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Car Insurance
Cars are not just a means of transport to get from A to B. For most of us it is an extension of our characters and identities. More than anything however, cars represent one of the largest purchases individuals make and it is therefore important that you insure these purchases thoroughly
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What Affects Car Insurance
6 Factors that affect your Car Insurance Premium
Age of
the Car
As your car gets older your premium amount increases, the reason being an older car is more prone to wear and tear. Opting for a Zero Depreciation cover with your insurance plan will help reduce your premium marginally.
Age of
the Car
As your car gets older your premium amount increases, the reason being an older car is more prone to wear and tear. Opting for a Zero Depreciation cover with your insurance plan will help reduce your premium marginally.
Insured Declared Value of the vehicle
The current value of your as per the market rate is your IDV and the higher the IDV higher the premium. What can help is increasing the voluntary deductible amount or in simpler language increasing the amount you shell out in case of a claim while the rest is taken care of by the insurer significantly reduces the premium amount.
Insured Declared Value of the vehicle
The current value of your as per the market rate is your IDV and the higher the IDV higher the premium. What can help is increasing the voluntary deductible amount or in simpler language increasing the amount you shell out in case of a claim while the rest is taken care of by the insurer significantly reduces the premium amount.
Your geographical location
Where you reside and park your car is also a factor that affects your car insurance premium. If you live in a region prone to vandalism or theft, your premium amount may be on the higher side to offset any potential losses.
Your geographical location
Where you reside and park your car is also a factor that affects your car insurance premium. If you live in a region prone to vandalism or theft, your premium amount may be on the higher side to offset any potential losses.
Your car model
Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc), like luxury sedans and SUVs, will have higher premiums, while base car models with lower engine capacity (below 1500cc) will have lower premiums.
Your car model
Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc), like luxury sedans and SUVs, will have higher premiums, while base car models with lower engine capacity (below 1500cc) will have lower premiums.
Fuel type
Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol.
Fuel type
Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol.
Car Safety
Another major factor affecting your car insurance premium is how safe your car is. Insurance premiums for cars with advanced safety features like airbags, ABS, collision warning systems, anti-theft alarms, and automatic braking make your car less susceptible to theft and accidents hence reducing the premium amount.
Car Safety
Another major factor affecting your car insurance premium is how safe your car is. Insurance premiums for cars with advanced safety features like airbags, ABS, collision warning systems, anti-theft alarms, and automatic braking make your car less susceptible to theft and accidents hence reducing the premium amount.
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Modification that alters your car’s performance or changes its safety parameters will affect your insurance premium in an unfavorable manner. The premium for modified cars is often higher and it is not advisable to opt for the same.
The insurance policy has to be transferred from your name to the new owner. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount are required for this. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
The expired policy can be renewed online. All you have to do is visit the website of the insurer, make a self-survey of your car, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
In case you miss your renewal, your policy will lapse leading to hefty fines and loss of accumulated No Claim Bonus if any. In addition to this, you have to get your vehicle inspected once again before you get a fresh policy. And if in an unfortunate incidence, if you meet with an accident without a valid insurance policy, you will have to bear all the expenses by yourself.