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किसी भी मोटर गाड़ी का बीमा कराएं

competitive price में local सेवा उपलब्ध
कोई भी मोटर गाड़ी - 2 पहिया से 18 पहियों तक - कोई भी

Insurance is need, not luxury. You need insurance...

Also known as Comprehensive cover for motor vehicle

This cover will protect you against losses incurred:

Accident by external means,
Malicious act,
Lightning, hurricanes, flooding, etc

Auto Insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.

Auto Insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming Auto Insurance in India, like duly signed claim form, RC copy of the vehicle, Driving license copy, FIR copy, Original estimate and policy copy.

There are different types of Auto Insurance in India.

Vehicle NCB Transfer?

Rules Governing Vehicle NCB Transfer:

As per the IRDAI, the NCB belongs to the person insured and not the vehicle. This means that when a vehicle is transferred to another person, it is possible to transfer only the insurance policy but not the No Claim Bonus. The person buying / receiving the vehicle would need to pay the differential amount for the NCB for the remaining period of the policy. If the original owner buys a new vehicle, she or he can use the NCB for the new vehicle.

To make a transfer, the original vehicle owner must submit the buyer-seller agreement – Forms 29 and 30, with a letter stating the request to transfer the NCB from the existing insuring company. The insurer would need to issue an NCB certificate, which is valid for a period of 3 years. This certificate must be submitted to the new company insuring your vehicle. When buying car insurance online, the certificate would not be required – just a declaration from the insured would suffice. Under no circumstance must the insured hide any facts such as claims made on the insurance policy – the new insurer is sure to verify the details from the previous insurer.

The NCB on a company car is transferable to another car only if the individual is named as the insured on the insurance policy from the company. The good thing about company car insurance policies is that if there were a build-up of NCB, the insurer would only need a confirmation from the employer.



Motor Insurance Policy Authenticity ?

Tips to Identify Genuine Policies

If you have a vehicle that needs insurance, it’s high time you analyse the present scenario and then take a decision. There are different ways to check the authentication of your insurance and here are the tips to do so:
1.Know your Insurer

While receiving the policy papers, make sure you know your insurers. Even in the case of slightest confusion, email them at their registered email-id. You can also give them a buzz on their toll-free phone numbers to verify the details. Address and location of the nearest branch or registered office will also be present in the policy document. If it’s genuine, you will surely find it and can visit the office whenever it’s required.

2.Put your Sign on Cover Note

When it boils down to making a claim, it becomes important to take additional care. You should check the details of the claim-proposal, verify the points mentioned in the papers, make necessary corrections, and then sign the final papers. Steer clear of allowing someone else to sign these important papers. That’s certainly not the right thing to do and can pave the path for fraudulent practices.  When it comes to proposal forms or cover notes, nothing but your sign should be present.

3.Check Deductibles, IDV, NCB

If you want to check whether the policy you received is genuine or not, you must check these three documents:

  1.     IDV: Insured’s Declared Value
  2.     NCB: No Claim Bonus
  3.   Deductibles: Additional compulsory deductibles, voluntary excess, and compulsory deductibles.

Declare everything in detail and maintain transparency while doing so. You might get influenced by your insurer who will lure you to crack a profitable deal. But, you shouldn’t give in and agree to whatever the insurer says.

4.Pay Receipts

It’s better to make payments through cheques or online transfers, as that helps you keep a comprehensive and tangible record of the transactions. Even if you are giving cash, make sure you take receipts for every payment.


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