The best way to find the right and best car insurance policy in India is to renew or buy car insurance online. The first step to get the perfect car insurance policy is to compare the features that are offered under different motor insurance plans. You can easily compare the car policy recommended by your dealer with the other motor insurance plans available in the market. Aside from considering the benefits offered by any particular motor insurance policy, car buyers must also take a look at the premium that is charged for the plan. Motor insurance companies offer different premium rates for the coverage extended by them.
After you have finalized on a particular car insurance plan and the insurance company, choosing the right add-on covers is the next step. You must keep in mind that add-ons are basically extra covers that can be purchased to increase the protection offered by your basic comprehensive car insurance plan. Knowing which add-on covers are most suitable for you is very much important. This way you can make sure that you don’t buy an unnecessary add-on cover and spend money on a cover you don’t actually need. Some of the essential add-on covers that can be included to the basic motor insurance plan are:
Engine Protection Cover: This add-on cover has been designed to offer protection against any damage to the car’s engine due to water ingression leading to hydrostatic lock.
Zero or Nil Depreciation: This add-on cover provides complete coverage without factoring in the depreciation of parts like fiber, plastic, glass, and rubber.
Return to Invoice: This add-on cover makes sure that in case of complete theft or loss of the car, the policyholder avails the car's original invoice value and not just the Insured Declared Value (IDV).
No Claim Bonus Protection Cover: These add-on covers enables you to keep the accrued No Claim Bonus intact on the next car insurance policy renewal, even if you had filed a claim.
Roadside Assistance Cover: This add-on cover offers emergency roadside assistance services like help in emergency fuel refilling, roadside repairs, changing the flat tire and towing facility.
Conclusion
It is totally up to you whether you want to go with the car insurance policy offered by your dealer or buy it yourself online by using an official website portal that deals in bringing the best motor insurance plans as per individual requirements. When you buy car insurance online, you will not have to say ‘yes’ to whatever plan your dealer offers you to buy at whatsoever hasty premium. You can compare car insurance policies offered by a number of top insurance companies and find out yourself which cover could be the best and perfect match for your vehicle.
Additionally, comparing car insurance also allows you to avail attractive discounts on the motor insurance premium. You will be required very minimal information such as the chassis number, registration zone, and car number, etc to buy car insurance online.
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