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Frequently Asked Questions

How to buy car insurance online from PolicyBachat?
Car insurance can be purchased online from PolicyBachat portal https://www.policybachat.com/car-insurance in two easy steps. In first step you need to enter the details of your car such as Make, Model, Date of registration, RTO location and click on submit to proceed to the next page. In the second step you can adjust the IDV or add riders to increase the coverage. The third and final step would be the payment where you will be directed to payment page of the insurance company to complete the payment process.
What are the factors that help in deciding policy for your car?
Best car insurance should be decided on the basis of the Insured declared value (IDV) offered by the insurance companies, Add-ons offered, Number of Cashless garages in your location, Premium quoted before deciding on the purchase of your car insurance policy. These factors should be compared at the time of car insurance policy purchase.
What if the car insurance policy expires?
Car insurance can be renewed even after its expiry. The process to renew involves a pre inspection of the vehicle by the insurance company to ascertain the risk involved. Post positive inspection report the insurance company would issue the policy subject to the receipt of payment. The pre inspection of .your car would be carried out by the insurance company or you can do self inspection with the link provided by the insurance company.
What is depreciation in car insurance?
Depreciation is the reduction in the value of an asset over a period of time due to wear and tear as a result of usage. The depreciation in car insurance is calculated each year and is taken as 10% reduction each on an average. The depreciation is also accounted at the time of claim settlement in car insurance.
Can I Take Fresh Policy For Brand New Vehicle?
Yes, a fresh insurance policy should be taken for a brand new vehicle. You can purchase a new insurance policy for your brand new car from our portal https://www.policybachat.com/car-insurance instantly.
What happens if I don’t renew my policy on time?
Your car insurance policy will be lapsed if it is not renewed on or before the expiry date. Once the policy is expired the coverage would be lapsed and your car would be uninsured. To renew the policy, you need to approach your insurance company where they’ll conduct an inspection before issuing the policy.
How to compare car insurance quotes online?
Car insurance quotes can be compared online on our portal https://www.policybachat.com/car-insurance where you can get the quotes from different insurance providers. The comparison can be done in 2 easy steps by entering the basic details of your car and clicking on submit button. You can read more about Compare Car insurance quotes online here https://www.policybachat.com/articles/compare-car-insurance-online.
How to use car insurance calculator?
Car insurance calculator can be used to calculate the premium of your car. The process of using car insurance calculator is simple. You can find the car insurance premium calculator on https://www.policybachat.com/articles/car-insurance-premium-calculator. To calculate the premium of your car, you need to enter the details such as Make, Model of your car, RTO location, Date of registration of your car etc.
Is it necessary to take bumper to bumper car insurance?
Bumper to bumper cover or nil depreciation or zero depreciation is an add-on in the car insurance policy. This add-on can be availed on payment of extra premium at the time of policy purchase. The bumper to bumper covers the cost of depreciation at the time of claim, in other words the insurance company would not factor for depreciation at the time of claim if bumper to bumper cover is opted.
What are the necessary documents required for a Car Insurance claim?
The necessary documents required for making a claim under your car insurance policy are:
  • Registration Certificate (RC Copy) of your car, which should be valid at the time of accident.
  • Surveyor report stating the ascertaining the reason of loss, quantum of loss etc.
  • Duly filled and signed claim form.
  • Copy of the your car insurance policy
  • An Estimate of the vehicle repair cost
  • Valid licence copy of the driver at the time of accident
  • Copy of the FIR/ Panchanama registered
  • In case of theft, official intimation to RTO and Letter of subrogation along with the Car keys should be submitted to your insurance company to process the claim.

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The necessary documents required for making a claim under your car insurance policy are:

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