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Frequently Asked Questions

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.
How to buy car insurance online from PolicyBachat?
Best Car insurance near you can be purchased online from PolicyBachat portal 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 best car insurance policy online. These factors should be compared at the time of car insurance policy purchase.
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 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.
How to Check Car Insurance Online?
Car insurance can be checked online at Car Insurance where there are almost all the major general insurance companies offering car insurance quotes. The best car insurance can be opted after comparing the quotes from different insurance companies. The renewal of car insurance also can be done from the online portal which has a dedicated team of agents to assist the customer with their car insurance.
How to compare car insurance quotes online?
Car insurance quotes can be compared online on our portal 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 online here.
How to Claim Car Insurance in India?
Car insurance can be claimed as either Cashless or Reimbursement. Under the cashless option the customer can take the vehicle to any of the network garage and get it repaired as the claim amount will be paid by the insurance company to the garage. In case of reimbursement, customer needs to pay the claim amount first and submit the original bills to the insurance company to facilitate the reimbursement. For more details regarding claims please contact our toll free number 1800-123-4003 or visit the website of the insurance company directly.
How to use car insurance calculator?
Car insurance calculator can be used to calculate the premium of your car. The process of using new car insurance calculator is simple. You can find the car insurance premium calculator on 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.
What is depreciation in car insurance?
Zero Depreciation Car Insurance 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.
What is IDV in Car Insurance?
IDV also known as the Insured declared value is the maximum amount of sum insured available under the car insurance policy. IDV is the maximum liability of the insurance company in case of loss or damage. IDV is calculated based on the depreciation of parts, as there would be depreciation each year for the vehicle. The higher the IDV, the higher would the premium to be paid under the car insurance policy. In case of any claim, the maximum liability of the insurer would not exceed the IDV mentioned under the policy document.
Which is the Best Car Insurance Company in India?
The best car insurance service provider should have good car insurance premium charged by best insurance companies differs as per the coverage offered by the insurance companies. The best car insurance company provides a Claim Settlement Ratio, Number of Network Garages, IDV (Insured Declared Value), riders or Add-ons, etc. The best car insurance company in India based on the claim settlement ratio.
What is the Third Party Car Insurance Price List?
Third party car insurance rates are decided by the IRDA and are subject to change each year depending on the previous year loss ratio, premium collected and many other factors. It is Based on the Gross Written Premium collected and the Claims settled for that particular year and the increase of third party premium rates are subject to the final decision taken by the IRDA for private and new cars.
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.
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 instantly.
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 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.
How to do Car Insurance Policy Renewal?
The car insurance policy renewal process has been made simple with PolicyBachat online portal car Insurance where the process is quite simple. Below is the process to renew your car insurance online. Enter the required details like, Make and Model of Car, Enter RTO & Registration date, and the premium from different insurance companies is displayed. Select the best insurance company as per your requirements and proceed to the payment page. The instant policy would be available after the payment is completed.
Is Car Insurance Good?
Yes, Car insurance is one of the most important financial planning tools available in the market. Having car insurance is made mandatory by law. If you are at fault in a car accident, the motor liability coverage required on your car insurance policy helps pay for covered losses, such as the other party’s medical bills and damage to their vehicle or property that results from the accident.
What is Car Insurance in India?
Car insurance is a type of insurance. It is also called as motor insurance or auto insurance. Car is an agreement between the customer and the insurance company that protects you against financial loss in the event of an accident or theft or natural calamities or third party liabilities etc.
How to get Car Insurance Quotes Online?
Car insurance quotes can be checked online where there are almost all the major general insurance companies offering car insurance quotes. The best car insurance can be opted after comparing the quotes from different insurance companies. 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. The renewal of car insurance also can be done from the online portal which has a dedicated team of agents to assist the customer with their car insurance.

Article of the Week

Deductible for Car Insurance Claim

An insurance deductible is an amount of money that you pay for each claim out of your own pocket. This decreases the amount the insurance company has to cover.

Excess or deductible in car insurance is the amount to be borne by the insured customer at the time of claim. Each car insurance policy has a compulsory deductible or excess which is to be borne by the insured customer at the time of claim settlement and the remaining claim amount is settled by the insurance company.

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