WHAT IS CAR INSURANCE?
Yet it is an important part of your financial plan as it is a contract between you and the insurance company to protect you against any financial loss or damages against your car or third-party liability.
Basically, it provides a financial blanket over you and your vehicle against damages like accidents, fires, natural calamities, thefts, and many others as well as for any injury that might occur to you.
Car insurance is like risk-sharing where you pay some premium to an insurance company and in return it promises to pay for your car repairs as per the terms and conditions of the policy.
That is why, before choosing any car insurance policy, it is necessary to compare the premium offered by the various insurance companies to get the best deal possible. The premium offered depends on the make and value of the car, the state from where it is registered, and the manufacturing year.
WHY DO YOU NEED CAR INSURANCE IN INDIA?
That is why you need to buy your car policy from PolicyKlub.com to provide a financial cover over you and protect you from such unexpected losses and damages
so that you can live a hassle-free life!
BENEFITS OF HAVING A CAR INSURANCE
Coverage against any loss or damage caused to the insured vehicle
Coverage against any loss or damage due to natural calamities.
Coverage against third-party liability
Coverage against any loss or damage caused by accidents, fire, theft, explosions, terrorist activities, riots or self-ignition.
Personal Accident Cover
KNOW YOUR ADD-ON COVERS!
ZERO DEPRECIATION COVER
ENGINE PROTECTION COVER
NO CLAIM BONUS PROTECTION COVER
RETURN TO INVOICE COVER
ROADSIDE ASSISTANCE COVER
TYRE PROTECTION COVER
EXTERNAL CNG KIT
WHY IS POLICYKLUB YOUR ONE STOP SOLUTION TO GET INSURED ONLINE?
EASY ACQUISITION OF POLICY
What would you choose - buying a car insurance policy from an agent or an insurance company after long hours of waiting in a queue OR buying a car insurance with just one click from your smart- phone without any difficulties? Purchasing a car insurance from PolicyKlub.com makes it convenient to buy car insurance and saves your time as it gives you the option of purchasing it at any time you want.
EASY COMPARISON FOR THE RIGHT DEAL
Gone are the tedious days of confusing research and going from office to office to compare and get the right deal. No need to be dependent anymore! You can compare various deals on PolicyKlub.com from different insurance companies, understand the features of the policy, compare premiums and choose the policy that suits you the best, at home, without any doubt or confusion!
With Policyklub.com, you don’t have to worry about filling up a long hand-written form or submitting numerous documents. No worries of messing it up and starting all over again! With the online insurance you get the convenience of only filling out important details in a short form that will take you directly to the purchase button on submission of the form.
CREDIBLE INSURER CHECK
In the Digital Era, you can easily check the insurance company on PolicyKlub.com, whose policy you like the most and you can also go through its respective social media handle to get a proper idea about the credibility of the company.
QUICK RECEIPT OF POLICY
With the purchase from PolicyKlub.com, you get your car insurance quickly. When you purchase an insurance, the details of that insurance will be emailed to you on your registered email-id’s inbox as soon as the online payment for the insurance has been processed.
HOW TO SAVE ON CAR INSURANCE PREMIUM
In case, if you are not planning to buy a new car immediately after selling the old car, then you have the option of reserving this bonus for the next 3 years as this is how long it takes for NCB’s to be transferred on termination of motor insurance policy.
TYPES OF CAR INSURANCE
WHAT IS INCLUDED AND EXCLUDED IN CAR INSURANCE POLICY.
|Damages/Loss to own car due to an accident|
|Damages/Loss to own car in case of Fire/Theft/Riots/etc|
|Damages/Loss to own car due to natural calamities|
|Theft of Your Car|
|Personal Accident Cover|
|Damages to Third-Party Vehicle|
|Damages to Third-Party Property|
|Injuries/Death of Third-Party Person|
|Doorstep Pickup and Drop|
|Customize your IDV|
|Extra protection with customized add-ons|
HOW TO FILE A CLAIM
DOCUMENTS REQUIRED FOR PRIVATE CAR INSURANCE CLAIM
- Claim Form
- Valid Driving License
- Registration Certificate Book
- Police Report (F.I.R/ Spot survey if T.P.)
- Fitness Certificate/ PUC for commercial vehicles
- Insurance Policy Document and Endorsement
FILING FOR CLAIM IN CASE OF DAMAGE TO PRIVATE CAR
- Inform the insurance company on their toll-free number.
- Submit a claim with a duly signed Claim Form.
- Keep a duplicate of your Valid Driving License, RC book, Policy Document Ready.
- A surveyor will be assigned for inspection.
- Police report, if required. (Kindly list the contact details and vehicle number of people involved in the accident).
- Original Repair Estimate Bill
- In the case of cashless service, only Invoice receipt.
- In the case of a refund provide the estimate bill, original invoice, and payment receipt.