Brand new Car
So you are finally getting your dream car! And now you are already cautious about the complications you may face in case of a car accident and mechanical breakdown. Fret not as car insurance can bring you much-needed peace of mind. You will be able to relate to the issues all the more if you are in Ahmedabad right now.
Last month itself, a trader and his wife based in Ahmedabad were killed in a car accident. The city is witnessing an increasing number of car accidents and road rage incidents. Monsoons, too, create nuisances for car owners. Cars often need to wade through stagnant water as incidents of water logging are common here in the rainy season. As a result, cars get severely damaged. So, if you want to save all those unexpected expenses, then it is necessary to get car insurance in Ahmedabad.
How to get the best car insurance in Ahmedabad?
If you are here to get some tips on choosing the best car insurance in Ahmedabad, then you are at the right place. We have curated the best tips and hacks that will guide you throughout the entire process. Let us walk you through the intricacies of choosing the right car insurance plan.
Tip No 1: Understand your requirements!
Now that you have decided to get car insurance, start with assessing your actual requirements. Whether you drive your car regularly, or once in a while; whether you have a luxury/sports car, or a normal car; whether you use your car for commercial purpose or personal use, there are multiple factors which you need to consider to choose the apt car insurance plan.
Tip No 2: Compare, compare and compare!
Never ever settle down for any car insurance policy that is offered to you by any random car insurance agent in Ahmedabad. You can hire the services of a professional and experienced car insurance agent or get your insurance plan online. But never forget to compare the quotes. When you compare the quotes as well as the plans, you will eventually get your hands on the best plans and policies.
Tip No 3: Learn about available add-ons.
Add-ons always help you to customise your car insurance plan better so that in distressful times, you can make the most out of the insurance. Know about the available add-ons and choose a few smartly.
Tip No 4: Enquire about the entire claim process.
You should be aware of the entire process that goes down when you claim compensation. Make sure that the plan you are opting for offers easy and convenient compensation for your loss.
Tip No 5: Check for the claim settlement ratio of the insurance company.
Claim Settlement Ratio or CSR is the ratio of claims that a particular insurance company has settled against the number of claim applications. So always go for a car insurance company that has higher CSR.
Tip No 6: DO NOT provide any misleading details to your insurer.
If you are a first-time car insurance buyer, then this point is specifically meant for you. You should never try to furnish incorrect or misleading details like incorrect age or driving history just for the sake of reducing the amount of premium. Otherwise, your claim may get rejected because of your false information. Your car insurance can also get cancelled.
Tip No 7: Go through the policy terms and conditions.
Before signing the car insurance policy papers, take your time to read between the lines of the terms and conditions. This will help you know about the exclusions, IDV, deductibles and other such significant details.
Q. What is a proposal form?
Ans: It is a type of contract between the insurer and the insurance holder. The form will contain details like your past policy, details of the vehicle insured etc.
Q. Can I pay my premium amount in instalments?
Ans: Unfortunately, no! The Premium amount is supposed to be paid at one go.
Q. I have informed the RTO about the CNG kit installation in my car. Is there anyone else whom I should inform?
Ans: Yes, you should inform the car insurance company well within time so that you can place your claim for compensation.
Q. Is it mandatory to buy add-ons along with your insurance plan?
Ans:No, add-ons are not compulsory. However, we would recommend you to buy add-ons in order to customise your car insurance policy and enhance the scope of coverage.