What is Best Car Insurance ? 11 Best Things About Car Insurance


Before buying a car, take information about it, if the same kind of information is also taken about car insurance, there can be double benefit.
One, it will get cheaper and secondly the customer can get more facilities in this insurance. Therefore, it is better to know about Car Insurance first. If some important information is collected before taking vehicle insurance, then many problems can be avoided later. Therefore, it is important to know the 10 important things before taking car insurance.
various types of car Insurance Policies

Generally, people are not aware that there are many types of car insurance policies. People often associate car insurance only with their car and their own insurance policy. However, car insurance or any other auto insurance offers different types of policies to protect against different types of risks. There are 4 types of this origin.

Third Party Legal Liability
Comprehensive insurance
Personal accident cover
Add On Coverages

Third party insurance for liabilities of others

If there is no insurance for a car or any other vehicle, then it is necessary by law to have third party insurance. Third party insurance is an insurance policy in which compensation for damage to another person or property (including other vehicles) is compensated by the vehicle.
Such damages also include severe frontal injury, disability, or death. If you have not got third party insurance, then after such accidents you may be in huge financial trouble. Third party insurance is beneficial even if you are driving a vehicle in the event of loss or if a member of your family, a friend or employee (driver) is driving the vehicle. However, third party insurance cannot claim Claim for the damage done to the vehicle.
Comprehensive cover for your own car

Insurance cover has to be taken separately to compensate for the loss for yourself and your car. This is called comprehensive insurance cover. Comprehensive insurance also provides compensation for loss due to accident and theft of vehicle.

When you have comprehensive car insurance cover, you can also get a claim on the loss due to natural disaster or human calamities. In such incidents, road accident, car fire, natural calamity such as earthquake, landslide, Flood, storm-hurricane ), Lightning, etc. Apart from this, in cases of disasters caused by humans, claims can be found even after accidents like fire, riots, terrorist attacks, explosions, theft.
Personal accident cover for Yourself

Personal accident insurance can be taken by anyone in your car for other people. Personal accident insurance for other passengers is available according to the capacity of the seats present in the car.

additional covers through Add ons

Auto insurance companies also offer some other small subsidiary insurance protections. These are called Add On Insurance cover. Every Add On gives you a new type of insurance cover. Under this, even after changing a part of the vehicle, the depreciation can not be implemented and Zero Depreciation add ons can be added to get the full claim.

Similarly, to lose keys, a separate add-on of insurance protection can be added if the tires are punctured, burst. Apart from this, add-on can be added to compensate for damage to other valuable items in the car, such as laptops, LEDs, music systems, mobile phones, etc. However, with every Add On, your insurance premium increases.

on,t seek only low premium, loog coverages

Do not buy any policy on the basis of low premium. Coverages should also be compared with that. Many times, good insurance coverage can be taken by paying a slight premium. Doing.

Car Insurance Premium

The car’s engine capacity (capacity of vehicle) is determined by the cubic capacity of your car insurance (car insurance) premium car.

Insured Declared Value of car

The insurance premium of your car depends on its Insured Declared Value. The Insured Declared Value is the maximum amount you can claim.

No Claim Bonus Can lower Premium

Those taking car insurance get a No Claim Bonus i.e. NCB in exchange for not making any Claim during the year. Because of this, you can reduce your vehicle insurance premium by 5 to 10 percent. However, only a maximum of 5 years No Claim Bonus can be availed.

Bundled car insurance for Lower Premium

If you have more than one car, you can take bundled car insurance (Bundled car insurance). By taking this type of bundled car insurance from the same insurance company, you get a discount in the insurance premium of all your cars. However, this is possible only when all the cars are in the same name.

Dealer’s insurance Offer is not compulsory

When buying a car, car dealers also try to give insurance. Usually all car companies combine insurance with some insurance company and also provide insurance policy with the vehicle. However, it is not necessary for you to get such insurance. You should know the plans of some good insurance companies. After this, the plan which you like best according to your needs, should be taken with the car.


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