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Top 5 Things You Should Know About Car Insurance


Car Insurance

What documents are required to buy car insurance online?

Buying car insurance online is a straightforward and hassle-free process with the availability of online platforms. When the insurance provider asks, you will have to keep the following documents.
  1. Copy of your vehicle registration certificate (RC)
  2. Invoice copy for a new car
  3. Previous insurance policy
  4. No claim bonus reserving letter, whenever required

What documents are required to file a claim?

The primary purpose of getting insurance for the first car is to get adequate compensation for any loss or damage. To ensure that you raise a successful claim, all the necessary records need to be kept on hand. Although insurance firms are doing their best to avoid tedious paperwork, here is a list of documents you need to carry:
  1. Copies of the car registration certificate and tax receipt.
  2. Display of valid insurance paper.
  3. Print your license for car driving.
  4. Repair bills and payment receipts in case of reimbursement.
  5. Copy of FIR / Panchnama in case of theft or third party. Read auto insurance for more information on the various forms of the damage/death / bodily injury claim process.

How do you compare car insurance plans before choosing one?

We all know that many options usually cause a lot of confusion. Therefore, before choosing, one should compare the schemes based on:
  • Car Insurance Company: Examine the number of cases settle by the company and check the past history of the company and the time it takes to resolve them.
  • Premium and Coverage: The balance between the premium you are willing to pay and the coverage you want to end. Also, be sure to include add-ons accordingly.
  • Cashless Garage Network: Ensure that the insurer's garages are located in your area. You have to keep in mind that these garages only provide cashless facilities, so it is always tricky.

How is the premium for expired car insurance determined?

A car insurance policy will be valid for a specified time. After this time, the insurance policy lapses. To benefit from the No Claim Bonus (NCB), it is advisable to pursue car insurance renewal on time. If the policy laps car insurance renewal can be done within 90 days, then you can still benefit from NCB. After 90 days, you need to start the process by having a surveyor to refill the information and inspect your vehicle. Also, as the NCB is lost, it will result in a higher premium.

Is online car insurance only for new cars?

No, online four-wheeler insurance is not just for new cars. You can also renew your existing policies online.

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