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Bentley is one of the popular luxury car brands in the automotive world. The British luxury carmaker has a rich heritage in the world of motorsports. In 1998, Bentley Motors Limited became a part of the Volkswagen Group. Currently, the brand manufacturers luxury cars and SUVs, and it retails 4 models in the Indian market. Bentley cars are the epitome of luxury and comfort, and they come with a premium price tag. This article will provide you with all the information related to the Bentley car insurance cost.
Buying car insurance for Bentley models is a must. The Motor Vehicles Act states that it is mandatory to purchase at least a third-party car insurance policy, but it provides limited coverage. Comprehensive insurance is optional. However, for Bentley models, a comprehensive insurance plan is necessary as the cost of spares and service is very high. Below are the benefits of buying car insurance
A third-party or comprehensive insurance policy will cover you against damages caused to third-party property or life. In case you end up in a crash and injure someone, the car insurance policy will cover the medical expenses of the third-party.
Comprehensive car insurance covers damages to your car. The damages might have been caused due to an accident, natural disaster, man-made disaster or fire. Apart from vehicle damage, comprehensive insurance also covers injuries to the driver. In case of accidental death, the insurer will pay the insured amount.
In case your vehicle gets stolen, and you have comprehensive car insurance. Then the insurer will pay the IDV (Insured Declared Value) amount. Same applies if the vehicle is damaged beyond repair or totalled in a crash.
Comprehensive car insurance for Bentley models also allows you to purchase add-ons to expand the coverage benefits. You can buy add-ons such as roadside assistance cover, engine protection cover, accident cover, no claim bonus (NCB) cover, invoice cover and many more. The add-ons will add an extra layer of financial protection, and it will give you peace of mind while driving or parking your Bentley car.
There are two types of insurance plans for Bentley cars: Third-Party and Comprehensive insurance. Both plans offer different coverages, and they also vary in terms of cost. So, the Bentley insurance cost depends on which insurance plan you choose. Below are the coverage details of third-party and comprehensive insurance.
As per the Motor Vehicle Act, a third-party car insurance policy is mandatory. It covers damage to third-party life or property. A third-party insurance policy does not cover own damage, and you cannot buy any add-ons. Since the coverage is limited, it costs less than comprehensive car insurance.
The comprehensive car insurance policy provides own damage cover in addition to third-party damage liability. This plan covers damage to the vehicle due to accident, natural disaster, fire or man-made calamity. It also covers the theft of the insured vehicle. More importantly, comprehensive insurance covers injuries to the driver or passenger.
The Bentley car insurance provides coverage against the following:
Damage/Loss to the vehicle due to accident.
Damage/Loss to third-party property or injuries to third-party life.
Vehicle theft or totalled car due to accident.
Damage/Loss to the vehicle due to natural calamities such as flood, earthquake, cyclone, etc.
Damage/Loss to the vehicle due to man-made disasters such as riots.
Damage/Loss to the vehicle due to fire.
The Bentley car insurance will not provide coverage against the following:
Breakdown of the vehicle due to mechanical/electrical component failure.
Replacement or repairing of wear and tear parts.
Driving the vehicle without a valid driving licence.
Driving the vehicle under the influence of intoxicant substances.
Damages due to improper handling of the vehicle after crash/breakdown.
In case of third-party insurance policy, vehicle damages will not be covered.
A comprehensive car insurance policy will allow you to buy add-ons for additional coverage benefits. You can purchase the following add-ons for Bentley car insurance:
Engine Protection Cover
No Claim Bonus Cover
Roadside Assistance Cover
Personal Accident Cover
Return to Invoice Cover
Benefits of buying Bentley car insurance online from Acko:
Acko is an online platform for purchase/renewal/claim of car insurance. All the process happens online, and there is zero paperwork. Another advantage of online car insurance is that it eliminates the involvement of a middle man.
Applying for a claim is super easy on Acko. Just go to the website/smartphone app and make a claim. The claims will be settled depending on the nature of the damage, and for minor damages, claims may be settled instantly.
No need to worry about vehicle repairs as Acko will take care of that, and the entire process is cashless. (Applies to repair work carried out at insurer’r network of garages)
Acko will pick up the damaged vehicle from your location for repairs, and the repaired vehicle will be dropped off within three days. (Note: Vehicle pickup and three-day repair service is available in select cities)
All your queries related to car insurance will be solved by our team of experts. Trained professionals will assist you in buying/renewing insurance or while making a claim online.
Acko suggests you the optimum Insured Declared Value (IDV) for your vehicle and gives you the best price for the insurance.
Applying for a claim on Acko General Insurance website/smartphone app is easy and it takes only a few minutes. Follow the below steps to apply for a car insurance claim:
Log on to the Acko General Insurance website or download the smartphone app.
Select the Car Insurance Claim option.
Fill all the details such as car insurance policy number, vehicle registration number, type of damage, etc.
Upload pictures of the damaged vehicle, and apply for a claim.
Depending on the nature of the damage, Acko will pick up the damaged vehicle from your location within a few hours.
You can track the repair work online.
Depending on the nature of damage, the repaired vehicle will be delivered to you within three days.
For minor damages, you will receive the claim settlement instantly.
(Note: Doorstep vehicle pickup/drop service is available in select cities)
Below are the common queries related to car insurance for Bentley models.
Car insurance is available online and offline. But buying car insurance online is a better option. There are several insurance companies which offer insurance online. You will get the best price for online car insurance, and you can also save a lot of time.
The cost of car insurance depends on the value and condition of the vehicle. Bentley cars are expensive, so the cost of insurance will be high. But it all depends on what is the price of the vehicle during the purchase.
You can reduce the cost of premium considerably by following the below points: >Avoid making claims for minor damages. >Declare the correct value of vehicle while purchasing the insurance policy. >Renew the insurance policy before it lapses. >Avoid buying add-ons which you do not require. >Compare online insurance before making the final decision.
The claim settlement ratio is nothing but the ratio between the total number of claims settled and the total claims received by the insurance company. Usually, online insurance companies have a good claim settlement ratio as the claim process is quick and hassle-free.
You can buy the following add-ons for comprehensive car insurance: >Engine protection cover >No claim bonus cover >Return to invoice cover >Personal accident cover >Consumable cover >Roadside assistance cover >Depreciation cost cover
Usually, the following documents are required to renew car insurance: >Registration Certificate >Pollution Under Control (PUC) Certificate >The previous insurance policy certificate
If you have comprehensive insurance, such damages are covered. However, the spoiler is an aftermarket modification. If you had informed about the modification to the insurer, then chances are the damages will be covered. But if the insurer is unaware of such modifications, you may not be allowed to claim such damages.
IRDAI Registration No: 157
Category: Non-Life Insurance
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