The 5 Important Checks To Do To Get Best Car Insurance In India

For those who think that getting the best car insurance in India is like fiddling the cops then you’re wrong. By following certain steps you can easily get best car insurance as per your requirements and within your budget. The purpose of this article is to communicate to the reader these steps. These steps are the way towards the door of the best insurer who will provide you with best car insurance suiting your needs.

For those who think that getting the best car insurance in India is like fiddling the cops then you’re wrong. By following certain steps you can easily get best car insurance as per your requirements and within your budget. The purpose of this article is to communicate to the reader these steps. These steps are the way towards the door of the best insurer who will provide you with best car insurance suiting your needs.

Additionally, you’ll learn several kinds of benefits which you can get from your car insurance. Also you’ll understand how to further enhance and sustain your coverage benefits.

The 4 important checks you must do to be able to avail the best car insurance are as follows -

  • 1. Check for the nil depreciation cover-

Nil depreciation cover provides compensation for parts which are highly susceptible to wear and tear. Also these parts cover a major portion of a vehicle make. It refers to the vehicular rubber and plastic components. Such materials are susceptible to wear and tear which covers a large portion of vehicle’s make.

Hence, this cover is important as most cars consist of several plastic and rubber components. While filing a claim, inclusion of this cover will save significant repair costs of the insured.

  • 2. Check for Personnel coverage plan-

Personnel coverage plan deems essential for people who have more than one or multiple drivers. It is a type of cover which covers other drivers or people who use the car including the real owner, all this at a small fee.

  • 3. Check for value-addition

It was around 5 years ago when most general insurance companies in India started giving plethora of benefits to buyers. Such act enabled customers to get benefits in the form of additional protective gears thus improving the security of the insured people.

Check for the following essential protective gears to be present in your policy-

  • Cash free settlement
  • Service from trusted garage networks and workshops
  • Hassle free processes
  • Quick claim settlement process
  • The urge of the insurance company for complete customer satisfaction
  • 24x7 customer support
  • 4. Check for the company’s credibility-

This refers to ensuring that the insurance company is valid as per law. Always conduct a double-fold check to ensure this. It means that while searching for best car insurance online; ensure that the particular company is valid on its website. After that follow up and re-check on the same by calling up their office and asking the current customers. Asking the customers you will give a fair idea about the service standards and product offerings of the insurance company.

  • 5. Check for the maximum IDV

IDV refers to Insured's Declared Value. It’s the vehicle’s current market value. This market value is decided by the particular insurance company. The insurer receives the IDV as decided by the insurer when his vehicle gets lost or stolen.