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Did you know in case of your car breaks down, you are entitled to get a pickup service
while your car get a towed service under certain policies?
Did you know that you can extend third party property damage liability up to 7,50,000 under this policy with some additional premium?
Did you know that by paying additional premium, depreciation during replacement
of car parts can be waived?
Did you know that repair to your accidentally damaged vehicle can be arranged cashless
through the selected garages across the country?
Did you know that you can cover any damage of your windscreen glass by paying some
additional premium without your no claim bonus getting affected?
Did you know that Engine Protection cover shields engine damages not related to accidents and and keeps engine-related repair expenses financially protected?
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Car Insurance, alternatively known as motor insurance or auto insurance is a specific policy that you buy for the protection of your vehicle against any sort of damages due to inescapable or unfortunate accident. Since India is a country mainly known for its vast population, car accidents have become a daily drama here. No matter how safely you drive your car or how responsibly you manage your vehicle, accidents can happen just as fast as we blink isn’t it? Imagine this: you parked your car outside a shopping mall and when you come back from shopping after a couple hours, with a bolt from the blue you discover a big dent on the back of your car. How do you deal with such situation? Well, fortunately, that’s when your online car insurance policy comes into its role play.
Car insurance policies can literally serve you more than you can ever think. The importance of car insurance in India is directly linked to the law imposed by the Government of India. As per Motor Vehicles Act, 1988, it’s mandatory for all motorists to possess at least the third motor insurance. Having car insurance in India is important as it covers all the costs incurred from such events of vehicle damage or injuries done to other driver, pedestrians or passenger involving your vehicle. Online car insurance policies also play a vital role by providing coverage against various loss or damage to your vehicle resulting from Theft, Accident, Fire or Explosion, Lightening, Self Ignition, Strikes, Riots, Disaster, Act of Terrorism, Transit by Rail, Road, Air and so on depending on the type online car insurance plan you choose. To enjoy the benefits of an auto insurance coverage in India one needs to pay for the premium on their car insurance policy.
In general, you will be offered two types motor insurance covers by a car insurance company within their car insurance plans. The Two types of motor insurance plans are Third Party Liability Car Insurance Coverage and Comprehensive Car Insurance Coverage.
The first party who is the owner of a four wheeler buys a motor insurance policy from the second party that is the car insurance company for the protection against the claims of a third party that can be a driver of another vehicle, passengers or even pedestrians. Third Party car insurance policy is specifically designed to cover any property damages or bodily injuries to a third party caused by your vehicle. It’s obligatory to have third party car insurance for all motor vehicles piling on road in India.
Comprehensive car insurance is an optional car insurance policy that comes with higher level of protection for your vehicle. The best advantage of buying comprehensive car insurance in India is that it protects your own vehicle against various damages arising from accident, fire, vandalism or even theft plus it also takes care of the third party liability claims. Some extra features and benefits are offered with comprehensive car insurance plan by the best car insurance company in India. Given that the comprehensive auto insurance policy covers both third party damages and own damages, it’s the best car insurance plan for your four wheeler. At GIBL.IN, simply fill a form, compare and get the best comprehensive car insurance plan for your vehicle.
Like the name suggests, add on covers for motor insurance stand for additional coverage that are not included with a comprehensive auto insurance plan. To purchase add on cover for your vehicle, you’ll have to make some extra payment along with your car insurance premium. Best car insurance companies in India offer auto insurance policy buyers with a broad range of effective add on covers and attractive discounts. Car insurance company offers various add on covers from which you can pick as per your requirements for your four wheeler insurance. You can choose one or multiple add on covers for your auto insurance. Including add on covers in your motor insurance policy is subject to your car insurance premium. Some of the best add on covers for car insurance policies are following.
The car insurance company will calculate depreciation on certain parts of your vehicle at the time of claim settlement. This procedure leads to getting less claim amount. However, purchasing Zero Depreciation or Nil Depreciation cover for your auto insurance policy entitles you to get the full amount on your claim.
Car engine is not covered by an auto insurance policy in general. Engine Protect cover pays for any engine-related repairs or damages that are not related to accidents. This add on cover is mainly suggested for the owners with high end cars. Engine protector can be purchased in a policy for the cars up to three years of age.
This is a very crucial add on to consider for your motor insurance policy. Car insurance company provides round-the-clock services like towing, refueling, change of flat tyre, arranging for a mechanic in case of vehicle breakdown under Roadside Assistance cover.
No Claim Bonus is an additional discount on premium offered by car insurance companies to their policyholders for not filing any claim during a policy term. This discount is applicable on your auto insurance premium. This add on cover can help you save money on your car insurance premium by up to 50% on the basis of claim free years on your policy.
There’s no denying the fact that the best deal for car insurance policies can be found online without hassle. You can even avail the lowest priced car insurance policy effortlessly if you compare car insurance policy online. Car insurance comparison online in India can literally open up a new yet innovative direction in terms of finding the best car insurance plans. The answer to such questions like “How to find the best car insurance policy?” is directly or indirectly linked to the online comparison of various auto insurance policies. When you buy car insurance policy online, you can certainly be a gainer if you compare car insurance. You can compare the car insurance quotes offered by different insurers online easily. GIBL.IN lets you compare various car insurance policies offered by top car insurance companies in India and help you procure the best motor insurance plan.
The answer is simple; you should not compromise while buying or renewing online car insurance policy. Not all auto insurance companies offer the same features for their car insurance plans. Only the best motor insurance company can offer you the best car Insurance quotes. That too can be found easily when you compare motor insurance policy online. You can specifically see for yourself all the features and benefits that are being offered by different auto insurance company and choose only those policies that match your requirements and budget when you compare car insurance online.
Be assured of getting the best car insurance policy when you compare motor insurance policy online. Comparison of different motor insurance plans at GIBL.IN certainly enables you unearth the best deals while buying car insurance online in India.
While shopping around for online car insurance in India, most people only check with the car insurance companies they are familiar with. You may have known about these car insurance companies through your friends on via commercials on the TV. However, these auto insurance companies can certainly be popular but they may not be the best option for you when it comes about buying best online car insurance in India at lower rates. The more online car insurance quotes you get, the better your chances of finding the cheapest priced car insurance policy. By running an instant comparison of various online car insurance quotes, you can avail best car insurance policies.
Car insurance online certainly has a plethora of benefits to offer. The list of advantages for car insurance comprises of the following.
Motor insurance renewal has the same amount of significance as buying car insurance online in India. Not only can you buy auto insurance online but you can renew can insurance online also. Do keep in mind to renew car insurance before it expires. Car insurance renewal can be done anytime online. You can effortlessly get car insurance quotes even at the time of online car insurance renewal. You can renew car insurance for an old car as well if you consider car insurance policy renewal online. Online car insurance policy renewal is time saving and convenient.
The process of motor insurance renewal is easy, fast and convenient. To renew your auto insurance, all you have to do is log into an insurance broking portal. Thereafter enter the required details related to your vehicle and previous auto insurance policy. After that, you’ll receive free car insurance quotes on your four wheeler insurance renewal. Compare those quotes and choose the suitable coverage for your car insurance renewal online. It’s wise to look for some additional features or plans offered by other insurers and compare them when you go for motor insurance renewal online. In just a click of your mouse you can instantly perform your car insurance renewal process.
If you buy or renew vehicle insurance policy online, it doesn’t mean that car insurance company will cover every damages in all circumstances. Car insurance exclusion stands for a provision within an auto insurance policy that eliminates coverage for certain acts or damages and they include the following.
The process of purchasing online car insurance policy is easier than you think. You can get online car insurance quotes in a matter of minutes on purchase of both new policies or renewal of old car insurance policies. You can purchase or renew auto insurance policies online directly from the website of any individual insurers or, you can also buy auto policies from an insurance broking portal, which is, judging from various aspects is the best way to buy or renew motor insurance policies in India. Because insurance broking portals present you a broad ground of choices to pick and select from and guide you thoroughly so you can avail the best car insurance plan when you buy or renew auto insurance policy online. You can compare motor insurance policy online and thereafter choose a plan as per your requirements.
So if you are having trouble finding the cheapest and best car insurance online plans, give us the pleasure to guide you to the right direction. Simply fill a form at GIBL.IN, get top car insurance quotes, compare them as per your needs and insure your vehicle instantly in a few minutes.
The following lists of online car insurance companies are considered as the providers of best car insurance in India. You can buy the best car insurance plans for your car from any of these vehicle insurance providers. In early days, owners of car in India used to prefer public insurers to buy car insurance, however, in recent times people are resorting to private insurers to fulfill their online insurance requirements to safeguard cars. Here is a list of companies that offer best car insurance in India.
When it comes to best car insurance in India, Tata AIG can well be your best option to buy online insurance for car from. This provider of motor insurance provides customers with a range of exclusive benefits. Advantages like zero deduction on salvage, NCB protection for making claims on plastic, fibre, glass and rubber parts, claim settlement in 7 days and a set of 12 unique add-on covers make Tata AIG motor insurance a lucrative proposition.
ICICI Lombard is one of the largest private insurers in India. Motor insurance policies available with this provider come with benefits like Roadside Assistance, Garage Cash Cover along with instant issuance of online car insurance plans and insurance renewal of car online. If you buy online insurance for your car from ICICI Lombard you can avail cashless facilities in more than 3500 garages across India.
United India Insurance Company Limited was incorporated on 18 February 1938 and thereafter it was nationalized in the year 1972. The company offers motor insurance policies for all four wheeler vehicles ranging from two-wheeler to commercial vehicles to the private cars. Various car insurance plans are offered by United India Insurance Company Limited. The company holds a good reputation in terms of treating and valuing their customers rightly. This insurer offers discounts to their car insurance policy buyer and also offers No Claim Discount (NCB) the percentage of which ranges from 20% to 50%.
Being a public insurer, Oriental Insurance Company is one of the most trusted providers of vehicle insurance in India. Online car insurance plans on offer at Oriental Insurance offer policyholders free emergency service that you can avail in case your insured car breaks down. Oriental motor insurance plans also provide alternative car benefit and cover of personal items to the owners of the car. Keeping these value-added services in mind, Oriental motor insurance plan is one of the best car insurance in India.
Another player from public sector, New India Assurance also offers one of the best car insurance in India. Apart from all regular coverage New India car insurance plans also provide owners of the insured car with free towing facility up to a maximum of Rs. 1500. Being rated A (Excellent) by an international agency, New India boasts a very impressive claim settlement ratio as well. Decision on any claim made on New India motor insurance is made within 3 days and grievances of customers who insure cars with New India Assurance are resolved within 15 days.
One of the most popular private sector general insurance companies, HDFC ERGO also offers best car insurance in India. With over 3400 cashless garages to take care of your damaged car, personal accident coverage up to Rs. 2 Lakhs and a highly dedicated customer service to resolve grievances and settle claims, HDFC ERGO car insurance are also among the best car insurance plans that you can buy for your own car.
Car insurance is an essential requirement. And it is mandatory by law too, as per the Motor Vehicles Act 1988. The numbers of vehicles on road have gone considerably high throughout the past few decades. India is a country of diversity as well as of uncertainties. You can witness more motor vehicles in the street than pedestrians nowadays. The conditions of the metropolitan cities are even worse.
With the rising numbers of cars in the street have risen the numbers of accidents as well. On an average, approximately 400 deaths per day are witnessed from a vehicle accident while over 1200 road crashes occurs every day in India. All these statistics certainly calls for robust safety measures to keep the life of yours as well as your family protected against any unforeseen vehicle accident.
Apart from that, an accident of your vehicle can cause you a hefty amount for the repairing or the replacement. A comprehensive car insurance policy, therefore, is highly recommended to have the ultimate level of security as well as peace of mind in the course of your car ride. Everyone wants to have the best car insurance policy for themselves, and there isn’t anything wrong in this.
It’s our right to have the best policy since we are putting our hard earned money on the protection of our vehicle. Still a big chunk of the motor owners only go for the compulsory third party motor insurance policy. They don’t go for the comprehensive auto insurance plan; and this decision could be, in turn, a blunder in case of an accident or serious injury or damage due to an accident.
However, you will have to keep a few things in mind if you want to avail the best car insurance policy in India at the lowest price with extensive coverage.
Apart from these above-mentioned points, make sure that you consider the numbers the cashless network of garages of an insurance provider. The highest the numbers of cashless garage is registered with an insurer the better it is for you. You should go for a motor insurance provider that has the broadest network of cashless garage that offers cashless claims throughout the country. Also, make sure that the company you choose for auto insurance renewal offers 24/4 customer service assistance.
Keeping the above mentioned points in mind before buying or renewing your car insurance policy online will certainly help you unearth the best motor insurance coverage at the lowest premium. Comparison is the most important tool in terms of availing the best car insurance coverage. Compare the car insurance policies from various top insurers in India at GIBL.IN and find the best car insurance policy at the lowest guaranteed premium.
The reason you compare car insurance online and buy insurance online is to get financial assistance from your car insurance company when you make cashless claims on your online motor insurance policy. Auto insurance companies pay out financial compensation when they approve cashless claims. So, you have to file a valid cashless auto insurance claim to get it approved by your insurer. Best car insurance companies in India take care of third party liabilities and damages to the insured vehicle upon approval of cashless claims. Since, cashless auto insurance claim process differs in different situations, you have to be aware of all the claim procedures so that you can make valid cashless insurance claim and get assistance from your car insurance company in the time of need.
Car Insurance Online Cashless Claim Process for Damage to the Insured Vehicle
In case of massive damage, the following are the steps to make a successful cashless car insurance claim with your motor insurance provider:
If the damage is minor, here are the steps to file a cashless motor insurance claim
For cashless motor insurance claims, you can get your damaged insured vehicle from the nearest cashless garage in the network of your car insurer. You can also make motor insurance reimbursement claim on your online car insurance policy in India.
Online Motor Insurance Claim Process for Third Party Liabilities
Vehicle insurance online claim process to cover third party liabilities is different than motor insurance claim procedures for own damages. In case, your insured vehicle causes any third party damage or casualties, you first have to inform your car insurance company and follow their instructions. And then need to admit any insured third party person to the nearby hospital.
Vehicle Insurance Claim Procedure If Your Car Gets Stolen
For stolen cars, policyholders have to follow a different procedure
Thus, you should go through your car insurance online policy document to understand the claim process successfully. In case of any of these unfortunate events, your online car insurance policy document will help you registering claim successfully.
To buy car insurance policies online, you have to pay an amount as a premium. But your car insurance premium amount or car insurance quotes online can change from one place to another.
Car insurance quotes online in India depend on some parameters. To calculate online car insurance quotes you need to look at the following criteria:
Apart from these, if you make online car insurance quotes comparison of two vehicles of the same age, car insurance quotes online will vary in terms of cubic capacity and location.
GIBL.IN is the fastest growing online insurance marketplace from where you can easily and instantly compare various general insurance policies offered by different reputed insurance companies in India and buy or renew your policy with the highest coverage at the lowest premium. We are tied-up with the top providers of motor insurance policies across the nation. Our goal is to bring affordable insurance policies to the entire population of the country. Our team is dedicated at providing any required assistance regarding policy premium payment, claims etc. and much more.
We let you compare the premium of different motor insurance companies. Simply visit GIBL.IN, click on car insurance, check-box ‘’on’’ for new or renewal, choose your previous insurance provider and enter your policy expiry date and click on ‘’Buy Instant Policy”. Thereafter, enter your RTO and car details and proceed to the quote comparison page.
We understand that one quote doesn’t fit for all and this is the reason we have something different to offer to all our buyers of car insurance. We also understand that you invest your hard earned money in buying car insurance to get the financial benefits at the time of an unforeseen incident. This is the reason we do everything to make sure each of our customers get the best car insurance policy and that too, at the lowest premium.
We also have our GIBL Mobile App that lets you buy or renew your car insurance on the go. So what are you waiting for? Choose GIBL.IN today to avail the broadest coverage with your car insurance at the lowest premium.
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