Car insurance in Bangalore
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In a city like Bengaluru, the need for vehicle insurance is all the more essential because of the high-density traffic that may lead to the possibility of damages to your car due to accidents. Read on to know more about car insurance Bangalore and how you can buy or renew car insurance online.
Car insurance plans in Bangalore
ACKO provides different types of car insurance plans for your needs.
1. Third-party Insurance
As a vehicle owner, it is mandatory to own third-party car insurance while driving a car in India. It offers financial protection against liabilities if you damage someone else’s car/property or injure someone in an accident.
2. Own Damage (OD) Cover
Third-party Insurance does not cover you if your vehicle is stolen or is damaged in an accident, fire, natural or man-made disaster, etc. For insurance coverage for your car, you should consider buying the Own Damage Cover along with the mandatory Third-party Insurance.
3. Comprehensive - Basic
Third-party Liability Plan and Own Damage Plan of the Comprehensive Plan secures you against financial liabilities arising from third-party liabilities, and damages or losses to your car due to theft, accidents, floods, riots, and more. It is better to opt for Comprehensive Insurance for broader insurance coverage for your vehicle and reduce your financial burden.
4. Comprehensive - Super Saver
This is a unique car insurance plan curated by ACKO. It offers comprehensive benefits and an excellent claim experience. We shall pick up your car, get it repaired at our partner garages, and deliver it back without a cost. The only aspect is that if you don’t inform us before any claim-related repairs, you have to bear Rs. 5,000 as deductible.
5. Zero Depreciation - Basic
It is popularly known as bumper-to-bumper car insurance. It provides all the benefits of a Comprehensive - Basic plan and covers the depreciation costs of parts. Without the benefits of this plan, only some parts such as plastic and fibre parts are covered.
6. Zero Depreciation - Smart Saver
The Zero Depreciation - Smart Saver plan is a customised car insurance plan designed by ACKO that offers all the benefits of a Zero Depreciation - Basic plan at a lower price. The only catch is that you pay a deductible of only Rs. 5,000 during claims. The rest of the repair costs are taken care of by us. The plan is ideally suited for those who may think that the chances of raising a claim are low.
7. Zero Depreciation - Super Saver
Available only on ACKO, you get to enjoy the benefits of Comprehensive and Zero Depreciation along with a superior claim experience. We shall pick up your vehicle during claims, repair it at one of our partner garages, and deliver it back at no cost to you. The only aspect you need to keep in mind is that if you fail to inform us before claim-related repairs, you must bear Rs. 5,000 as a deductible.
8. Personal Accident Cover (PA)
The PA cover is not a Car Insurance Plan but an additional cover to your car insurance. As a vehicle owner, you must purchase the PA cover and the Third-party Car Insurance Policy since it is mandatory as per The Motor Vehicles Act, 1988. It provides financial protection against permanent disability or death while driving a car.
Disclaimer: The above plans are subject to availability.
Need for car insurance in Bangalore
Bengaluru, formerly Bangalore, is known for its Information Technology (IT) companies, startups and several manufacturing industries. Being one of the country's most developed and modern cities, many prefer to make Bengaluru their home. With Bengaluru growing rapidly, vehicle traffic density has increased accordingly, resulting in several difficulties faced by car owners.
While travelling in a car is convenient, the possibility of breakdowns, flat tyres, or probably even accidents cannot be ignored. Such instances can drain your finances as you will have to pay for related repairs from your pocket. However, there’s no need to carry this burden all by yourself thanks to car insurance.
To overcome the financial losses in such scenarios, car insurance provides financial assistance for repairs, theft, and natural or manmade calamities. It also settles third-party claims. Thus, insuring your car with a wide-ranging policy is a must.
Difficulties faced by car users in Bangalore
Over-crowded city: Traffic congestion in Bengaluru is getting worse day by day. As a result, commuting in Bengaluru during peak hours (morning and evening) is one of the most challenging tasks a car user experiences. Due to such overcrowding, the possibility of damage to cars is higher in cities like Bangalore.
Poor road infrastructure: The road infrastructure in Bengaluru is in poor condition. Potholes, broken roads, road civil works, etc., are some of the challenges faced by car users. Such poor conditions make it difficult for car users to commute on Bangalore roads and increase the chances of damages to your vehicle and third-party liabilities.
Unmindful pedestrians: With heavy vehicle traffic density and poor road infrastructure, pedestrians tend to be unmindful of the passing vehicles. Unattentive pedestrians can result in accidents, and you may have to bear the expenses of third-party liabilities.
Unexpected natural calamities: Bengaluru has been witnessing unexpected heavy rains, leaving the city infrastructure tattered. Cars can be damaged due to flooding due to incessant rains, and you have to bear the cost of the repairs.
How to buy car insurance in Bengaluru
Buying car insurance in Bangalore is easy through our online platforms such our website or mobile app. There is no need to visit our office location. At ACKO, you can buy car insurance online. Here is a quick way to insure your car in Bengaluru.
Step 1: You can scroll to the top of this page to get a quote for car insurance in Bengaluru or use our mobile app.
Step 2: Provide a few details of your car, pay the premium and receive the policy document via email. You can also download the policy document from our website or mobile app.
Benefits of buying car insurance from ACKO
ACKO is a digital insurance company, and below are some of the unique benefits of buying car insurance from us.
1. Low-cost plans
When you purchase car insurance directly from ACKO, you avoid paying commissions to middlemen. It allows us to design affordable car insurance plans for you so that you get the best car insurance in Bengaluru.
2. Superfast claims
Register your claim through our website or mobile app. We shall pick up your car, repair it at one of our partner garages and deliver it back to you per the policy's terms and conditions. Please note that this service is available in select cities.
3. Unique plans and discounts
ACKO has curated different types of car insurance plans. You can choose the plan that suits your needs the most. We also offer discounts on special occasions and festivals.
How to file a claim with ACKO
Just like our simple insurance purchase journey, our process to raise a claim is easy too and completely paperless. Here are the steps to raise a claim on ACKO.
Step 1: Visit our website or mobile app to access your account.
Step 2: Select the policy, choose "Claim", and answer queries about the damages to your car.
Step 3: Upload the soft copies of documents and photos of the damaged vehicle to register your claim.
How can ACKO car insurance financially protect your car in Bangalore?
Known for its notorious vehicle traffic and poor road conditions, Bengaluru also suffers from a large number of cars and bikes being added to the city every day. With poor infrastructure and massive vehicle density, the possibility of damage to your car increases. Therefore, it is ideal that you buy car insurance in Bengaluru.
At ACKO, we want to have a direct relationship with you. Hence, there are no middlemen; you can purchase car insurance for new and old cars through our website or mobile app. You can also use the ACKO car insurance premium calculator to get an instant quote.
Reasons you should buy/renew car insurance in Bangalore
1. Avoid heavy penalties
Third-party car insurance is mandatory as per The Motor Vehicles Act, 1981. Failure to insure your car with this plan may result in heavy traffic fines. The traffic penalty for the first offence is Rs. 2,000, and the fine for subsequent violations is Rs. 4,000 and/or imprisonment of up to 3 months. There is also the possibility of suspension of your Driving Licence (DL). Therefore, buying ACKO third-party insurance can help you avoid paying heavy traffic fines.
2. Comprehensive Insurance to your rescue
For wide-ranging insurance coverage for your car, you should opt for Comprehensive Insurance since it protects you against third-party liabilities and damages to your vehicle. Ensure you renew car insurance in Bengaluru on time to enjoy continuous insurance coverage for your vehicle.
3. Car insurance add-on covers suitable for Bengaluru
If you feel the Comprehensive Car Insurance Policy does not cover everything, you can include add-on covers in car insurance to increase the coverage. For example, the Comprehensive Plan does not cover damages to the car engine. Hence, buy the Engine Protection Cover along with the Comprehensive Policy, as it reimburses the expenses incurred towards replacing or repairing engine parts such as gearbox or differential assembly.
Also, read: Bike Insurance Bangalore
Frequently asked questions
Here are some of the common queries about car insurance in Bengaluru.
Which is the best car insurance in Bangalore?
The best car insurance policy must not only cover the third-party liabilities but should cover damages to your car or losses incurred by your car. For example, if your vehicle is damaged in the flooding, your insurance should cover the damages. This is possible only if you have opted for the Comprehensive Car Insurance Plan. It also can include valuable car insurance add-ons to enhance the standard car insurance plan.
Can I buy car insurance online in Bengaluru?
Yes, at ACKO, you can perform all transactions, including purchasing, raising car insurance claims, or renewing the plan online. Since we operate through the digital platform, you can buy vehicle insurance in Bangalore online by visiting our website or mobile app.
Is Zero Depreciation required for car insurance in Bangalore?
The Zero Depreciation car insurance in Bengaluru is an excellent insurance cover if you want the insurer to pay for the depreciation of the parts instead of deducting them while settling the claim. Hence, if you want the insurer to pay the complete repair bill and not consider depreciation, you can choose this plan for an extra premium.
