Car Insurance Ahmedabad

As per the Motor Vehicles Act, it is mandatory for every car owner to insure his/her own vehicle with at least a third-party liability cover, especially those who reside in high-accident prone areas such as the metropolitan cities like Ahmedabad, Mumbai, Delhi, etc.

Types of Car insurance Available in Ahmedabad

There are two kinds of car insurance plans being offered in Ahmedabad:

• Comprehensive Car insurance

A comprehensive car insurance policy offers an overall protection to the policyholder by covering third-party liabilities as well as own damage liabilities that one incurs as a result of mishap.

• Third-party Liability Cover A third-party liability car insurance policy is an insurance plan that offers limited insurance coverage. The policy covers only the third-party liabilities that one incurs as a result of mishap.

Top Car Insurers in Ahmedabad

A number of car insurers in Ahmedabad offer good car insurance plans, a few among them are mentioned below:

• ICICI Lombard General Insurance
• HDFC ERGO General Insurance
• New India Assurance Company
• Reliance General Insurance

Car Insurance Policy Purchase and Renewal in Ahmedabad

You can avail a car insurance, either comprehensive or third-party, online or offline, depending on your convenience.

• Online Purchase/Renewal of Car Insurance Policy

You can purchase or renew your car insurance policy online by visiting any of the third-party insurance websites or official websites of the insurers. The online purchase or renewal of the insurance policy involves very less documentation and is paperless. The payment for the insurance plan can be made by using credit card, debit card or netbanking.

• Offline Purchase/Renewal of Car Insurance Policy

You can meet with any of the insurance agents or visit the nearest branch office of the insurer to purchase or renew your car insurance policy and buy/renew policy based on your insurance needs.

Car Insurance Claim Process in Ahmedabad

When you file a claim, there are certain steps involved before you can get your claim settlement. Below mentioned are the steps involved in the claim process:

• Notify the insurer as soon as the mishap takes place and provide them the details of the mishap
• Raise a cashless claim or reimbursement claim request
• File an FIR at the nearest police station in case of accident or theft and obtain a copy of the same
• An authorised surveyor will come to the spot of incident to inspect the vehicle and assess the total damage/loss incurred
• Submit the relevant documents to the surveyor and get them cross-verified by the surveyor
• If your documentation is in order, the surveyor will permit you to have your car repaired at the nearest workshop depending on the type of claim request you have raised
• In case of cashless claim request, have your car towed or driven to the nearest network garage and get it repaired. The insurer will pay the garage for the repairs made
• In case of reimbursement claim request, have your car towed or driven to the nearest garage and get it repaired. You will have to pay the garage for the repairs and later have the amount reimbursed by the insurer

Car Insurance Inclusions and Exclusions

Car insurance in Ahmedabad comes with certain inclusions and exclusions such as:

• Inclusions:
  • Damage/loss as a result of natural calamities
  • Third-party liabilities
  • Damage/loss in case of theft
  • Damage/loss as a result of man-made calamities
  • Own damage liabilities
• Exclusions:
  • Damage/loss if the driver was underage or didn’t have a valid license
  • Damage/loss if a private vehicle was being used for commercial purpose and vice-versa
  • Damage/loss when the policy has expired
  • Damage/loss if the driver was under the influence of alcohol or drugs
  • Damage/loss due to nuclear perils or wars

Car Insurance Add-ons Offered in Ahmedabad

Insurers in Ahmedabad offer certain add-ons with the comprehensive car insurance policy to increase the insurance coverage, a few of them are mentioned below:

• Engine and Circuit Protect Cover
• Key Replacement Cover
• No Claim Bonus Protection Cover
• Zero Depreciation Cover
• Return to Invoice Cover

Discounts Offered on Car Insurance Premiums in Ahmedabad

Insurers in Ahmedabad offer a n umber of discounts on the car insurance premium, a few of them are mentioned below:

• Discount if you have opted for a higher voluntary deductible
• Discount if you are a member of any automobile associations in India
• Professional Discount
• No Claim Bonus Discount
• Discount if you have installed ARAI approved safety devices in your car