Atul Auto Insurance

Atul Auto Insurance Price

The following table highlights the Atul auto insurance price for various of its models:

Disclaimer: The Atul Auto Insurance Price for various Commercial Vehicle models may vary as per the capacity of their engines, fuel type, year of registration, IDV, RTO, etc.

Reasons to Buy Atul Auto Insurance Policy

Here are some of the reasons to buy an Atul Auto insurance policy:

• Legal Obligation: Buying a three-wheeler insurance policy is mandated by the law. One must buy at least a third-party insurance policy for a commercial vehicle to ply on the Indian roads.
• Enhanced Protection: A commercial vehicle insurance policy provides insurance cover against losses and damages that incur to third-party or the insured vehicle due to unforeseen circumstances.
• Easy to Purchase: Buying an Atul auto insurance online is a simple and quick process.

Types of Atul Auto Insurance Policy

• Atul Auto Third-party Insurance: Buying a third-party commercial vehicle insurance is mandated by law. This type of insurance only protects the policyholder against any loss or damage incurred to a third-party person or property. However, it does not cover any damages caused to the insured vehicle.
• Atul Auto Comprehensive Insurance: A comprehensive commercial vehicle insurance policy is not mandated by the law, but offers a broader protection. It provides cover for both own vehicle damages and third-party liabilities. There is also an option to include various add-ons and even cover parts that are usually uninsured at an additional premium.

Add-Ons with Atul Auto Insurance

Policyholders can enhance the coverage of a standard Atul auto policy by purchasing various add-ons with their commercial vehicle insurance at an additional premium. Some of the common add-ons are given below:

• Accessories Add-on Cover: The accessories add-on cover offers coverage for damages incurred by electrical and non-electrical items of an auto, such as fog lights, lamps, etc.
• IMT 23: The IMT 23 add-on helps to cover the cost of damages incurred by uninsured parts, such as tyres, tubes, lamps, mudguards, bumpers, paintwork of the damaged section, and much more.
• Personal Accident Cover: The personal accident cover is a mandatory add-on as per IRDAI. It provides a compensation of up to ₹15 lakhs, in case of death, injury, or disability incurred by the owner-driver of the vehicle.
• Zero Depreciation: Insurance companies deduct the depreciation cost of all replaced and repaired items while settling an accidental claim. However, with a zero depreciation add-on, the insurer is liable to pay full cost of all items except tyre, tube, and batteries, that are covered at 50% costs, as per the terms and conditions of the policy.

How to Buy Atul Auto Insurance Online?

The steps to buy or renew an Atul Auto insurance policy online are as follows:

• Go to the commercial vehicle insurance page on policybazaar.com.
• Provide all the details of the Atul auto such as make, model, type of insurance, details of the claim for NCB, RTO information, manufacturing details, etc., and click on submit.
• All the available plans for Atul auto insurance will be displayed on the screen.
• Select the most appropriate policy and pay the premium.
• The policy will be mailed to the registered e-mail address.

How to File an Atul Auto Insurance Claim?

Follow the steps mentioned below to file an Atul auto insurance claim:

1. Inform the Insurance Provider: The first step to file a claim is to inform the insurer about the incident.
2. Survey Inspection: A surveyor will be appointed to assess the damages.
3. Document Submission: After the surveyor approves the damages, the policyholder must submit all the required documents to file the claim.
4. Repair and Settlement: The insurance provider will then settle the claim, once the insured vehicle is repaired at the network garage.

Documents Required To File an Atul Auto Insurance Claim

Policyholders must submit the following documents to file an Atul auto insurance claim:

• Filled and signed claim form
• Driving license copy
• Estimate of the repair
• Registration certificate
• Commercial vehicle permit
• Load challan.