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Car Insurance Basics

How prepared are you to bear damages to your beloved car where damages could range from a broken taillight to total loss ?

Although it is mandatory to have only third-party liability cover , it does not cover you for damages to your own car. However, comprehensive car insurance can offset the incurred damage costs to a great extent.. In addition to comprehensive policies, there are add-on covers , availing which could have your car almost completely covered. They cover a variety of things like loss of keys, damage to electrical and non electrical parts, total damage and even return to invoice cover, the list goes on. One can buy these add on packages along with comprehensive vehicle insurance to avail a wider cover.

While it is good to have add-on covers along with the essentials, it pays to compare and analyze the packages offered. It is important to evaluate the cover we are opting for our car and look for specific features that we need along with the premium discounts and limitations. Knowing what your policy entails could guard you against sudden costs that you might not be prepared for otherwise.
Consider these points to get the maximum from your car insurance:
• 24X7 Toll Free Helpline
Many car insurance companies offer a 24X7 helpline that offers complete information to existing as well as prospective customers. The information could be about policy details, lodge complaints or to get claim assistance.

• Anytime, Anywhere Claims Reporting
Through this facility, you can report a claim to the insurance company anytime and from anywhere. The executives then guide you through the whole process and also help in identifying the nearest location where you can get assistance from authorised people or service centres.

• Warranty on Accident Repair
It gives you warranty for a specific period on the repairs done after the accident. The warranty is applicable if the repair work of the vehicle has been done at the listed garages or service centres. This service offered by very limited insurance companies.

• Cashless Claim Settlement at Network Dealers
Insurance companies have tie ups with garages and vehicle service points called Network Garages where you may avail cashless transaction facility subject to deductibles and voluntary payment. These may differ with the brand of your car. If you do not take the vehicle to a networked garage, you will not be able to avail the cashless facility but you may get reimbursement of the expenditures on production of relevant documents for the claim.

• Claim Settlement in 7 days
Speedier claims settlement has become an important feature in choice of an insurance company. To facilitate this, some insurance companies ensure that once all the documentation regarding the accident (copies of FIR, diving licences, repair bills etc.) are submitted, the claim will be settled within seven days.

• What is Easypolicy?
Easypolicy simply makes insurance easy. With Easypolicy, you may rest assured that you are making the right choice for your insurance policy. We not only offer quotes from various insurance companies, but also make price-feature comparisons for our users to see what each company has to offer. Moreover, we assist you with important information in a friendly interface, which helps you understand the intimidating world of insurance better so that you can make an informed choice.
Please refer to our Car Insurance FAQs for more Information.
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