Car Insurance Hyderabad

Hyderabad is one of the metropolitan cities in India and experiences heavy traffic especially during the peak hours when people leave for schools, offices, etc. Having a car insurance in Hyderabad is vital as it protects the policyholder from unforeseen liabilities in case of an unfortunate mishap.

Types of Car insurance Available in Hyderabad

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

• Comprehensive Car insurance

A comprehensive car insurance plan is a motor 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 plan is a motor insurance policy that covers third-party liabilities at the time of a mishap.

Top Car Insurers in Hyderabad

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

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

Car Insurance Policy Purchase and Renewal in Hyderabad

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/renew a car insurance policy by visiting the insurer’s official website or third-party insurance website. You can make the purchase via any of the online payment methods, credit card, debit card or online payment.

• Offline Purchase/Renewal of Car Insurance Policy

You can visit the nearest branch office of the insurer or meet with any of the insurance agent in order to purchase or renew car insurance policy that will cover all your motor insurance requirements.

Car Insurance Claim Process in Hyderabad

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 takes place
• Inform the nearest police station and file an FIR
• Raise a claim request with the insurer
• A surveyor will be sent by the insurer to assess the total loss and damages incurred as a result of the insurance policy
• Submit the relevant documents to the insurer and get the copies of the documents verified with the originals
• Once your documentation has been verified and has been processed, the surveyor will approve for your car to be repaired
• Take your car or get it towed to the nearest cashless garage and get it repaired, in case of a cashless claim
• The insurer will pay for the repairs in case of a cashless claim
• In case of a reimbursement claim, have your vehicle towed or drive it to the nearest garage and have it repaired
• You will have to cover the repair expenses and later have the amount reimbursed from the insurer

Car Insurance Inclusions and Exclusions

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

• Inclusions:
  • Third-party liabilities
  • Own damage liabilities
  • Damage/loss as a result of man-made calamities
  • Damage/loss as a result of natural calamities
  • Damage/loss in case of theft
• Exclusions:
  • 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
  • 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

Car Insurance Add-ons Offered in Hyderabad

Insurers in Hyderabad 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
• Engine and Circuit Protect Cover
• Zero Depreciation Cover
• No Claim Bonus Protection Cover

Discounts Offered on Car Insurance Premiums in Hyderabad

Insurers in Hyderabad offer a n umber 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 are a member of any automobile associations in India
• Discount if you have opted for a higher voluntary deductible
• No Claim Bonus Discount
• Professional Discount