How to File a Claim with Your Car Insurance Provider?

Car insurance claim is the only hope left for you in case you meet any damage or loss to your vehicle causing from an unforeseen accident. Therefore, you must be very careful in terms of filing a car insurance claim with your insurance provider. In case you file a claim without providing the right details in support of your claim or lying regarding the damage of your claim will result in the rejection of the claim. So you must know how to file a claim.

There are different types of procedures for filing claims for different sort of car damages or loss. For instance, the own damage claim procedure will be different from the liability on claim procedure. Find out the different types of claim procedures on your car insurance policy below.

Car Insurance Claim Procedure for Filing Accidental Damage to the Vehicle

• Intimate immediately to the nearest office of your motor insurance provider from where you will be issued a Claim Form. You can also download the claim form from the website of your car insurance provider online.
• Submit the duly filled Claim Form along with a copy of driving license of the vehicle’s driver when the accident took place and Registration Certificate to estimate the costs of repairs.
• Your vehicle will be surveyed by a Surveyor sent on behalf of the car insurance company. The surveyor will be responsible for submitting his report to the company. A spot survey, at the site of an accident, would also be initiated by the company in case of major loss or damage to the car.
• Cash memos /Final bills are to be submitted duly signed by the insured.
• Salvage of the damaged parts of your vehicle may be needed to be deposited with the insurance company after the claim gets approved.

Car Insurance Claim Procedure in Case of Theft of the Vehicle

• Immediately after the theft, lodge an F.I.R. (First Information Report) with the nearest police station without any delay.
• Notify the policy issuing office with a copy of F.I.R.
• As soon as it is received, submit the Final Police Report.
• Extend full cooperation to the investigator/surveyor appointed by the company.
• After your car insurance claim is approved by the car insurance company, get the Registration Certificate transferred in the name of the company. Hand over the keys of the vehicle; submit a letter of Indemnity and Subrogation on stamp paper duly notarized.

Car Insurance Claim Procedure for Filing Liability Claim

• Inform your car insurer immediately of any incident that could to give rise to a liability claim.
• The same should be sent to the company immediately on receipt of summons from Court.
• Claim Form is to be submitted after it has been duly filled in along with copies of Driving License, Registration Certificate, and FIR etc.

One thing you must keep in mind in terms of buying or renewing car insurance that you only go for the top best insurers in India to experience a smooth claim procedure. At GIBL.IN you can easily compare a number or car insurance policies on offer from the top motor insurance providers and go for the one on the basis of your requirements and budget.

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How to Find Out the Best Car Insurance Policy in India

Car insurance plans are available aplenty in India. To make an informed choice, you need to know the right ways finding out the best car insurance policies in India. You need to compare car insurance online plans to find out the best plans. Here are some of the ways to trace out the best car insurance policy as per your requirements. Let’s start with what should you do to avail a motor insurance policy.

Do a Thorough Research

There are numerous car insurance companies in India that offer a wide range of online car insurance plans with varied features. If you do exhaustive research on all available vehicle insurance policies you can pick the best policy. While researching, you need to compare car insurance plans in terms of various features such as premium, coverage, and exclusions.

Assess What Is Covered

When you compare car insurance plans you need to assess which plan covers what and what not. Not all car insurance policies cover all sorts of expenses. So, you need to select a policy that covers those expenses that you need to be covered. You should avoid car insurance plans with a long list of exclusions.

Go Through the Car Insurance Plans Carefully

Once you find the best car insurance policy, you should read the terms and conditions regarding claim, cancellation, renewal very carefully. Make the payment online to buy the best car insurance in India only when you are absolutely fine with the terms and conditions of your chosen insurance plan.

Look for Wide Network of Cashless Garages

All car insurance companies in India provide policyholders with cashless garages facility in their network. This feature of car insurance plans is highly beneficial as you don’t have to pay a single rupee from your pocket to repair your car. You should settle with that motor insurance policy that comes with an extensive network garages so that you can easily find a garage in your vicinity in the moment of need.

Ask Around for Feedback

You should ask for feedback on car insurance plans that your friends and relatives have bought in India. This is a very reliable way of gaining information on different types of car insurance policies and also about the performance of different car insurance companies operating in India.

Submit Necessary Documents

You need to submit all the required documents in order to buy car insurance plans in India. You should clarify everything about your car during purchasing a policy.

These are the things that you should do to find out the best car insurance in India. Once you find what you are looking for you need to ensure timely renewal of car insurance plans. You can buy car insurance policies from the renowned insurance broking portal GIBL.IN. As 32+ insurers are associated with this portal, you can get the opportunity to choose insurance policies from ample options. Hence, why are you waiting for? Just go and grab your motor insurance plans.

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Benefits of Online Car Insurance Renewal

Almost all the most important things and requirements are fulfilled online. And even if services are not available yet, they will be soon in the coming years. However, the purchase and renewal of car insurance online is available. Almost all the motor insurance companies now let their customers renew or buy car insurance by simply visiting the official website of their company. There are still many people out there who still opt for the old offline method when it comes to the renewal of their car insurance policy. This can result in them to pay a hefty premium for coverage that is not even enough for them. But when you renew your car insurance online, you are automatically entitled to avail a number of special benefits and features.

• Online Car Insurance Saves Time: When you go for the online renewal of your car insurance policy you no longer have to waste a lot of time since you can easily do that by simply visiting the official website of your insurer. All you will be required to do is just enter your policy number, enter the necessary details, get a quote, pay the premium online via credit/debit card or net banking and that’s it, you will be done with the renewal of your car insurance online.
• A Wide Range of Variety to Choose From: You can always switch your existing or previous car insurance online provider when you go for renewal. Since there are a number of auto insurance online policy providers in India, you can choose your preferred insurer without facing any issue. You can also make sure of an online insurance comparison and broking portal such as GIBL.IN where you will get access to the top car insurance renewal quotes from different motor insurance companies at the click of the mouse.
• Availability to Compare Car Insurance Renewal Quotes: You can compare a number of car insurance renewal quotes online when you go for car insurance renewal through an online insurance comparison portal. Car insurance comparison online will help you find the best coverage at the lowest premium.
• Get Attractive Discounts: Some of the car insurers offer an attractive discount on premium when you go for online car insurance renewal. This way you wouldn’t have to pay an exorbitant premium.
• Instant Renewal of Expired Policy: Got your car insurance expired and need to renew it instantly? Bother not, you can instantly to so by uploading the RC Documents online. At GIBL.IN you can instantly renew the policy for your expired car insurance without facing any hassle.

Whatsoever car insurance plan you choose to buy, always make sure that you don’t forget to compare various car insurance policies on offer online to have the best coverage at the lowest premium. Not all car insurance companies will offer the kind of insurance coverage you are actually seeking. However, at GIBL.IN, you can easily renew your car insurance policy with an insurer that offers total protection at a lower premium.

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Different Types of Car Insurance Coverage

Car insurance is an integral part in terms of protection against any unforeseen circumstance arising out of accidental damage or loss. There are mainly two types of coverage available with car insurance policies. However, not everyone knows what each of these car insurance plans covers. It’s very important to educate yourself regarding the different types of cover available with your motor insurance policy and you must also know what is covered under each plan. Let’s figure out what the two different types of car insurance policies cover bellow.

Third Party Liability Only Car Insurance Policy Coverage

The liability only motor insurance policy covers the vehicle owner's legal liability claims to pay compensation for the followings:

• Bodily injury of a third party
• Death of a third party person due to an accident.
• Damage to any third party property.
• Liability is covered for an unlimited amount with regard to the injury or death and damage to third party property for a sum of Rs.7.5 lacs under Commercial vehicle and private cars.

Comprehensive Car Insurance Policy Coverage

Comprehensive or package car insurance policy covers both third-party legal liability and own damage. This is the best motor insurance plan that you must go for. Find out what comprehensive car insurance policy covers below:

• Damage to your vehicle due to self-ignition, fire, lightning, explosion.
• Housebreaking, burglary, theft.
• Inundation, Flood, Typhoon, Hailstorm, Hurricane, Cyclone, Storm, and Tempest
• Strike and riot.
• Earthquake (Fire and Shock) Damage.
• Accidental external means.
• Malicious Act.
• Terrorist Act.
• Ad damage or loss to the car while it is in transit through road, inland waterway, lift, elevator, rail, air etc.
• Damage from landslide/Rockslide

It’s however suggested to go for the comprehensive protection since this plan comes with both third-party coverages as well as own damage cover. However, before you buy or renew your car insurance policy with any particular insurer, make sure you compare car insurance online to avail the best coverage at affordable prices. At GIBL.IN you can instantly and easily compare a number of car insurance policies from the top insurance companies and renew auto insurance your policy without any hassle.

To know more information about Car Insurance Coverage visit our website GIBL.IN.

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Got Your Car Insurance Claim Rejected By the Insurer? These Could Be the Possible Reasons

It could be a painful experience both financially and emotionally if your car insurance claim is rejected by the insurance company. Too many claims get rejected by the insurance providers on a daily basis. The reason behind the rejection of a motor insurance claim could be countless. In most cases, our own negligence results in the rejection of auto insurance claim.

Car insurance claims are filed to seek compensation from the insurer in case of any damage or loss to the vehicle. A rejection of car insurance claim could mean that you will have to pay the repairing costs from your own pocket. I’ll discuss here some of the possible reasons behind the rejection of your auto insurance claim.

• Using Your Car For Different Purpose: If you use your car for commercial purpose but you bought car insurance online plan for personal use, your car insurance claim will be rejected instantly.
• Driving Under the influence: Motor insurance is important in case of an unfortunate accident or theft. If the car insurance company finds out that the mishap happened because you were driving under the influence of alcohol or drugs, your vehicle insurance claim will be turned down immediately.
• Invalid License: Your car insurance claim may be rejected if you don’t have a valid license. If your license is fake or has expired, or you have a license for a different vehicle category, your motor insurance claim may get rejected.
• Your Own Negligence: The motor insurance company will not pay a single penny if they find out the damages to your car caused from your own negligence such as starting your car engine in a water-logged area etc. In such circumstances, your car insurance claim may get rejected.
• Failing to Inform on Time: It is your duty to inform your car insurance provider within a stipulated time period if your car gets stolen or meets an accident. Failing to inform the vehicle insurance company within time may result in the denial of your car insurance claim.
• Repair of Your Car Before/Without Informing the Insurer: Car insurance companies in India are not obliged to cover any damages if your car undergoes any repair before your car insurance provider is informed. In such cases, the car insurance company needs to estimate the cost of repairing in advance.
• Car Insurance is on the Name of another Owner: If you own a second-hand vehicle and the motor insurance policy is on the name of the first owner, your car insurance claim will be rejected. It is advisable that you get to the seller and transfer the car insurance on your name while buying a second-hand vehicle to avoid the rejection of your vehicle insurance claim.

Securing your car with the best motor insurance policy should be your prime goal in terms of total protection. Make sure you buy the best auto insurance policy for the total protection of your four wheeler vehicle. GIBL.IN can assist you to find the most suitable and affordable car insurance plans for you at the click of your mouse. And also make sure you do not repeat any of the mistakes talk about above to make sure your claim gets accepted by the insurance provider.

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Car Insurance Renewal Is Necessary to Keep Continuation in Coverage

As per motor vehicle act 1988, if you own a car and drive on Indian road, you should opt for third party car insurance policy. Apart from the legal obligation, a car insurance plan is needed to provide complete protection to your very own possession. To keep continuation in car insurance coverage, car insurance renewal is necessary. Motor insurance policies need to be renewed every year. Getting your car insurance policy renewed before its expiration is not just important, but also essential. If you fail to do so, it may lead to a lot of other complications. You can buy or renew your car insurance policy from GIBL.IN.

Car Insurance Renewal Process

By following some steps you can complete your car insurance renewal process online. In the fast pace of life, people do not have enough time to visit the physical outlet and get the policy renewal done offline. Getting online policy renewal done not only save a lot of time but also the process is hassle-free and convenient.

To complete the renewal process, all you need to do to log in on the website of your insurance provider, fill in the required policy associated details and pay the renewal charges online. Once you have done the payment, your car insurance policy renewal will be issued on your name. You can also calculate your motor insurance premium online by using car insurance premium calculator. You can complete this renewal process from the reputed online insurance broking portal GIBL.IN.

Consequences of Not Renewing Car Insurance Policy on Time

Here are some consequences, if your car insurance policy gets expired:

• You need to get your car inspected once again before you buy a fresh car insurance policy.
• Your new insurance policy will not just be expensive but you will also lose all the benefits of your earlier accounted year like “no claim bonus” if it is not renewed within 3 months from the date of expiry.
• In an ill-fated incidence, if you meet with an accident without a valid car insurance policy, you will have to compensate all the expenses by yourself.

What Should You Do If Your Car Insurance Expires?

When your car insurance policy crosses the renewal time, at first you should immediately contact your insurance company to check for the available options available. In such case, some insurers may not allow online policy renewal; you may need to visit their physical office with necessary documents.

That is why it is always suggested to be on the safe side and renew your motor insurance policy well in advance or within the stipulated time. If you were unable to do the same within the time, you have to be sure to follow your insurance company’s strategy.

Hence, if you have a car insurance policy, you should consider car insurance renewal. Motor insurance renewal is evenly important as purchasing the policy. To get your renewal done in a hassle-free way, you can choose GIBL.IN. 

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Own a Car Insurance Policy to Enjoy Your Drive

Driving a car is far from being safe in India. Most city roads are accident-prone and the instance of car-theft is not few and far between as well. A road-mishap can make a huge dent in your savings as you have to take care of not only damages to your own car but also have to compensate for the financial loss of the third-parties involved in the mishap. This is why; you have to invest in a good car insurance plan so that you can stay financially protected in case of any eventualities.

Coverage of Car Insurance

Generally, there are two types of car insurance policies – Third Party Coverage and Comprehensive Coverage.

Third Party Liability Coverage: Online car insurance plans with third party coverage offers liabilities of car owners in India to third parties and provide coverage up to a maximum of Rs.7.5 Lakhs in case of any third party property damage. This policy also provides monetary compensation in the event of third-party physical injury and death. But this plan does provide own damage coverage.

Comprehensive Coverage: Comprehensive coverage means complete protection to your car. The plans cover losses of policyholders due to natural disasters like fire, lightning, explosion, earthquake, typhoon, flood, storm, frost, tempest, cyclone, hailstorm, landslide etc. This package plan also covers financial losses due to damages by several different manmade mishaps in the likes of burglary, riot, theft, strike, external accidents, terrorist activity, malicious act and also damages during all types of transit.

Apart from that, most car insurance plans come with personal accident coverage for owner-driver of the insured vehicle. However, the coverage can also be extended to the other passengers and a paid driver of the car for an additional premium on an online car insurance policy.

Car Insurance Online Renewal Process

To renew car insurance online, you just have to follow a very simple process. You have to visit the portal of your concerned insurer to renew car insurance plan. You have to find the tab meant to renew car insurance online and start the process for renewal. Now you have to enter your existing motor insurance policy number and your date of birth to initiate the insurance renewal procedure. Then you have to make the payment online for the premium and save the receipt of your premium deposit. Finally, when your new motor insurance policy copy will be sent via email, your car insurance renewal process will come to an end. All in all, it takes a few minutes to renew online. A timely car insurance renewal ensures continuous coverage with all accrued benefits. So, you need to renew car insurance online before it expires.

However, while choosing the best car insurance policy online, you can visit GIBL.IN, an online insurance broking portal. This portal will help you to find out the best value car insurance policy online. So, without any second thought just go for it and enjoy your drive.    

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The Widespread Coverage Offered with Car Insurance Policies from National Insurance Company Limited (NICL)

National Insurance Company is a well-known name in the industry of top insurance players. The reason is that National Insurance Company is the oldest general insurance company established in India. NIC was incorporated in the year 1906 and it has its headquarters in Kolkata. National Insurance is wholly maintained and operated by the government of India.

There are basically two types of covers available with National car insurance policy:

Liability Only Cover

This is the mandatory motor insurance policy by the government of India. All the owners of motor vehicles must make sure that they have this motor insurance plan to become legally eligible to drive their cars on road. National third party car insurance covers the followings:

·  Any Injury or Death of Third Party in case of an accident

·  The policy offers compensation against Property Damage (Third Party Property Damage upto Rs. 7.5 Lacs)

Package Cover

The package policy is basically the comprehensive carinsurance policy, which is always recommended by the owners of all motor vehicles since this car insurance plan covers third party loss or damage as well as own damage. National comprehensive car insurance policy offers the following coverage on purchase or renewal:

·     Covers accident from/by Fire, External Means ,Self Ignition, Explosion and Lightning

·    Protection to the vehicle against man-made calamities such as Terrorist activities, Riots, Strikes or Malicious Acts

·   Any damage to the vehicle while it’s in Transit by Road, Rail, Inland Waterway, Air, Lift is covered under this plan

·   Comprehensive motor insurance policy from National Insurance covers Theft, Burglary, House breaking, etc.

·  Damage to the vehicle from Natural Calamities such as Earthquake, Flood, Storm, Landslide, and Rockslide are also covered under this comprehensive car insurance plan.

Conclusion:

It’s very much advisable to compare National car insurancepolicies with the other motor insurance plans offered by different insurers to avail the best coverage at affordable price. You can instantly buy or renew your car insurance policy with National Insurance Company Limited from GIBL.IN without any hassle. You can also compare various insurance policy at the click of your mouse at GIBL.

To know more information visit our website GIBL.IN.

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When Not to File a Car Insurance Claim with Your Insurance Provider

Car insurance has become an integral part of our lives. Having the right car insurance policy can bring your peace of mind and ultimate relaxation given that any unforeseen damage or loss will be covered by the can insurance plan depending on the one you choose to buy.

An accident can occur just anytime and anywhere without any prior notice. When it comes to road accidents of cars, an individual relies on the car insurance cover to get compensation. However, filing a car insurance claim right after an accident can strip one of the benefits of No Claim Bonus (NCB) accrued on the motor insurance cover as a reward for not filing any claim for a certain policy term.

However, it should be kept in mind that the NCB discount is given only on the 'Own Damage' portion of the total motor insurance premium and not on the 'Liability Only' portion. There’s no stipulated or mandated rule for registering a car insurance claim and you must work out on your own to find out how much of the benefits will be lost if you file a claim with your auto insurance provider.

You should keep away from filing a car insurance claim with your insurer if you suffer any minor damage to loss to the vehicle. In case of any minor dent or scratch try to repair it from your own pocket because, if you file a claim on your car insurance policy for any minor damage you will lose the discount as per no claim bonus. So make sure that the very small repairs of your car you do from your own pocket.

In addition, also keep in mind that you should not file any claim in case of damage or loss that is not covered within the motor insurance plan you have purchased. For instance, if you purchase third party car insurance and file a claim for own damage, then the motor insurance provider will simply reject your claim. So make sure you know the exclusion of the motor insurance plan you choose to buy or renew your car insurance policy with.

You must also ensure that the car insurance policy you are buying is offering the best coverage. This is the best way to ensure total security of your vehicle. Don’t forget to compare car insurance policies online with other motor insurance providers in India. When you compare a number of motor insurance plans, you can easily chalk down the best plans as per your requirements and budget.

At GIBL.IN you can easily buy or renew your car insurance policy from the top motor insurance companies in India. You can find the best plans at the lowest guaranteed premium. In addition, you can also get assistance for claims settlement or claims registration. GIBL.IN is the one-stop destination for all your general insurance needs in India. 

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How Comparing Car Insurance Online Can Save You Money?

There’s no way you can run away from having a car insurance policy in India since the third party car insurance policy has been made mandatory by the government. However, most of the people choose to go for a car insurance policy that comes at a lower premium to save money. This could lead to serious problems when you file a car insurance claim to get compensation from the motor insurance company in case of accidental damage or loss.

This is why the comprehensive car insurance policy recommended. You can also go for a number of add-on covers to enhance your coverage, if you are willing to get the best car insurance policy at a lower premium, you must make sure that you compare car insurance online. Comparing car insurance is the best way to find the best coverage at a premium of your own affordability. There are a number of websites nowadays in India that offers free comparison and online car insurance purchase and renewal. GIBL.IN is one of the best online insurance comparison portals where you can independently compare a number of plans on offer from different insurance providers at the click of your mouse.

Now let’s find out the importance of comparing car insurance and all the benefits you can avail when you compare car insurance below:

• Get access to a multiple to motor insurance companies in India that has the best motor insurance plans on offer
• Compare various car insurance companies on the basis of the claims settlement ration, customer service assistance, largest network of cashless garages across India and much more
• When you compare car insurance online you will have the tools to see for yourself coverage option offered by different motor insurance companies. Then choose the type of coverage as per your requirement and budget after comparing
• If you want to save money on the premium of your car insurance policy then the comparison of various car insurance policies is a must. It allows you to get your hands on the top car insurance plans that offer the highest level of coverage at affordable premium
• When you compare and buy car insurance online, you can avail attractive discount on premium
• Online car insurance comparison is easy, time-saving and hassle-free
• Choosing a reputed online car insurance comparison and purchase website like GIBL.IN can bring a number of additions benefits on motor insurance renewal

This is how car insurance comparison can help you get the best motor insurance policy at the lowest price. Apart from these, you must keep a few things in mind when you compare car insurance online. Make sure that you do not stick to the same car insurance online comparison portal since not all are as trustable and reliable like GIBL.IN. Make sure that the online insurance comparison portal shows you an unbiased result every time you compare any particular policy or plan. In addition, in terms of comparing car insurance policy online, make sure that all the insurance comparison sites are calculating premium on the same IDV.

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Enjoy Your Drive with the Best Motor Insurance Policy

To most of the Indians, a car is one of the valuable possession apart from their house. We all are aware of hazardous Indian traffic situations and four-wheeled vehicles are more to an accident. When an accident takes place, it makes a whole on your pocket and draining out our hard earned money. Armed with an effective Motor Insurance Policy, you can cope up with such a situation. The best Motor Insurance Policy offers all-round protection for your very own car. So, if you have a car or planning to buy one, you should consider car insurance plans.

Features of Car Insurance Policies

• With the advent of the internet, now you can buy car insurance online. Online motor insurance policy offers hassle-free purchasing process.
• You can also renew your Motor Insurance Policy online effortlessly.
• The best Motor Insurance Policy offers third-party damages coverage involving your vehicle.
• If you own a vehicle insurance policy, you will get compensation for the vehicle repairing costs due to damages from an accident.
• You can repair your car from the network garages of your insurer and avail cashless transaction.
• The best motor insurance policy offers additional discounts on premium.

Coverage of Car Insurance Policies

Generally, car insurance plans in India offers both liability and comprehensive coverage.

Third Party Liability Coverage: The liability coverage of car insurance shields the insured vehicle financially in case their vehicle causes property damage, death, and injury of the third party. This type of coverage is essential as per the law, so you have no option but to opt for it. This coverage helps to reduce the responsibility but does not provide coverage for own damage.

Comprehensive Coverage: The comprehensive coverage not only safeguards the policyholders from liabilities but also covers damages and theft of the insured vehicle. This insurance plan is also known as package cover. Let’s take a look at what types of disasters are covered in this package cover

The package cover provides compensation to repair or replace damage car parts caused by an array of natural and man-made calamities. Here are some of the disasters in the ambit of car insurance package cover;

• Terrorist Act
• Theft
• Burglary
• Fire,
• Lightning
• Riot
• Earthquake
• Flood
• Storm

Car Insurance Renewal Process

The process of car insurance renewal online is effortless. First of all, you have to log in on the portal of your concerned insurer and enter your date of birth and policy number. Then, you have to select the payment mode and make payment to renew your motor insurance online. Once the payment is successful you need to save or print your insurance premium receipt. Nowadays, car insurance renewal can also be done on the go from your mobile phone.

However, while choosing the best Motor Insurance Policy, you should compare car insurance online and then select the best one. You can get the best value get Motor Insurance Policy from GIBL.IN as 32+ renowned motor insurers are associated with this portal. 

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How to Avail the Best Car Insurance Policy at the Lowest Price?

Car insurance is very significant in terms of all the protection and coverage it co0mes with. Not having a valid car insurance policy may cost you to pay a hefty fine. Third party vehicle insurance is mandatory in India as per the Motor Vehicles Act 1988. But, you shouldn’t keep that coverage within the third party cover only. You should always make sure that your motor insurance coverage is ample enough to protect any loss or damage. Therefore, comprehensive car insurance is suggested. Since the third party liability only covers protects you in case of any third party legal claims arising out of any injury, death or property damage of a third party, it doesn’t offer any coverage to you or your vehicle.

Everyone wants the best car insurance for themselves. However, not everyone follows some necessary steps by which they could easily acquire the best car insurance policy at a considerably lower price. Let’s find out some of the factors that you must consider in order to avail the best car insurance policy the lowest price.

Compare Car Insurance Quotes Online: 

The perfect yet the best way to avail the best car insurance policy at a low price is to compare various car insurance quotes online by making use of various online car insurance comparison sites. But you must make sure that you pick the best motor insurance comparison site such as GIBL.IN which shows you an unbiased result when you compare them.

Choose the Best Car Insurance Company:

There’s no denying the fact that it is the best car insurance companies that offer the best motor insurance plans. You will be required to do some research on various motor insurers. You can do it online or you can also ask your friends and relatives regarding the reputation of any individual car insurance company. Do consider the claim settlement ratio and a number of network garages of the company you choose.

Buy or Renew Car Insurance Online:

There are a plethora of car insurance companies in India and they all have made themselves present in the online marketplace. You can also choose an online insurance comparison and purchase site such as GIBL.IN to buy car insurance online. When you buy car insurance online from an online insurance broking marketplace you can become eligible to avail attractive discounts on the premiums.

Do Not Make Small Claims: 

No Claim Bonus (NCB) is a particular amount of discount offered on the renewal premium by the motor insurance companies on the condition that no claim has been made in a policy year. If you abstain yourself from filing a motor insurance claim against small damages that can be settled from your own pocket you can avail a discount from 20% to 50% on the car insurance renewal, depending on the number of claim free years.

Apart from the above-discussed points, you must keep a few additional factors in mind to avail the best car insurance policy at the lowest premium. Do make sure that you know the exclusions of your car insurance policy, choose a company that offers 24/7 customer service assistance etc.

For More Information Visit - GIBL.IN and Get Up-to 70% discount on Car Insurance

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Why Should You Choose National Car Insurance Policy?

National Insurance Company Limited is one of the most popular car insurance providers in India. National Insurance car plans come at a reasonable cost and provide comprehensive coverage. If you have a car, National motor insurance plans can well be your best choice.

Usually, National Insurance Company offers car insurance plans with one year period. However long-term policy is also available. Depending on your requirements, you can buy National Insurance car plan online through net banking or using your debit and credit card. It provide car owners with regular coverage of liability and own damage cover.

National car insurance liability cover is a legal requirement in India and it takes care of liabilities of policyholders to third parties. The comprehensive cover is also known as package cover. National car insurance package coverage takes care of financial losses of the insured for the damages caused by several different man-made disasters and natural calamities. Although it is an optional one, it is strongly recommended that you buy National car insurance with package cover as it takes care of all types of financial losses of policyholders. Even the comprehensive coverage of National Insurance car online policy can be extended for an additional premium. You can keep accessories of your car, pillion riders covered. It also provides personal accident coverage to the owner-driver of the insured vehicle. This coverage of National car insurance can also be extended to the pillion rider.

Despite of this extensive coverage, National car insurance policies come with some exclusions. If you ride your insured car without any valid license or under the influence of intoxicating substance, damages will not be covered. Mechanical or electrical breakdown, wear and tear and consequential losses are also out of the coverage of a National car insurance plan.

To know more information about National Car Insurance and discounts visit our website GIBL.IN.

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Step by Step Guide to Buy the Best Car Insurance Policy Online

Everyone wants the best for them. There’s nothing bad in that. When it comes to the best, we also tend to prefer the best car insurance policy as well. But most of us only care about the money when it comes to purchasing a good car insurance plan. At the end of the day, most of the people tend to go for coverage that comes at a cheap price. Now, this can be a dangerous decision since the cheap car insurance plan may not be good enough to cover the damages or losses in case of an accident, Therefore, you must make sure that the motor insurance policy in which you are investing your money in covers all aspects. Here’s a step to step guide that can help you acquire the best car insurance when you go for an online purchase or renewal.

• Compare Car Insurance Plans and Premium Quotes: Compare all your car insurance providers to choose the best from them. Find out whether the car Insurance online policies you are choosing from providing the type of coverage you are looking for. Also, compare the car insurance quotes offered by different insurers online to get the best car insurance policy.

Here are some of the things that you must take into consideration while comparing car insurance policies online.

Compare various motor insurance policies online from multiple insurers

Do not use anyone motor insurance comparison portal since any particular comparison portal may not show you an unbiased quote.

Check if the motor insurance comparison portal you are using is calculating the car insurance premium on the same IDV (Insured Declared Value)

• Claim Settlement Ratio: Always check claim settlement ratio before you finally choose any specific car insurer. Claim settlement ratio is the term applied to the amount of time car Insurance online policy providers take to settle the claim for their customers. Only consider buying the car Insurance policy if the claim settle ratio of the insurer is good enough.
• Run a Quick Review of Car Insurance Provider: It’s always a good idea to measure the depth of the pool inside which you are about to dive! Consider reviewing car insurance providers if you aim to avail the best car insurance policy. Since enjoying maximum benefits from cheap car insurance is your destination when opting for car insurance online, reviewing car insurance providers will certainly help you to find the best premium for car insurance renewal too. You can do this online or ask your family or friends about their experience with a particular car insurance provider for clearer conception.

Apart from the above mentioned, one more important thing that you must do is check the coverage area offered with the motor insurance policy by any particular car insurance company. When you will have the proper idea of coverage that is being offered under a motor insurance plan you can easily pick the best one for you. You should compare the car insurance coverage of different insurers and look for some add-on covers.

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What Does a Car Insurance Policy Cover?

Life is unpredictable; you cannot predict what could happen in the next hours while driving. Any sudden mishap or accident could drain out your hard-earned money. However, if you own an effective motor insurance policy, you can cope up with any kind of unpleasant circumstances. There are numerous car insurance plans available by a plethora of car insurance companies in India. Thus, while choosing any policy, you have to be selective. As per motor vehicle act 1988, if you regularly drive a car on Indian roads, you should consider a car insurance plan. The best car insurance plans offer both third party liability and comprehensive coverage. You can have a look below to know more about a car insurance policy.

Car Insurance Coverage

Generally, there are two types of car insurance plans – Third Party Car Insurance Plan and Comprehensive car Insurance Plan.

• Third Party Liability Car Insurance Coverage

Like, all car insurance plans available in India, third party car insurance policies cover financial liabilities of policyholders to third parties in case of a mishap where your own insured vehicle is involved. The plans pay out financial compensation in case of third party death and accidental physical injuries. It also provides financial compensation in case of third party property damage up to the maximum limit of Rs.7.5 Lakhs. A car insurance plan with liability coverage is essential in India, you cannot avoid it.

• Comprehensive Coverage of Car Insurance Plans

A motor insurance plan with package or comprehensive coverage is not obligatory in India. Still most car-owners go for it to keep their insured car safe and secured. A comprehensive car insurance plan not only takes care of liabilities of the insured to third parties but also safeguard the insured vehicle of policyholders from theft and damages due to an array of natural and manmade calamities. A comprehensive coverage shields the insured vehicle from natural calamities like storm, lightning, earthquake and man-made disasters like a riot, strike, house-breaking, and the likes.

A comprehensive car insurance coverage also provides personal accident coverage to the owner-driver of the insured vehicle. The amount of personal accident coverage depends on the severity of the accident and injury. In case of total loss of vision, death, loss of two limbs, loss of vision in one eye and one limb and Permanent Total Dismemberment, the plan provides 100% coverage. In case of loss of vision in only one eye or only one limb, online car policies pay out 50% compensation.

How to Renew Car Insurance Policies?

To make the most of the wide coverage, you need to renew car insurance before its expiration. By getting the car insurance renewal process done, you can also enjoy all the accumulated benefits. The renewal process is very simple if you go online process. First, you have to visit the portal of your concerned insurer and mention your policy number and make the payment online. When your new car insurance plan is issued, you are done with your renewal procedure.

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