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Compare Car Insurance Policies Online

Compare Car Insurance Policies Online

Why Compare Car Insurance Online?

By comparing car insurance policies online, you can get a better deal on the premium amount. It also allows you to find a car insurance policy that is rich in features and is suitable for your requirements. Here are some reasons which will help you understand why you should compare policies before buying car insurance.

Value for Money

Comparing car insurance policies based on their cost will help you understand if the policy fits your budget. It is important to note that a low-priced policy may offer less coverage as compared to a car insurance policy that costs more. Buying a third-party car insurance policy is mandatory by law, however, going for a comprehensive plan will be beneficial as it offers more coverage. You can get an additional layer of security by opting for Smart Zero Dep add-on.

Coverage Options

Comparing policies will help you understand the features of a policy that might give the most suitable coverage. When your priority is better coverage, you can easily compare various types of car insurance policies based on this factor. A third-party car insurance policy offers the least amount of coverage as compared to a comprehensive policy powered by the zero depreciation add-on. Comparison will give you a clear idea of the coverage offered by each type of car insurance policy.

Better Services

Comparing car insurance will give you an idea of the services offered on each plan. We can provide a bunch of additional services if you opt for a comprehensive plan. We offer instant services like 3-day repair service in metro cities and 1-hour pickup of damaged vehicle.
Types of Car Insurance Policies

Comparing Types of Car Insurance Policies

Third-party Car Insurance

If you compare a third-party car insurance policy to a comprehensive policy, you will understand that a third-party policy offers less coverage. It only covers you against any third-party liabilities. However, you cannot raise a claim for damage caused to your car. Buying at-least a third-party car insurance policy is mandatory under The Motor Vehicles Act, 1988.

Comprehensive Car Insurance

Compared to a third-party policy, a comprehensive policy will cover you for the damage caused to your car as well. By comparing a comprehensive policy to a policy powered by zero depreciation add-on will help you gauge the coverage offered by both the policies.
Add-ons are additional coverage options which will enhance the scope of a comprehensive car insurance policy.

The 5 most common Add-ons are:

Third Party
Comprehensive
Comprehensive + Zero Depreciation
Damage to a third-party vehicle
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Own Damage
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Theft
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Damage due to fire
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Damage due to natural causes
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Personal Accident cover
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Depreciation fees
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Engine protection
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Optional Add-on
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NCB protection
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Optional Add-on
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Invoice cover
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Optional Add-on
Optional Add-on
Important Factors Used To Compare Car Insurance Policies

5 Important Factors Used To Compare Car Insurance Policies

Before you begin with comparing various policies, you need to understand the factors based on which you can compare a similar type of policy. Here are the important factors based on which you can compare car insurance policies.
FACTOR # 1

Price

Even though cost is the major factor, do not compromise on the features of the policy. Look around for the prices offered by different insurers. But, also keep in mind the covers that you need. Pick a policy that suits your requirements and pocket both.
Price
Coverage
FACTOR # 2

Coverage

Apart from the basic coverage, look out for add-ons such as Zero Depreciation, Return To Invoice, etc. You must understand your driving habits well before buying an insurance policy.You may also want to take into consideration other value-added services offered by an insurance company.
FACTOR # 3

Customer Reviews

You do not want to spend money on an insurance policy and still be left uncovered during difficult times. So, it is important to go through the customer reviews for an insurer.Knowing the claim settlement ratio of an insurance company will be helpful.Also, dedicating some time to do a research on the after-sales services provided by the company may be beneficial.
Customer Reviews
Your Car’s Age
FACTOR # 4

Your Car’s Age

The Insured Declared Value or IDV depends on your car’s value. However, the value of your car reduces every year. So, the older a car is, the lower is its value. This can lower your premium and the sum assured.However, age also makes a car riskier and more susceptible to damages. Car insurance companies often check your car’s health while deciding the premium.
FACTOR # 5

Exclusions & Invalid Claims

It is always a good practice to understand what is covered and what is not covered under your car insurance policy.Going through the terms and conditions, policy wording, and fine-print while buying a policy will be helpful and reduce the chances of rejection or invalid claims.
Exclusions & Invalid Claims
ACKO White LOGOAcko General Insurance Ltd.Unit No. 301, 3rd Floor, E wing, Lotus Corporate Park, Off Western Express Highway, Jay Coach, Goregaon East, Mumbai 400063.Email: [email protected]Phone:1800 266 2256 (toll-free)
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CIN:U66000MH2016PLC287385
IRDAI Registration No:157
Category:Non-Life Insurance
Trade logo displayed above belongs to Acko Technology & Services Pvt Ltd and used by Acko General insurance Limited under License.For more details on risk factors, terms and conditions, please read the sales brochure before concluding a sale.