Car Insurance Noida

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. Places in India like Noida, Kolkata, Delhi, etc. face traffic issues everyday and is prone to high number of accidents. Hence, having a car insurance protects the car owners in such cities against unforeseen liabilities arising due to mishaps such as theft of the vehicle, accident, natural calamities, etc.

Types of Car insurance Available in Noida

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

• Comprehensive Car insurance

A comprehensive car insurance plan offers an extensive car insurance coverage by covering third-party liabilities as well as own damage liabilities at the time of a mishap. A comprehensive car insurance plan offers an overall financial protection against liabilities at the time of mishap.

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

Top Car Insurers in Noida

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

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

Car Insurance Policy Purchase and Renewal in Noida

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 via official website of the insurer or third-party insurance website. The process of online policy purchase or renewal is hassle-free, easy and requires minimal documentation. You can pay for the same using credit cards, debit cards or netbanking.

• Offline Purchase/Renewal of Car Insurance Policy

You can also purchase or renew your car insurance policy offline by visiting any of the nearest insurance branch 0ffices or meeting with a licensed insurance professional who will guide you and help you buy the best insurance policy that meets all your car insurance requirements.

Car Insurance Claim Process in Noida

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:

• Intimate the insurer by calling the respective customer care team or by visiting the nearest branch office
• Raise a claim request
• File an FIR at the nearest police station and obtain a copy of the same
• An authorised surveyor will be sent to inspect the vehicle and assess the total loss or damage incurred
• Submit the relevant documents to the surveyor and have the copies of the same cross-verified with the originals
• Once your documentation is in order, you will be permitted to get your car repaired
• In case of a cashless claim, take your car to the nearest cashless garage and have it repaired. The insurer will pay for the repairs
• In case of a reimbursement claim, take your car to the nearest garage and have it repaired. 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 Noida comes with certain inclusions and exclusions such as:

• Inclusions:
  • Own damage liabilities
  • Damage/loss in case of theft
  • Damage/loss as a result of natural calamities
  • Damage/loss as a result of man-made calamities
  • Third-party liabilities
• Exclusions:
  • Damage/loss if the driver was under the influence of alcohol or drugs
  • Damage/loss when the policy has expired
  • 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 Noida

Insurers in Noida 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
• Return to Invoice Cover
• No Claim Bonus Protection Cover
• Key Replacement Cover
• Zero Depreciation Cover

Discounts Offered on Car Insurance Premiums in Noida

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

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