{"id":30,"date":"2020-09-22T12:13:18","date_gmt":"2020-09-22T12:13:18","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=30"},"modified":"2020-09-22T12:13:19","modified_gmt":"2020-09-22T12:13:19","slug":"10-things-you-must-know-when-buying-a-car-insurance-in-india","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/","title":{"rendered":"Car Insurance Checklist: 10 Things you must know when buying a Car Insurance in India"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#10_Things_you_should_know_before_buying_a_Car_Insurance_in_India\" >10 Things you should know before buying a Car Insurance in India<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#1_Third_party_insurance_is_mandatory\" >1. Third party insurance is mandatory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#2_Seek_comprehensive_cover_for_better_protection\" >2. Seek comprehensive cover for better protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#3_Seek_additional_covers_based_on_your_risk_profile_like_Road_Assistance\" >3. Seek additional covers based on your risk profile like Road Assistance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#4_Do_not_overlook_personal_accident_cover\" >4. Do not overlook personal accident cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#5_Think_twice_about_dealer_insurance\" >5. Think twice about dealer insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#6_Know_the_Insured_Declared_Value_of_your_car\" >6. Know the Insured Declared Value of your car<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#7_Car_insurance_premium_is_linked_to_location_and_cubic_capacity_of_the_vehicle\" >7. Car insurance premium is linked to location and cubic capacity of the vehicle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#8_Benefits_of_Add_on_Covers_for_Motor_Insurance\" >8. Benefits of Add on Covers for Motor Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#9_Pay_as_You_Drive_Insurance_Policy\" >9. Pay as You Drive Insurance Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/#10_Dedicated_Garage_Facility\" >10. Dedicated Garage Facility<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Many car owners buy car insurance as a formality without giving it a thought. Often, low premium costs are the sole deciding factor while picking a car insurance product. This could easily mean not having adequate protection cover during an accident or damage.<\/p>\n\n\n\n<p>It would be wise to go online to compare various insurance products available by several parameters including costs. Not just that, you should also be aware of all the facets of car insurance before finalizing a product.<\/p>\n\n\n\n<p>Buying car insurance should be given just as much importance as buying the car itself. With a little understanding of car insurance, you can optimize your insurance purchase and enjoy greater benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Things_you_should_know_before_buying_a_Car_Insurance_in_India\"><\/span>10 Things you should know before buying a Car Insurance in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Third_party_insurance_is_mandatory\"><\/span>1. Third party insurance is mandatory<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is compulsory as per the Indian Road Safety Act and Indian Motor Vehicles Act. So, if you are buying a vehicle for the first time, make sure to get third party insurance before driving it on the roads. Third party insurance will offer you a protective cover against damages caused to any third person, vehicle, or property and will cover claims for damage caused to a third party including claims for grievous injury, disability, or death. You cannot however seek any claim for damage caused to your own self or your vehicle under a third-party insurance cover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Seek_comprehensive_cover_for_better_protection\"><\/span>2. Seek comprehensive cover for better protection<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can seek a comprehensive insurance cover that will offer protection for damages caused to your car and self in an accident. Furthermore, a comprehensive insurance will protect your car against any accidental fires, thefts, and other damages as per the selected insurance plan. Do not overlook comprehensive cover for saving on insurance premium costs as third-party insurance does not offer any cover for your vehicle or self.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Seek_additional_covers_based_on_your_risk_profile_like_Road_Assistance\"><\/span>3. Seek additional covers based on your risk profile like Road Assistance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Buying add-ons for car insurance can mean you get optimum protection. Seek add-on covers as per your risk profile. For example, if you usually drive late nights and long distances, opting for a quick road assistance insurance add-on can be most suitable should you need assistance in any odd hours on a deserted stretch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Do_not_overlook_personal_accident_cover\"><\/span>4. Do not overlook personal accident cover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Opting for a personal accident cover is now mandatory and can ensure you get adequate protection against any physical loss or disability during a car accident. You can also avail this cover for any and all passengers in your vehicle based on its seating capacity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Think_twice_about_dealer_insurance\"><\/span>5. Think twice about dealer insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your car dealer may offer you insurance at the time of making your car purchase. It may not necessarily be your best option, nor would it necessarily be the cheapest option. As a thumb rule, do not buy an insurance product before comparing quotes and features from multiple insurers. The Only option beneficial in the case of Dealership is Cashless facility.<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Know_the_Insured_Declared_Value_of_your_car\"><\/span>6. Know the Insured Declared Value of your car<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your car insurance premium is linked to the Insured Declared Value (IDV) of your car. IDV is the maximum amount that you can claim under a motor insurance policy. For example, a new car will have a higher IDV compared to a car of the same model and make which is one year old. The IDV of vehicles aged over 5 years is calculated by Mutual agreement between insurer and the insured and upto the age 5 years fixed depreciation criteria is given in the All india Motor Tariff.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Car_insurance_premium_is_linked_to_location_and_cubic_capacity_of_the_vehicle\"><\/span>7. Car insurance premium is linked to location and cubic capacity of the vehicle<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your car insurance premium considers the cubic capacity of your car&#8217;s engine along with your geographical location. Therefore, for the same make and model, living in metropolitan regions may mean that you end up paying a higher insurance premium compared to living in a semi-urban or rural area. It all depends on the location of the RTO where your car registered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Benefits_of_Add_on_Covers_for_Motor_Insurance\"><\/span>8. Benefits of Add on Covers for Motor Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Just like everything little additions in life things just get better. Similarly getting add-on covers will help you a much-enhanced cover and help in fighting financial imbalances in case of accidents. The various types of available add-on cover under Motor Insurance includes &#8211;<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Zero Depreciation:<\/strong>&nbsp;You will not face depreciation devalue and get full coverage for repairs at the time of accident to vehicle.<\/li><li><strong>Engine and Gearbox Protection cover:<\/strong>&nbsp;You will be covered for unpredictable weather like Heavy rains and floods which tend to damage your car engine, leading to hydrostatic lock etc.<\/li><li><strong>Return to Invoice:<\/strong>&nbsp;You will get the differential amount of IDV and Invoice in case of total loss and allow you to happily buy a new car.<\/li><li><strong>Cost of consumable items:<\/strong>&nbsp;This includes the cost of Nut, Bolts, gaskets, sealant etc. normally not covered in the accident.<\/li><li><strong>No Claim Bonus Protection:<\/strong>&nbsp;Intact your No Claim Bonus for next renewal.<\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Pay_as_You_Drive_Insurance_Policy\"><\/span>9. Pay as You Drive Insurance Policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Under the Stand Box project of IRDA a few shortlisted companies are offering usage-based Motor Insurance Products and premium depending on the pre declared kilometers. The product benefits those who drive less.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Dedicated_Garage_Facility\"><\/span>10. Dedicated Garage Facility<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cashless claim settlement is better as it saves your valuable time and you are also not required to pay the whole amount. So, while buying the Car insurance, check for the availability of Network of Garages (Workshops) to repair your vehicle in the unforeseen event of occurrence of any accident\/accidental loss.<\/p>\n\n\n\n<p>If you are facing any difficulty with regards to Car Insurance delay in claim process, claim rejection etc., you can contact us at Insurance Samadhan. We are always there to help! At InsuranceSamadhan.com, we have helped resolve over 12,600 customer grievance cases in the past related to all types of Insurances, ULIPs and other financial products.<\/p>\n\n\n\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\n\n\n\n<p>Call us at \u2013 844 844 0626<\/p>\n\n\n\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n\n\n<p>Register your insurance complaint&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many car owners buy car insurance as a formality without giving it a thought. Often, low premium costs are the sole deciding factor while picking a car insurance product. This could easily mean not having adequate protection cover during an&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/10-things-you-must-know-when-buying-a-car-insurance-in-india\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":31,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-30","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance: 10 Things you should know when buying a Car Insurance in India<\/title>\n<meta name=\"description\" content=\"Car Insurance Checklist: Know about 10 things you must know when buying a Car Insurance in India at Insurance Samadhan. 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This could easily mean not having adequate protection cover during an&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/30","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=30"}],"version-history":[{"count":1,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/30\/revisions"}],"predecessor-version":[{"id":32,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/30\/revisions\/32"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/31"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=30"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=30"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=30"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}