Car Insurance Chennai

Chennai is one of the metropolitan cities in India that faces heavy traffic and reports an increasing number of accidents every year. Therefore, having a car insurance in Chennai is necessary.

Types of Car insurance Available in Chennai

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

• Comprehensive Car insurance

A comprehensive car insurance is an insurance policy that covers third-party liabilities and own damage liabilities at the time of a mishap.

• Third-party Liability Cover

A third-party liability car insurance is an insurance policy that covers third-party liabilities at the time of a mishap.

Top Car Insurers in Chennai

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

• ICICI Lombard General Insurance
• Bharti AXA General Insurance
• Royal Sundaram General Insurance
• United India Insurance

Car Insurance Policy Purchase and Renewal in Chennai

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 visit the official or third-party insurance website to renew or purchase a car insurance policy. Online purchase or renewal of car insurance policy is hassle-free and comes with paperless documentation.

• Offline Purchase/Renewal of Car Insurance Policy

You can also visit the nearest branch office of the insurer or meet with an insurance agent to buy a car insurance policy.

Car Insurance Claim Process in Chennai

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:

• Inform the insurer as soon as the mishap happens
• File an FIR at the nearest police station
• Raise a claim request with the insurer; cashless or reimbursement claim request
• The insurer will send an authorised surveyor to assess the total loss incurred as a result of the accident
• Submit the copies of the relevant documents as instructed by the surveyor and get them cross-verified with the originals
• Once your documentation has been processed and verified, the surveyor will approve for your vehicle to be repaired
• In case of a cashless claim, take the car insurance to the nearest network garage and have it repaired
• In case of a reimbursement claim, take the car insurance to the nearest garage and have it repaired
• In case of a cashless claim, the insurer will cover the expenses for the repairs while in case of reimbursement claim, you will have to pay for the repairs and later get the amount reimbursed by the insurer

Car Insurance Inclusions and Exclusions

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

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

Car Insurance Add-ons Offered in Chennai

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

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

Discounts Offered on Car Insurance Premiums in Chennai

Insurers in Chennai offer a number of discounts on the car insurance premium, a few of them are mentioned below:

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