Buy Car Insurance Policy Online
The expansion of the internet made online the best platform to buy a car insurance policy, there are numerous factors that need to be aware of while considering an online policy. People have engaged in their day-to-day professional and personal activities, no time to take the decision to get the right car insurance online.
PolicyBachat.com helps you to get quotes from distinct car insurance companies to choose the best plan. This way helps you to judge the best plan as per your requisite.

Compare apples to apples for identical quotes, do they covered the same plan for the specific quote mentioned? Do they have the same collision coverage plan, comprehensive plan, includes coverage for accidents, thefts, voluntary deductibles, natural disasters, damage liability? Comparing all these factors helps you to know which is the best plan according to your need. Do your car has rental reimbursement?
Benefits of getting online car insurance policy renewal:
Simple & Convenient: This is the simple way to get a car insurance policy at your fingertips, it's a hassle-free process. It requires only a few details to grab your policy online. You can also skip a specific insurance provider, if you are not satisfied with the quote and opt for another insurer. Interface and ease of information help you to choose the right policy online and makes the time-saving process.
Economical: Buying an online car insurance policy is cheaper than an offline policy, as the company operates online reduction in paperwork, low operational costs helps to benefit the ultimate customer in terms of cheap car insurance quotes.
Instant Process: Comparatively, the online claim process helps you to provide instant policy by seeking all the required information online itself. A soft copy of the auto insurance policy will be e-mailed to you instantly.
Read Customer Reviews: You can take a wise decision on the specific policy by reading “customer review”, this way helps you to buy the policy. Check the features and brand name of the insurance company to crack the right policy.
Time-Saving: As there is no need to go insurance company which saves time and fuel cost, no waiting in long queues, and filling the registration form manually. The online car insurance policy helps you to save precious time.
Renewal Reminders: At the time of renewal, no need to fill in your details once again. Database stores your information and PolicyBachat.com send you timely update for renewals. So that you can proceed to car insurance renewal on time.
How to renew your car insurance online? Your car Insurance policy can be checked online by visiting the insurance company’s website and entering the card details or sending a mail to their customer care.
While choosing an online policy for car insurance, there are several aspects you need to check. Don't just go for the company you got the first quote, get the different companies' quotes and check the level of the corner you require.
How to Buy Car Insurance Online
Buying car insurance online is a concern, what you see is what you get. One of the best benefits of buying car insurance online is that you can validate your own premiums with different car insurance companies.
You can explore your insurance provider's what they provide and Review Our Portal to look at how we assist our customer's needs through car insurance policy covers. Policybachat leads you to choose the best car insurance policy needs.
- Comprehensive coverage: This Comprehensive coverage includes cover against damages to your own car or damages to a third party person/ property. And if this is not enough it can be customized with your choice of add-on covers, insured declared value idv is the maximum value giving you coverage as per your requirement in a cost-effective way. while you secure your car with comprehensive car insurance online in a matter of minutes.
- Third-party Liability Cover: This coverage only protects you against liabilities arising from damage, injury, or loss to a third party person or property. As established in the Motor Vehicles Act 1987, this is a mandatory cover approved by the government and it is a punishable offense to not have a valid third-party liabilities cover.
- Stand Alone Own Damage cover: If your car already has third-party coverage? Well, then the stand-alone own damage cover is the perfect missing cover that helps you against financial losses arising to the car owner due to damage to the car.
- Coverage for Popular Car Brands: Bought a newly brand car? Then this cover offers 1-year coverage against damage to your own car along with a 3 year cover against damages to a third party person/ property.
- No Claim Bonus(NCB): No Claim Bonus can be gathered together as a discount on the premium claim amount over years. NCB discount ranges from 20% to 50% on the own damage premium. No Claim Bonus (NCB) can be claimed even if someone changes its vehicle, as it is transferable to the new vehicle bought by the policyholder.
Benefits of Car Insurance Online
There are many ways to get car insurance but buying car insurance online has benefits that help customers feel free to purchase it for their needs.
Let us see what are the benefits of car insurance online:-
- Zero Paperwork: A car insurance policy purchased online involves Zero paperwork. To begin with, the proposal form is filled digitally and the scanned copy of any required documents is submitted to the insurer online. Moreover, the soft copy of the policy document is sent to your registered email id once the policy has been issued to you. As a result, online purchase of car insurance does not require any filling because everything is done digitally by entering the details easily.
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More Economical and Convenient:
Buying car insurance online is more economical than buying it offline. When a car insurance company operates online, its overall cost reduces. Car owners buy the policy online themselves which eliminates the need for an insurance agent to enroll customers.
You can simply apply for car insurance any time of the day as the internet is at your needs all the time. Moreover, you can also pay the premium amount online using your bank cards or internet banking.
- Instant Policy Issuance & faster process: When you buy car insurance online, your policy is issued to you almost instantly. You don't have to wait for days to receive your policy document. All you need to do is fill up a few basic details about your car and your contact details from the comforts of your home and you can get your policy in no time.
- Quotes Comparison: One of the best things about buying car insurance online is that you can compare different car insurance quotes online for free of cost with PolicyBachat. Compare quotes with different insurers and buy car insurance policies online.
Full Coverage Car Insurance Calculator
If you own a car, you must get car insurance - says the law of the country. Though car insurance is considered by many as an additional annual expenditure, yet it has its own importance. In today's world, different external factors may affect you and your car directly or indirectly and it is in these situations that you require insurance to come for financial aid.
Car insurance is not a product that can be bought blindly. It's important and utter care should be taken while purchasing so that your necessities are made and your investment does not go to waste.
Sometimes just having a standard or basic coverage is not enough and various add-on
coverages are becoming an intricate part of car insurance. These additional covers can be purchased with some extra payment as per your requirements. Below given is a list of common Add-On Covers provided by various car insurance companies.
a) Zero Depreciation Cover: Depreciation is levied on your vehicle at a very high rate of 30 - 50% on Plastic, Rubber, and Glass parts. However Zero-
depreciation coverage saves you from these expenditures. As per this benefit, no depreciation is to be deducted or to be paid by the car-owner. However, this is only applicable to cars that are up to 5 years old.
b) Windshield Glass Cover: The insurer bears the repairing or replacing charge of the front or rear windscreen glasses in case they get damaged accidentally.
c) Full Invoice Price Cover: Covers the complete 100% cost of the vehicle insurance in case of an accident, theft, or complete loss. This coverage also includes the payment of Road Tax.
d) Engine Protector Cover: If the car is driven with oil leakage due to an accident or it is driven through a water-logged area or if it gets submerged due to flooding, this coverage takes care of the extremely high cost of engine replacement.
e) Spare Car Clause Cover: This is applicable if you use your car on a regular basis for a certain traverse. If the car needs to be kept in the garage
for more than a day for repair, the insurance company will provide you a daily conveyance
allowance ranging from INR 150 to INR 750 depending on the distance traveled every
day.
f) Key Replacement: This covers the money paid to the locksmith for producing a new key or the cost of replacing the car lock if the car has been broken into.
g) Emergency Transport and Hotel Expenses: In case your car gets broken down or meets with an accident in the middle of your journey, this coverage will bear the cost of an overnight stay at a distance of 50kms or will bear the taxi fares for returning.
h) Roadside Assistance Coverage: This covers the repair costs of minor breakdowns like Towing Cost, Changing flat tires, or Emergency 5 Litre Fuel during the course of a journey.
i) NCB Protection Cover: This Add-on acts like an award given to a car owner for not making any claims in the past few years. It should be kept in mind that even a small claim-free year can bring down this discount to zero. However, filing a claim for certain discounted protections such as Personal accident cover, Windshield Replacement, Key Replacement, Roadside Assistance Claim, etc. do not Impact the NCB Add-on coverage.
Building a complete car insurance policy is necessary and add-on coverages can greatly increase its value provided they are chosen as per your requirements. The easiest way to make a perfect choice of car insurance is to compare it online and check out the various added benefits that might be useful to you.
Buy Car Insurance Renewal Online
It’s time to renew car insurance policy online, it is preferred to look at car renewal plans online to grab low quotes. Advised to renew your plan to claim any damages. Never be over-confident of your driving skills, unexpected incidents might happen, car insurance renewal will protect your car from abrupt vehicle damages. Be secure by choosing Car Insurance Renewal online, grab cheap car renewal policy with best features.
Compare car insurance quotes online on PolicyBachat and opt for the best plan with added benefits. Note, you can’t avail claim after the expiry of your insurance premium, so aware of your car insurance renewal.
Factors impact your car insurance renewal premium:
Driving: If you drive more, you need to compare car insurance quotes because more driving cause more risk, in turn, there will be a chance of an increase in premium.
Credit rating: Premium will be higher if you have an adverse credit score, make sure to increase your credit score to avail low premium cost.
Marital Status: Insurer might consider your marital status which impacts your insurance premium, married couples are careful while driving.
Age: If you are middle aged policy-holder your policy depends on your age, if you are in 40-50 slab, then your premium will be low because of the age factor.
Key benefits of car insurance renewal online
- 24*7 assistance, recent claim updates
- Avail up to 50% No claim bonus, transfer NCB to your new car
- Cashless claim over preferred garages
- Get 24*7 Roadside Assistance
- Add-On Packages For Your Car Insurance Renewal
Accident Cover
Compensation will be paid to permanently disabled or death of occupants if the occupants are traveling in the insured car.
Key replacement cover
In case, you lost your key or being locked, you will be assisted with new key or replacement of your old ones.
Personal luggage
The insurer will indemnify you for the loss of your personal baggage in the insured car, the add-on will help you to claim for baggage loss.
24*7 support
A policyholder who needs assistance while on the road anywhere in India, support assistance will be at your place for providing emergency services such as flat tire and any other emergency cases to repair your car. How to renew insurance online? Your car Insurance policy can be checked online by visiting the insurance company’s website and entering the car details or sending a mail to their customer care.
Tips to Car Insurance Renewal Online
Car owners think that buying or purchasing car insurance online is a tedious job and hence resort back to the traditional methods of purchasing insurance.
But the truth is that if certain rules are followed and purchased carefully, you can save a handful of money on the premium and if lucky, may also land up getting some additional benefits at the same price. Given below are some important tips for getting your car insurance renewal online in a profitable manner.
Shop for different online car insurance policies
Often, car owners avoid looking around for other plans before the expiry of the current policy to avoid the hassles involved. But comparing various plans from different insurance companies before car insurance renewal online often helps you find better options than your existing policy and you may land up getting a much better deal.
The best practice is to get quotes from various car insurance providers using car insurance calculators and comparing them online. Policybachat is very useful to compare car insurance renewal online. You can log onto PolicyBachat to avail the car insurance calculator facility.
Be aware of policy features and hidden clauses
You should always be well aware of the features of the online car insurance policy before purchasing it or before car insurance renewal online. It is advisable to read the fine print and all the clauses thoroughly. Go through each detail and understand their implications to avoid any kind of hassles in the long run.
Calculate your car's value before purchasing online car insurance.
Car owners are always advised how to calculate the depreciated value of the car before car insurance renewal so that you can easily coordinate with your insurance provider about the premium and in turn save money on your car insurance India. Knowing the market value of your car before purchasing or renewing car insurance online is always a wise move.
Go for higher deductibles
Voluntary Deductible is the amount an online car insurance policyholder needs to pay from the pocket at the time of a claim. Insurance companies always encourage you to take up higher deductibles so that you do not have to pay high premiums. But this depends on a lot of factors.
If you feel that you are a brilliant driver and your commute and the place where you park your car are safe, then it is wise to take higher deductibles as chances of claims are less. However, if the conditions are the reverse and the chances of making claims are more, then it is wise to balance the deductible with the premium accordingly while car insurance renewal online or purchase.
Types of coverage
There are 3 categories of car insurance coverage a policyholder can avail.
Third party coverage: Coverage against liability incurred against third party accident or property damage. Third party car insurance is also the mandatory policy on legal grounds. Check for third-party car insurance price 2017 online.
Comprehensive coverage: Get an extensive coverage for fire accidents, third party liability, earthquakes, animal damages, natural calamities etc. To avail most out of comprehensive coverage get engine protection, accessories cover, engine protection cover and bumper to bumper add-on for optimum claim settlement.
Collison cover: Coverage for damage to your own vehicle due to collision is popularized as collision coverage. The major benefit in availing collision coverage is a policyholder gets 100% coverage against accidental damages.