Compare Car Insurance

How to compare car insurance online?

To compare car insurance online effectively and make the best choice for your needs, follow these key steps:

1. Determine Your Coverage Needs
   Identify whether you require third-party liability, comprehensive coverage, or standalone own-damage policies based on your vehicle’s age, condition, and usage.

2. Check Insured Declared Value (IDV)
   Compare the IDVs offered by insurers, as these are the maximum claim amounts for total loss. A higher IDV means better coverage but higher premiums.

3. Compare Add-On Covers
   Look for value-added options like Zero Depreciation, Engine Protection, Roadside Assistance, and NCB Protect to enhance protection.

4. Evaluate Premium and Deductibles
   Balance premium affordability with deductible amounts you are comfortable paying out of pocket.

5. Review Claim Settlement Ratio (CSR)
   Prefer insurers with strong CSR to ensure reliable, quick claim settlements. This reflects the trustworthiness of insurers, including Zurich Kotak.

6. Assess Garage Network
   Ensure the insurer has an extensive network of cashless garages near you for quick repairs and hassle-free cashless claim processing.

7. Check Customer Service and Online Convenience
   Consider ease of buying and renewing policies online, availability of 24x7 customer support, and digital claim services.

What's covered/not covered Under Car Insurance Policy Online?

When you compare car insurance online, knowing what a policy includes and excludes helps you make the right choice and avoid surprises during claims.

Covered under Car Insurance

●      Accidental Damage covers repairs or replacement for collisions or impact-related damages.

●      Fire, Explosion and Self-Ignition protect your vehicle from losses caused by fire, explosions, or spontaneous ignition.

●      Theft and Total Loss provides compensation up to the Insured Declared Value (IDV) if your car is stolen or declared a total loss.

●      Natural Calamities include damage caused by floods, storms, cyclones, earthquakes, and other natural events.

●      Third-Party Liabilities ensure legal protection for injury, death, or property damage caused to a third party by your vehicle.

●      Personal Accident Cover provides compensation for the injury or death of the owner-driver up to the policy limits.

Not Covered under Car Insurance

●      Mechanical and Electrical Failures exclude claims for everyday wear and tear or breakdowns.

●      Consumables and Labour do not cover regular items such as oil, nuts, bolts, or excessive labour charges.

●      Driving Without Licence or Under Influence rejects claims if the driver lacks a valid licence or is under the influence of alcohol or drugs.

●      Racing or Unauthorised Commercial Use excludes damage caused by racing events or unauthorised commercial activity.

●      War, Terrorism Escalation, or Nuclear Risks do not cover damages arising from war-like situations or nuclear incidents.

●      Intentional or Deliberate Damage voids claims caused by willful damage or fraud.

●      Out-of-Territory Accidents exclude accidents that happen outside the policy’s geographical limits.

Benefits of Comparing Car Insurance Online

When you compare car insurance online, you gain access to a wide range of transparent and flexible options tailored to your needs, all governed by regulatory standards. Understanding your choices before buying is essential to ensure the right coverage, avoid unnecessary costs, and select features that suit your vehicle and driving style.

●      Wider Coverage Selection
 Comparing policies lets you identify the right mix of features and add-ons based on your driving habits, location, and vehicle usage.

●      Save on Premiums
 By comparing car insurance policies, you can find competitive pricing. Actual premiums depend on your chosen coverage, deductibles, and optional add-ons.

●      Evaluate Add-Ons
 Comparison helps you determine which add-ons, such as depreciation cover, roadside assistance, consumables cover, etc, are available and relevant to your vehicle.

●      Transparency
 You can review policy terms, conditions, and exclusions in detail to avoid hidden charges. Always rely on official insurer documents and follow IRDAI guidelines.

●      Convenience
 You can compare multiple plans from home in minutes, using authorised comparison portals or official insurer websites.

●      Policy Issuance Process
 After comparing and finalising a policy, you can apply online. Activation may require KYC verification or vehicle inspection, particularly for pre-owned cars.