Car Insurance In Kolkata
The city of Joy, Kolkata, is also one of the busiest cities in India. Like other Tier A cities, Kolkata also witnesses heavy traffic, road accidents, vehicle thefts, and other unforeseen contingencies. Thus, it becomes imperative to invest in a car insurance policy to get financial coverage in case you meet with any of these emergencies.
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Stats About Kolkata Traffic
Why Should You Buy Car Insurance in Kolkata?
To avoid traffic rule violations, it is mandatory, as per the motor laws, to own four-wheeler insurance in Kolkata. Besides being compulsory, there are several other reasons to buy car insurance in the city. Take a look:
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Occurrence of Cyclone
Occurrences of natural calamities like cyclones are common in Kolkata. So, covering your car if it sustains damages due to such natural calamities is very important. A comprehensive motor insurance policy will compensate for damages sustained by your vehicle due to cyclones or other natural calamities while driving in Kolkata.
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Coverage for Theft
Since Kolkata is a busy city, the streets and roads encounter heavy traffic thus giving rise to cases of vehicle theft. With a comprehensive car insurance plan, you can also get covered for theft or burglary that may cause losses to your four-wheeler.
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Poor Condition of Roads
The roads of Kolkata are poor and extremely uneven, making it difficult for car owners to drive properly. Wide and deep potholes, worn-out roads, etc, increase the chances of road accidents in the city. To get compensated for damages under such accidents, it is crucial to have a car insurance policy in Kolkata. Otherwise, you will end up paying heavy repair expenses out of pocket.
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Personal Accident Cover
Road accidents can also lead to the death or disability of the owner/driver of the insured car. By purchasing a Personal Accident Cover with your car insurance policy, you can also get covered in case the owner/driver of the car dies or suffers injuries in an unfortunate accident.
Types of Car Insurance Policies in Kolkata
Three major types of four-wheeler insurance policies offered in Kolkata are:
Third-Party Car Insurance
A third-party or liability only car insurance policy offers compensation if the insured car meets with a third-party accident. Under this policy, financial compensation is offered in case of third-party property damage, death and bodily injuries. Third-party insurance is the least mandatory coverage that one must have to drive legally in India.
Standalone Own Damage Car Insurance
This motor insurance policy can be purchased if you have an existing third-party bundled policy. It compensates a policyholder if his/her car sustains damages due to unanticipated incidents like accidents, natural calamities, man made calamities, fire, theft, etc. This policy does not cover third-party liabilities and only the damages the car sustains.
Comprehensive Car Insurance
A comprehensive car insurance policy compensates the policyholder if his/her car suffers damages due to unanticipated incidents. These incidents include road accidents, collisions, natural calamities, theft, fire, manmade acts, etc. The coverage of a comprehensive car insurance policy can also be enhanced by purchasing additional covers with the policy.
Coverages Under Car Insurance in Kolkata
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Third-party liabilities include third-party death, property damages, and disability.
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Damages to the insured car due to earthquakes, floods, cyclones or any other natural calamity
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Damages due to manmade acts like strikes, riots, etc.
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Partial or total loss arising out of theft or burglary of the insured car
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Losses to the insured vehicle due to fire, explosion or self-ignition
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Accidental damages to the insured four-wheeler while it was in transit.
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Damages to the insured vehicle when being driven under the influence of alcohol
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Damages sustained by the insured car when the driver was not carrying a valid driving licence
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Contractual liabilities of the owner/driver of the insured vehicle
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Claims cannot be raised for damages sustained outside the specified geographical location
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Damages due to nuclear or civil war are also not covered.
How to Buy Car Insurance Online in Kolkata?
Here is an easy step-by-step guide on purchasing car insurance in Kolkata online:
- Visit Policybazaar.com and select the “Car Insurance” tab from the homepage
- On the given form, enter your car number or select the “Brand New Car” option
- Now, choose your car's RTO, make, model, variant, and registration year
- Fill in the given registration form
- From the given quotes, choose the car insurance plan that you wish to purchase
- Select additional covers if required
- Once decided, pay the final premium amount via online payment modes
- After successful payment, your four-wheeler insurance policy documents will be mailed to you.
Traffic Do's and Don'ts in Kolkata
Here are some traffic do's and don'ts that a car owner in Kolkata should follow:
FAQs About Car Insurance in Kolkata
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Q1. How can I reduce car insurance cost in Kolkata?
Ans: The cost of car insurance in Kolkata can be reduced by following the below-mentioned tips:
- Comparing plans before purchasing
- Investing only in required addons
- Saving up on your car’s No Claim Bonus
- Install anti-theft device in your car
- Opt for Voluntary Deductibles
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Q2. Can I calculate the insurance premium for my car before purchasing a policy?
Ans: Yes, you can calculate the estimated premium of your car with the help of a Car Insurance Premium Calculator. This online tool will help you get your car's OD premium and IDV based on your car's make, model, variant, etc. -
Q3. Are there any add-ons available with car insurance in Kolkata?
Ans: You can purchase several add-ons at an extra premium with your comprehensive car insurance policy. Some valuable add-ons include zero depreciation cover, NCB Protect cover, Roadside Assistance cover, and Consumables cover.
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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.
