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For more than a decade, motor insurance has been a beneficial investment option for safeguarding yourself and your vehicles. The reason for such prudent investments is to acquire protection and aid against damages during road incidents. You can buy vehicle insurance policies online, which is a necessity in India as the traffic here is indifferent towards fellow motorists
Here is a list of popular vehicle insurance policies
Car insurance policies provide benefits not only for your own car but also provide cover against accidents involving Third Party vehicles. Whenever you decide to choose a Car insurance policy for your vehicle, make sure that you have checked and compared all the policies offered online, with their benefits. Furthermore, the invested amount in the protection plan also depends on the value of your car, year of manufacturing and registration date.
You can also buy motor policies online for two-wheelers such as scooters and motorcycles. The benefits for this category are similar to that for a Four-wheeler.
This particular policy enables commercial vehicle owners to obtain benefits for damages to their industrial vehicles. These are vehicles meant for carrying goods for business purposes.
Many times, someone gets injured in an accident involving your car. While this policy does not directly benefit the one insured, it does help in problematic situations involving unfortunate accidents with others.
This has an additional benefit to the third-party insurance policy helps take care of all the expenses dealing with an accident involving some other person. It not only provides coverage for the person but also for you.
This is an add-on to the third-party policy where any property damage and injuries sustained during an accident are covered. It also ensures accidental coverage for the driver.
A number of motor insurance companies in India provide policies that cover damages due to the following:
Do remember that the motor insurance bought online or otherwise is not liable to cover incidents mentioned below:
Taking a look at the unpromising road conditions in India, it becomes quite necessary to opt for motor vehicle insurance. Such plans offer a variety of financial coverage that benefits both you and other parties involved in any unfortunate incident. Moreover, a motor insurance policy purchased through a private insurance provider provides coverage with far more benefits than a government one. Some of these benefits are:
As stated earlier, the formalities and documents that are dealt with during the settlement of a vehicle insurance claim are based on the nature of the damage and the type of vehicle involved.
For this settlement, there is a need to provide an estimate of the damages in detail to the insurer. After that, a team of surveyors from an engineering trade is given the responsibility for ascertaining the cause of the accident and checking the damages sustained. After a full and detailed inspection, these surveyors submit their report to the company, which further examines it. An authorized letter is then issued for repairs.
Besides the claim form, there are other documents which are required during the process as well. These documents are:
Once the notice is received from the third party by the insured, the issue is taken to an advocate who then takes all the necessary documents from the one insured including the details of the accident. The documents include:
To reduce premium rates, you can try the following tips which may ensure you get the best and most beneficial motor insurance policy:
No doubt a lot of extra investment amount can be saved if the person looking for motor insurance compares various available offers. So, if you want to buy vehicle insurance policies online for your vehicle, then we, at QuickBima, are there to assist you in any possible way. Choose our platform, Compare and buy the best available policy which suits your needs. In addition, when you get the privileges of comparing policies online, it certainly helps in simplifying the process.
Compare to get a beneficial insurance plan to keep you safe while on the road!