Buy Motor Insurance Policy Online in India

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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

A Brief Introduction to Various Motor Insurances

Here is a list of popular vehicle insurance policies


Car Insurance

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.


Two Wheeler Insurance

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.


Commercial Vehicle Insurance

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.


Third-party Insurance Plan

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.


Comprehensive Insurance Cover

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.


Liability only Plan

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.

Included & Excluded

What is all included in a motor insurance policy?

A number of motor insurance companies in India provide policies that cover damages due to the following:

  • Natural calamities like cyclones, storms, earthquakes, floods, landslides, etc.
  • Burglary and fire.
  • Strikes and riots.

What is all excluded from a vehicle insurance policy?

Do remember that the motor insurance bought online or otherwise is not liable to cover incidents mentioned below:

  • Any damage to the vehicle outside India is not liable for coverage.
  • Invalid driver's license.
  • If the vehicle is serving an illegal purpose or part of any illegal activity.
  • If the driver is under the influence of any form of alcohol or drugs.

Why is there a need for motor insurance?

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:

  • Facility of towing
  • 24/7 Road Side Assistance for incidents
  • Coverage for engine protection
  • Coverage for depreciation
  • Network garage claims either through cashless coverage or direct agreements

How can motor insurance be claimed?

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.

Claiming for damage to owned vehicle

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:

  • Police report
  • The final bill issued by the repairers
  • Registration Certificate(RC) Book
  • Driver's license
  • Fitness certificate (if it is a commercial vehicle)

Third-party claims

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:

  • Death certificate when there is fatal loss of life claim involved.
  • Medical certificate
  • Driver's license
  • Police report

Guide to reduce Premium Rates for Vehicle Insurance

To reduce premium rates, you can try the following tips which may ensure you get the best and most beneficial motor insurance policy:

  • Keep track of the discounts: Most insured people do not know that there are many other small, but advantageous bonuses and discounts except the popular no-claim ones. There have been rewards and benefits for various policies where the claim history is good enough. So, it is prudent to keep track of such discounts.
  • Use of anti-theft devices: If you install such devices that are approved by Automobile Research Association of India, then you can claim for additional discounts in your premium rates.
  • Avoid adding additional drivers: Adding more drivers to the online vehicle insurance plan will only increase the premium rates. So, it is better to avoid if the drivers are already having life insurance coverage of their own.
  • Always compare: This is one of the most important tips that will give you the choice to choose better offers and make your purchase accordingly.

Looking for a popular vehicle insurance policy online? Try QuickBima for Assistance!

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!


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