Bentley Flying Spur Car Insurance
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Purchasing an iconic luxury sedan like the Bentley Flying Spur is the dream for many car enthusiasts. However, owning this powerful British beast involves more than just driving it out of the glitzy showroom. One of the most crucial responsibilities of every Bentley owner is buying comprehensive car insurance. Without adequate insurance, not only is driving the Flying Spur illegal, but owners also risk facing massive financial losses in case of accidents, damages or theft of their prized possession. Hence, a good insurance policy acts as a protective shield and provides complete peace of mind to Bentley owners.
Let's take a closer look at why buying car insurance online is absolutely essential for the Bentley Flying Spur and how to pick the best coverage for your needs.
Why Should You Buy Car Insurance For Bentley Flying Spur?
Here are some important reasons why buying insurance is critical before driving this beast on Indian roads:
Mandatory Legal Requirement
According to the Indian Motor Vehicles Act, it is illegal to drive any car on public roads without a valid insurance policy. The regional transport authorities can penalise uninsured car owners, and driving without insurance can cause legal complications in case of accidents.
Financial Protection
The Bentley Flying Spur is a pricey asset. In the unfortunate event of an accident, own damage, theft or total loss, the costs of repairs or replacement can run into crores of rupees. Comprehensive insurance shields owners from such a massive financial drain.
Third-Party Liability Coverage
As per Indian laws, third-party car insurance is compulsory for all vehicles. This covers legal and financial liabilities arising from death, disability or property damage caused to a third party due to an accident involving your car. For luxury cars like Bentley, third-party damages can be very high, and hence this coverage is critical.
The Most Common Types Of Car Insurance For Bentley Flying Spur
There are a few popular insurance options specially designed for high-end luxury sedans like the Bentley Flying Spur:
Third-Party Liability Only
This basic policy only fulfils the legal requirement of providing third-party liability cover. Damage or loss to the Bentley itself is not covered. Owners need to buy separate damage policies.
Comprehensive Insurance
The most recommended and prevalent choice for luxury cars is the comprehensive insurance plan. It bundles third-party liability cover with its own damage cover providing extensive protection. Accident repairs, theft, natural calamities - all damages to the Bentley are covered.
What is Covered
What is Not Covered
What Is Covered In Bentley Flying Spur Car Insurance?
The Bentley Flying Spur is eligible for insurance coverage against a wide range of damages and losses. Here are some important inclusions in a standard comprehensive car insurance policy:
Third-party liabilities - covers bodily injury and property damage claims by third parties arising from an accident.
All kinds of own damages to the car due to collisions, accidents, overturning, malicious acts etc. - covers costs of repairs and replacements.
Theft - loss or damage due to theft of the insured Bentley is covered, along with any attempted theft.
Man-made calamities - riots, strikes, civil commotion, terrorist activities etc. leading to damage to the car.
Natural calamities - flood, storm, cyclone, earthquake damage to the Bentley Flying Spur.
Fire and explosion-related losses - damage due to fire incidents, gas cylinder blasts etc.
What Is Not Covered By Bentley Flying Spur Car Insurance?
While comprehensive insurance provides extensive coverage, Bentley owners must be aware of standard exclusions in these policies:
Normal wear and tear of parts, regular maintenance - not considered damage.
Mechanical or electrical breakdown, failure of parts - not covered as damage.
Accidents caused by driving under the influence of alcohol or drugs.
Consequential losses, zero depreciation, and any pre-existing damages.
Losses occurring outside specified geographical limits in the policy.
Damage caused deliberately by the insured.
Losses when driving without a valid licence or breach of law - not payable.
Add-ons For Bentley Flying Spur Car Insurance
To enhance the insurance protection for their Bentley Flying Spur, owners can opt for useful add-ons like:
Zero Depreciation Cover - waives off all depreciation deductions on parts by the insurance provider.
NCB Protection Cover - retains No Claim Bonus even if a claim is made during the policy term.
Engine and Gearbox Protection - pays for damage to critical engine and transmission components.
Key Replacement Cover - pays for new keys if originals are lost, stolen or locked in a car.
Roadside Assistance provides repair help, fuel delivery, towing etc., in case a car breaks down on the road.
Hydrostatic Lock Cover - covers expensive damage due to water ingression into the engine.
The add-ons are offered on an as-available basis.
Benefits Of Buying Car Insurance For Your Bentley Flying Spur
Many insurers offer a seamless online insurance buying and claims experience for luxury cars like the Bentley Flying Spur with these benefits:
Quick Online Purchase: The entire policy can be bought online in minutes without paperwork.
Competitive Pricing: Attractive premiums and discounts exclusive for luxury cars like Bentley.
Flexible Plans: Option to customise plans with add-ons as per individual needs.
Cashless Garage Access: Fast cashless claims servicing at authorised luxury garages.
Speedy Claims Settlement: Digital document submission and survey promises the fastest claims support.
Dedicated Assistance: Experts guide Bentley owners in choosing the optimal insurance plan.
Doorstep Services: Free pick up and drop for servicing or repairs.
How To Buy/Renew Bentley Flying Spur Insurance
Buying or renewing insurance for your Bentley Flying Spur is a quick and simple process:
Step 1: Visit the insurer’s website or mobile app and enter your Bentley's registration number for quotation.
Step 2: Choose your preferred insurance plan - third-party only or comprehensive. Select add-ons if needed.
Step 3: Fill in the online application form providing basic details.
Step 4: Pay the premium online securely via credit/debit card, UPI, net banking etc.
Step 5: A digital insurance policy copy will be emailed instantly. A hard copy follows in a few days.
4 Easy Steps To Raise A Claim
Top insurance companies ensure a smooth claims process for Bentley owners:
Step 1: Initiate claim via the insurer’s website or mobile app by providing basic details.
Step 2: Upload scanned copies of required claim documents like RC, FIR etc.
Step 3: The insurance company representative will inspect the damaged Bentley and initiate the survey process.
Step 4: After verification, the approved claim amount will be credited to your bank account within hours.
Conclusion
The Bentley Flying Spur is a prestigious luxury sedan prized possession for any car aficionado. Comprehensive insurance is imperative to protect against the high costs of repairs or damages. Choosing the right insurer guarantees a seamless online insurance buying experience and speedy claims support - providing Bentley owners with complete financial peace of mind!
Frequently Asked Questions on Bentley Flying Spur Car Insurance
FAQs
What documents are required to insure my Bentley Flying Spur?
You'll need to provide your car's RC book, invoice copy as proof of purchase, KYC documents like ID/address proof, previous policy copy in case of renewal, No Claim Bonus certificate, etc., during the application.
Does the Bentley Flying Spur require any special or extra insurance?
No, the regular Private Car Package Policy offering comprehensive coverage is sufficient insurance for your Flying Spur. You can additionally opt for add-ons as per your specific requirements.
Will accessories fitted on my Bentley be covered?
Yes, accessories that are factory-fitted by default will be covered, but you'll need to specifically insure customised or aftermarket accessories fitted externally to get coverage.
Can I get discounts on Bentley Flying Spur insurance?
Yes, insurers offer discounts on Own Damage premiums for features like membership in recognised vintage car clubs, installed ARAI-approved anti-theft devices, voluntary deductibles, etc., subject to terms.
What will invalidate the insurance on my Bentley Flying Spur?
Driving under the influence of alcohol/drugs, lapsed policy, unauthorised modifications, non-disclosure of facts, driving without a valid licence, violation of law, etc., can invalidate your Bentley's insurance.
Will my No Claim Bonus be affected if I change my insurer?
Yes, the NCB is specific to each company and will be impacted if you switch insurers. However, some insurers may allow the transfer of NCB from the previous company subject to terms.
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