a car insurance policy in Kerala.

      Read more

      Stats About Kerala Traffic

      • 48,141 road accidents were reported in Kerala in 2023.
      • The total number of fatalities in 2023 was 4,010.
      • As per the Motor Vehicles Department, 38% of vehicles registered in Kerala do not have insurance coverage.

      Why Should You Buy Car Insurance in Kerala?

      Not only is it a mandatory requirement, but buying car insurance in Kerala is also essential to cover your car financially from unforeseen damages. Paying for heavy repair expenses can be burdensome for many. Thus, a car insurance policy can help you cover these, giving you peace of mind. Here is why you should invest in a four-wheeler insurance policy in Kerala:

      • Protection from Kerala's Weather: Kerala experiences tropical monsoon with seasonally excessive rainfall and hot summer. This makes the roads and remote areas flooded. Moreover, the state witnessed harsh floods in 2018, causing heavy damage to life and property.
        Under such unpredictable weather, it becomes more than important to own a car insurance policy to cover your car's damages. Apart from this, you can also include an Engine Protect Cover to financially cover your car's Engine if it suffers damage due to water ingression in floods or heavy rainfall.
      • Legally Covered: Not having car insurance in Kerala is a traffic rule violation and can cost you heavy fines of up to Rs. 2,000. Moreover, it may also lead to imprisonment of 3 months if you repeat the offence.
        Thus, to avoid these legal consequences, ensure that you invest in a motor insurance policy for your car. Not only will it keep you legally covered on the road, but it will also offer financial assistance in case of accidental damages.
      • Theft Cover: Losing your car would be the last thing you want while driving in Kerala. Moreover, being the 13th largest state in India, the incidences of theft and burglary are also on the rise. Though you cannot avoid such unforeseen incidents, you can indeed get covered against them by purchasing a car insurance policy.
        With comprehensive car insurance, you can receive compensation up to the Insured Declared Value of the car if your vehicle suffers a total loss due to theft.

      Types of Car Insurance Policies in Kerala

      Three major types of car insurance policies are offered in Kerala. These include:

      1. Third-Party Car Insurance

        This type of four-wheeler insurance policy covers any damages to third-party caused by the insured car. Liabilities like third-party death, disability and property damage are covered under this policy. Any damage to the insured vehicle is not covered.

      2. Standalone Own Damage Car Insurance

        A standalone own-damage insurance policy aims to compensate the policyholder if his/her car sustains damages due to unforeseen incidents. These incidents include road accidents, fire, theft, etc.

        An OD car insurance policy does not cover third-party liabilities. It can be purchased to get OD coverage if you have an existing third-party car insurance policy.

      3. Comprehensive Car Insurance

        A comprehensive car insurance policy is a package policy that includes both third-party and own damage cover. This type of car policy is not mandatory but is recommended due to its broader coverage.

        It provides financial coverage to the insured car if it sustains damages/losses due to accidents, thefts, fire, natural calamities, manmade acts, etc. It also covers any third-party liability caused by the insured four-wheeler.

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      Coverage Offered Under Car Insurance in Kerala

      The coverage offered under car insurance in Kerala includes:

      Inclusions

      Damages that a car insurance policy in Kerala are covered include:

      • Death or disability to the third party. Property damage of the third party
      • Losses to the insured car due to theft or burglary
      • Fire, explosion or self-ignition causing losses to the insured car
      • Damages to the insured vehicle due to accident, collision
      • In transit, damages sustained by the insured car are also covered.

      Exclusions

      Losses that are not covered under a comprehensive car insurance include:

      • Damages to the insured vehicle when the driver was driving under the influence of alcohol
      • Accidental damages to the insured car when being driven outside the geographical limits
      • Claims cannot be raised for damages arising out of civil or nuclear war
      • Damages caused when the driver was not carrying a valid driving licence are also not covered
      • Contractual liabilities of the owner/driver of the insured car

      How Much Car Insurance Coverage You Need in Kerala?

      The car insurance coverage one needs in the state of Kerala depends on his/her budget and requirements. If you have a new car, it is essential that you cover it with all possible risks, including third-party liabilities and the car's own damages. In such a case, it would be best to go with a comprehensive car insurance policy. This policy will offer your car an overall protection.

      On the other hand, if your car is old or you have a lower budget, you can opt for mandatory third-party car insurance. This policy only covers third-party liabilities and carries a lower premium. So, whether you want a full coverage policy or just a basic one depends on your needs. You can also compare car insurance plans in Kerala from Policybazaar.com and choose the coverage that meets your requirements.

      How to Buy Car Insurance Online in Kerala?

      If you are planning to purchase a new car insurance policy in Kerala or want to renew your existing one, you can easily do so with the help of these steps:

      • Visit the official website of Policybazaar Insurance Brokers and select "Car Insurance" from the homepage
      • Enter your car number or select the "Brand New Car" option.
      • Select RTO in Kerala, car's make, model and fuel type
      • Compare and choose the car insurance plan of your choice
      • Select the addons you wish to include in your plan from the "Addons and Accessories" dropdown.
      • Pay the premium amount using online payment modes.
      • Once the payment is complete, your car insurance policy will be sent to your email address.

      Traffic Do's and Don'ts in Kerala

      Make sure to follow these traffic rules while driving in Kerala:

      • Always wear a seatbelt while driving on the roads of Kerala.
      • Refrain from overspeeding or overtaking other vehicles, which can lead to accidents.
      • Keep all the required documents like DL, RC, PUC and car insurance papers while driving in Kerala. Failure to show any document can attract heavy traffic challan in Kerala.
      • Do not drive under the influence of alcohol. Make sure to follow all traffic signs.

      FAQs

      • Q1. How to find the best car insurance in Kerala?

        Ans: You can get the best car insurance plan in Kerala by comparing plans from multiple insurers on Policybazaar.com and choosing the one that best suits your needs.

      • Q2. How can I reduce car insurance prices in Kerala?

        Ans: Follow these ways to reduce your car insurance premium in Kerala:

        • Save up your No Claim Bonus by not raising a claim during a policy year
        • Get an ARAI-approved anti-theft device installed in your car
        • Become a member of the Automobile Association of India
        • Compare plans thoroughly before purchasing
        • Do not invest in unnecessary add ons
      • Q3. Can I enhance my car insurance policy in Kerala?

        Ans:The coverage of a four-wheeler insurance policy can be enhanced by purchasing add ons at some extra premium. Some useful car insurance add ons include NCB Protect addon, Zero-Dep cover, Engine Protect cover, Roadside Assistance cover, Consumables cover, etc.

      • Q4. Will I need any documents to raise a car insurance claim in Kerala?

        Ans:Yes, you will need the following documents to raise a four-wheeler insurance claim in Kerala:

        • Car insurance documents
        • Copy of Police FIR
        • Copy of vehicle's RC
        • KYC
        • Bills and estimates of repair
        • Licence copy of the driver driving the car during the accident.

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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.