Car Insurance Kolkata

Kolkata is one of the metropolitan cities in India. As one of the main hubs in India in terms of rich culture and commerce. The city faces heavy traffic, though less compared to Chennai, Bangalore and Delhi and has its own share of accidents taking place. Hence, it is vital that the car owners in the city have a good car insurance that protects them from unforeseen liabilities.

Types of Car insurance Available in Kolkata

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

• Comprehensive Car insurance

A comprehensive car insurance cover is an insurance plan that covers own damage liabilities as well as third-party liabilities at the time of a mishap.

• Third-party Liability Cover  A third-party liability cover is an insurance plan that covers third-party liabilities at the time of a mishap.

Top Car Insurers in Kolkata

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

• ICICI Lombard
• HDFC ERGO
• Future Generali General Insurance
• SBI General Insurance

Car Insurance Policy Purchase and Renewal in Kolkata

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 website of the insurer or third-party insurance websites to purchase or renew car insurance. You can use a credit card or debit card or netbanking to pay for the insurance plan.

• Offline Purchase/Renewal of Car Insurance Policy

You can visit the nearest branch office of the insurer or meet with an insurance agent to avail a car insurance plan that suits your insurance needs within your budget.

Car Insurance Claim Process in Kolkata

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
• Raise a claim request with the insurer
• File an FIR report at the nearest police station and obtain copy of the same
• The insurer will send an authorised surveyor to assess and make note of the total damage or loss incurred
• Submit the copies of the necessary documents to the surveyor and get them cross-verified with the originals
• If your documentation is in order, the surveyor will approve for your car to be repaired
• In case of cashless claim, take your vehicle to the nearest cashless garage and get it repaired. The insurer will cover the expenses for the repairs
• In case of a reimbursement claim, have your car towed or take it to the nearest garage and have it repaired. Pay for the repairs yourself and have the amount reimbursed by the insurer

Car Insurance Inclusions and Exclusions

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

• Inclusions:

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

• 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 if a private vehicle was being used for commercial purpose and vice-versa
  • Damage/loss due to nuclear perils or wars

Car Insurance Add-ons Offered in Kolkata

Insurers in Kolkata 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
• No Claim Bonus Protection Cover
• Return to Invoice Cover
• Zero Depreciation Cover
• Engine and Circuit Protect Cover

Discounts Offered on Car Insurance Premiums in Kolkata

Insurers in Kolkata 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 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