Car Insurance Gurgaon

As per the Motor Vehicles Act, it is mandatory for every vehicle plying on the roads in India to be insured with at least a third-party liability cover. Cities like Gurgaon, Delhi, Mumbai, etc. face high traffic, especially durn the peak hours when people go for work, kids go to schools, etc. Such places also have high number of car accidents happening, due to rash driving, breaking traffic rules, etc. hence, having a car insurance is a priority in such places.

Types of Car insurance Available in Gurgaon

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

• Comprehensive Car insurance

A comprehensive car insurance cover serves as an overall protection plan in the face of a mishap. The comprehensive car insurance plan protects the policyholder from own damage liabilities and third-party liabilities.

• Third-party Liability Cover A third-party liability car insurance plan covers third-party liabilities that one incurs at the time of a mishap. This insurance plan offers limited insurance coverage.

Top Car Insurers in Gurgaon

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

• Bharti AXA General Insurance
• Bajaj Allianz General Insurance
• SBI General Insurance
• Future Generali General Insurance
• HDFC ERGO

Car Insurance Policy Purchase and Renewal in Gurgaon

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 car insurance online by visiting third-party insurance websites or official website of the insurer. You can pay via credit card or debit card or netbanking for the car insurance policy. The process requires less documentation and is hassle-free.

• Offline Purchase/Renewal of Car Insurance Policy

You can also make the policy purchase or renewal offline by visiting the nearest branch office of the insurer or meeting with an experienced insurance agent who can help you pick the best insurance plan that serves your motor insurance needs.

Car Insurance Claim Process in Gurgaon

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 insurance firm as soon as the mishap takes place
• Do not move your vehicle from the spot of incident until the insurer asks you to move it
• Register your claim request with the insurer
• An authorised surveyor will come and inspect your vehicle to assess the total damages/loss incurred
• Submit copies of the relevant documents as instructed by the surveyor and have them cross-verified with the originals
• Once your documentation is in order, the surveyor will permit you to have your vehicle repaired at the nearest garage
• In case of a cashless claim, have your car towed or drive your car to the nearest network garage and get it repaired. The insurer will pay the garage for the repairs made
• In case of a reimbursement claim, have your car towed or drive your car to the nearest garage and get it repaired. Pay for the repairs yourself and have the amount reimbursed by the insurer

Car Insurance Inclusions and Exclusions

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

• Inclusions:
  • Damage/loss in case of theft
  • Damage/loss as a result of man-made calamities
  • Own damage liabilities
  • Damage/loss as a result of natural calamities
  • Third-party liabilities
• Exclusions:
  • Damage/loss when the policy has expired
  • 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
  • Damage/loss due to nuclear perils or wars
  • Damage/loss if a private vehicle was being used for commercial purpose and vice-versa

Car Insurance Add-ons Offered in Gurgaon

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

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

Discounts Offered on Car Insurance Premiums in Gurgaon

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

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