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No one should buy a car insurance because it is enforced on you by the law. You should always buy an insurance because it is the need and want for the vehicle and you. And you shouldn’t stop there, it is important to know the extent of cover for the type of insurance you have chosen. This will help you in claims and renewals where you can avail the benefits if all the details and situations are in par with the policy specifications.
Please note that buying a minimum policy that is the third-party policy is not enough, buying a comprehensive policy that provides a complete protection for a longer run is important. If you purchase add-on covers like zero-depreciation, return to invoice cover, anti-theft device cover, etc. it will not only add more value to the policy, but will also increase the extent of cover in the event of accidents and mishaps. It is only optional that you purchase these covers and not mandatory. However, covers like zero-depreciation will save you from depreciation calculation while claiming for a damage. Read the documents carefully before signing on them and a proper research online wouldn’t hurt either. Insuring the car you bought with the blood and sweat earnings of your own, is just as important as enjoying driving the beautiful machine.
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