Have you recently bought a brand new car but are unsure of the best car insurance in India that would be ideally suited to your needs? You should opt for a comprehensive car insurance plan if you own a brand new car and want broader insurance coverage. It is essential that before you decide on which type of car insurance to buy, there are specific steps you should take to ensure you make the right choice that would meet your particular needs.
This post reveals five tips to help you find the best car insurance policy per your conditions.
Tip #1: Know what your car insurance needs are
Even though the Motor Vehicle Act of 1988 mandates all car owners to buy a third-party insurance cover, this may not necessarily be the best choice for your needs. Third-party car insurance covers only third-party liabilities. But comprehensive car insurance will cover both damage to your car and third-party liabilities. If you want a simple low premium car insurance renewal plan, you can go for a third-party car insurance cover, while if you want more extensive coverage, then comprehensive car insurance would be a preferred option.
Tip #2: Compare car insurance plans
Whether you buy a third-party or comprehensive car insurance policy, you need to compare the plans offered by various insurers. When comparing plans, check out the amount insured, deductibles, the claim protocol, T&Cs, etc. Ideally, you should pick a plan that offers you the most cost-effective premium payment and other favorable features and benefits.
Tip #3: Find out about riders
If you decide to buy a comprehensive car insurance plan, you should find out about the riders offered by the insurer. Riders or add-ons help to broaden a regular car insurance plan with the inclusion of added coverage for specific forms of personal injury and damage to your car.
Some valuable add-ons include engine cover, zero depreciation, roadside assistance cover, personal accident, etc. Also, compare the riders offered by various insurers in India before deciding which insurance company to buy a car insurance plan.
Tip #4: Understand the claim process
The whole purpose of buying a car insurance plan is to be able to file a claim in the event of an accident. You also want this process to be seamless, quick, and stress-free. Insurance companies with a seemingly complicated claim protocol should be avoided at all costs, as it will only lead to unnecessary delays and untold frustration. You can rely on customer reviews and feedback on third-party review sites for information about the claim process of any insurer.
Tip #5: Do not compromise on good customer support
You never know how important good customer support is until you need it. To find the best car insurance in India, you should also consider the available customer support service. You can check out third-party review sites to get a sense of the quality of customer care of an insurance company through customer feedback, reviews, and comments. Acko car insurance customer care, for example, is known to be proactive, courteous, and professional with prompt response to enquiries, requests and complaints.
It is not difficult to find car insurance in India, all you need is to know your needs and then compare the offerings of insurers that can meet your expectations. You should also remember to check out the available add-ons if you decide to buy a comprehensive car insurance policy and fully understand the claim process of insurers. Finally, never compromise on good customer care to avoid disappointment and frustration in the future.