By Car Insurance

Why You Need Car Insurance in India

India is a fast-developing country with a growing infrastructure, and having a car has become a necessity for many people. But owning a car also comes with certain risks, and one of the best ways to protect yourself from these risks is to purchase car insurance. In this blog post, we’ll look at why car insurance is so important in India and how it can help protect you and your vehicle.

own damage
One of the most important aspects of car insurance in India is own damage coverage. This coverage is designed to protect your vehicle from any physical damage caused due to an accident or any other type of mishap. Own damage coverage can also include coverage for natural calamities such as floods, earthquakes and storms, as well as theft and vandalism. When selecting a car insurance policy, it is important to look for the best life insurance companies that offer the most comprehensive coverage for own damage. That way, you can rest assured knowing that your vehicle is protected and that you’ll have some peace of mind in case of an accident or any other unfortunate event.

personal accident cover
Personal accident cover is an important aspect of car insurance in India. It helps to provide financial security to you and your family in case of an accident that results in death or disability. With personal accident cover, you can get up to Rs. 15 lakhs for death or permanent disability. This amount can be used for medical expenses, rehabilitation costs and other related costs.
Bajaj Allianz Life Insurance, Family American Insurance and Best Life Insurance Companies are some of the leading providers of personal accident cover. They offer policies that are designed to provide the best protection to you and your family in case of an accident. These policies also come with several additional benefits such as medical expenses, income replacement and much more. So, make sure you get the best coverage for your needs and budget with these leading companies.

24/7 roadside assistance
Having reliable roadside assistance is a must for any driver in India. It can be especially important if you find yourself stranded in a remote area or facing a breakdown at an inconvenient time. Thankfully, most car insurance plans in India include 24/7 roadside assistance as part of their coverage. This typically includes services such as towing and repairs, flat tire change, jump-start of dead batteries, and other emergency help.
For example, if you have an accident late at night, the roadside assistance may be able to send someone to help you quickly, making sure you get to safety without further damage to your vehicle. Additionally, some insurance policies cover the cost of a tow truck if you need one, as well as the cost of any necessary repairs or replacements. Having 24/7 roadside assistance will give you peace of mind, knowing that you’re covered no matter when an unexpected incident happens.

engine protector
Engine protector is an important feature of car insurance in India. It helps to cover the repair costs of any damage to the engine of your car caused due to natural disasters like floods, storms, and earthquakes. This coverage helps protect your financial investments in your car by shielding you from expensive repairs.
A good engine protector policy from a reliable insurer such as Family American Insurance or Bajaj Allianz Life Insurance can help you make sure that your engine is well protected. Generally, an engine protector policy covers the repair costs incurred from the damage caused by water entering the engine, overheating or any other mechanical breakdowns. It also covers the costs for repairing or replacing essential parts like the radiator and alternator.
So if you own a car in India, it is important to get a comprehensive engine protector coverage from a trusted provider to ensure that you are financially protected against any costly repairs.

no claim bonus
No Claim Bonus (NCB) is a great incentive for car owners in India who have made no claims on their car insurance policy over a period of time. It is a reward from the insurer for being a safe driver, and it rewards policyholders with discounts on their annual car insurance premiums. The longer you go without making a claim, the higher your NCB will be and the bigger your discount will be. This means that if you are looking to get a better deal on your car insurance in India, it pays to drive safely and maintain a good driving record.