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Car insurance offers protection against any financial losses arising due to accident, be it with another vehicle or against any object, theft of the vehicle or parts of it, water or fire damage etc. Having a comprehensive car insurance helps you protect against any liability arising out of an accident that involves a third party, person, or property. It also covers all kinds of natural and manmade calamities. According to the Motor Vehicles Act, India, it is mandatory to have a third-party insurance cover for your car.
Car insurance online certainly has a plethora of benefits to offer. The list of advantages for car insurance comprises of the following.
Car insurance provides financial protection to policyholders against accidents, theft, total loss, natural calamities, man-made disasters, fire, and third-party death or property damage. A car insurance policy is mandatory in India for all four-wheelers as per the Motor Vehicles Act, of 1988.
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Car Insurance is a form of protection that shields you from the financial losses incurred by you due to accident, theft, natural calamities or any unforeseen situation. The Car Insurance lets you be protected from any legal liability, financial loss due to damage to the car, third party damages, and so on. This depends on the Car Insurance you choose.
There are two main types of Car Insurance.
Third-Party Car Insurance is the one that is mandated by the Indian Government and law to every vehicle owner in India. It protects against any loss or injury done to any third party by the vehicle. The legal force behind this insurance is provided through the Motor Vehicles Act 1968.
Comprehensive Car Insurance is within the discretion of the Car owner. It has no legal backing. However, this is an important type of car insurance that covers the damages suffered by the car owner and injuries to the vehicle if it gets involved in any mishap.
The Government of India makes it compulsory for every Car Owner to have a Third Party Car Insurance Cover. However, the Comprehensive Car Insurance Cover is not compulsory. Nevertheless, a Comprehensive Car Insurance Cover is highly recommended.
The Car Insurance Policy hedges you from any financial loss or liability in cases of damage or injury to your vehicle or inflicted by your vehicle to any Third-Party. Third-party Insurance is mandated through the Motor vehicle Act 1968.
A good insurance policy must have the following characteristics to offer you value for the premiums you pay:
● Easy and quick online buying and renewal process
● Complete Third-Party Damage Coverage
● Around the Clock assistance in cases of breakdown or accidents
● Hassle-Free and Smooth Claims settlement process
● A wide network of Garages for cashless and easy Claims settlement.
For all the new cars, the IRDAI has mandated a Third Party Insurance Policy Cover of three years. The insured may choose OD for one or three years, as per his or her preference.
For all the other cars (second hand/old cars), the insured may choose the Annual Comprehensive Policy or the standalone Liability Policy that needs to be renewed every year. Failure to renew the policy yearly can result in the lapse of coverage during an accident.
With MyBimaMantra, you can easily renew your Car insurance policy by either calling the toll free number 011 43472488 or entering your policy number or registration number on our website and proceed with the renewal. Car Insurance renewals are quick and smooth at MyBimaMantra.
The best time to renew your policy is about 60 days before its expiry date. You can easily renew it online at MyBimaMantra. However, if your motor insurance policy has expired, our supervisors will first have to inspect your car before issuing the policy. This may be subject to a satisfactory inspection and the submission of all the valid documents.
Yes, an online car insurance document is equally valid to a printed insurance document. Once you make the payment and buy one of our policies, the document is sent to your registered mail within a few minutes
Comprehensive car insurance usually only covers the driver (owner) of the car. However, we offer a passenger cover as an add-on that you can buy with a little extra premium. This will cover the passengers in the car’s insurance, keeping your loved ones safe.
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ROYAL INSURANCE BROKING (INDIA) PRIVATE LIMITED
CIN: U65999DL2002PTC113794
Regd. Off.: 201, Parmesh Business Centre-I, Plot No. 20,
Karkardooma Community Centre Delhi -110092
Email: wecare@royalinsurance.in
Phone: 1800 569 3060
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