Car Insurance in Bhopal
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Bhopal is the second most populated city in the state of Madhya Pradesh. As a result, the vehicular traffic density in the city is high, which consequently increases the chances of road accidents. Thus, insuring your car with a suitable four-wheeler insurance policy is a must. Here’s how to buy car insurance in Bhopal.
Car insurance plans in Bhopal
If you are searching for the best car insurance policy in Bhopal, look no further! Here are the plans that ACKO offers to financially protect you against various car-related expenses in Bhopal.
1. Third-party Cover
In accordance with The Motor Vehicles Act of 1988, every car owner must buy third party car insurance to be financially protected against third-party liabilities. These include injuries, death and property damage befalling a third party as a result of a collision with your car.
2. Own Damage (OD) Cover
An OD cover provides coverage for damages or total loss occurring to your vehicle. The inclusions under this cover are vehicle theft, accident-induced damages and losses due to natural and man-made catastrophes.
3. Comprehensive - Basic
This cover provides the benefits of both the Third-party and OD Cover. So, you are covered against third-party liabilities and loss or damage occurring to your own vehicle.
Comprehensive - Super Saver
This plan offers all the coverages of a Comprehensive - Basic Plan, plus an added benefit that offers a superior claims experience. As per this plan, if you raise an accident claim, we will get your car repaired at a network garage and deliver it back to you at zero cost. Nevertheless, keep in mind that if you get repair work done without informing us, you need to pay a deductible of Rs. 5,000.
5. Zero Depreciation - Basic
Zero Depreciation Car Insuranceis sometimes also referred to as “bumper to bumper insurance”. This plan includes all the coverages of a Comprehensive - Basic Plan, plus protection against the depreciation of vehicle parts. If you don’t buy this plan, fibre and plastic car parts will be covered only partially.
6. Zero Depreciation - Smart Saver
As may be obvious by its name, this plan offers all the coverages of a Zero Depreciation plan, but at a discounted cost. The only catch is you have to first exhaust Rs. 5,000 as deductible from your side before the benefits of this plan kick in. So, if you are sure of your driving skills, this plan may be a good cost-saving insurance option for you.
7. Zero Depreciation - Super Saver
This plan provides the benefits of a Zero Depreciation - Basic Plan. You also can avail of a free pick up, repair and drop service for approved repairs. Just be careful to inform us before getting your car repaired on your own. Because, if you don’t, you will have to pay a deductible of Rs 5,000 from your side.
8. Personal Accident Cover
A Personal Accident Cover is not technically a motor insurance plan. Nevertheless, it is a compulsory requirement as per Indian road laws. It provides monetary compensation if the insured unfortunately incurs bodily disability or death due to an accident.
Note: The details of the above-mentioned plans are for only explanatory purposes. Kindly refer to their respective policy documents before buying a plan and raising a claim.
Need for car insurance in Bhopal
Bhopal, the capital of Madhya Pradesh, is a hub for nationally renowned educational institutions like the Indian Institute of Information Technology (IIT) and the All India Institute of Medical Sciences (AIIMS). It also houses important heritage sites. Thus, being a developing and a crowded city, there’s an increased risk of car accidents. Hence, insurance is necessary for cars in Bhopal.
Difficulties faced by car users in Bhopal
Here are some of the common issues faced by car drivers in Bhopal.
High accident rate: As per a report by the Transport Department of Madhya Pradesh, Madhya Pradesh is the state with the second-highest number of accidents in the country.
Poor road construction: Some of the roads in Bhopal are poorly constructed. Consequently, during monsoon season, potholes in these roads fill up with water and cause accidents for unsuspecting car drivers.
Road congestion: Similar to other prominent cities, Bhopal roads have traffic jams during peak hours in the morning and evening. Hence, road congestion is a frequent occurrence in the city.
How to buy car insurance in Bhopal
Since ACKO is a digital-first insurer, you can buy our vehicle insurance policies online from your internet-connected smartphone or computer. Here's a step-by-step guide on how to do so.
Step 1: Visit the ACKO website or our smartphone app. Enter basic car-related and previous policy details (if applicable).
Step 2: Go through our car insurance plans and choose the one that suits your requirements the most. Also, opt for add-ons as per your needs.
Step 3: Pay for the coverages online and receive the relevant policy document in your registered email ID’s inbox.
Similar steps can be followed to renew car insurance online with ACKO.
Benefits of buying car insurance in Bhopal from ACKO
If you are looking for a good car insurance company in Bhopal, here’s why you should strongly consider ACKO.
1. Affordable insurance
ACKO is a digital-first company. We follow a zero-commission model and have low operational costs resulting in savings. These savings are in turn used to offer cost-effective plans.
2. Immediate claims for minor damages
After being in an accident, you are already frustrated, and the last thing you want to do is wait endlessly for claim settlement. At ACKO, we try to settle claims (as per terms) for minor damages within a few hours from when you raise the request.
3. Special plans and discounts
Some of ACKO’s plans are exclusive. These plans were formulated after carefully considering our customers' requirements and budget. Apart from these plans, you can also avail of discounts if you buy or renew a policy during festivals or special occasions.
How to file a claim with ACKO
If you find yourself requiring financial assistance for a car-related issue covered by your policy, you can raise a car insurance claim by following these simple steps.
Step 1: Visit the ACKO website/app and sign in to your account.
Step 2: Go to your car’s policy card and click on “Claim Now”.
Step 3: Reply to some questions regarding the nature of the claim and upload applicable pictures. Then, click on “Submit”.
After your claim is submitted, we will process it and offer the relevant coverages as per the terms of the policy.
How ACKO Car insurance can financially protect your car in Bhopal
You need not buy car insurance from an agency in Bhopal, you can buy it directly from us. Here’s how buying ACKO Car Insurance (Comprehensive Policy) in Bhopal can help you.
If you buy ACKO insurance, you need not bear all the expenses for accidental damages to your car on your own. We will pitch in as per the coverages you have chosen.
You can get the mandatory third-party cover from us to meet legal requirements.
If your car is stolen or is damaged beyond repair, you can claim the Insured Declared Value (IDV) of the vehicle.
Our claim process is rapid and we have a good claim settlement ratio of 95.53% for FY 21-22 (For Private Car Insurance). So, you don’t need to wait long to get compensated for your loss.
We offer 24x7 assistance for queries and claim-related assistance in Bhopal.
Frequently asked questions
Here are the commonly asked questions about car insurance in Bhopal. Go through them to get your doubts cleared.
What is the consequence of driving without car insurance in Bhopal?
As per the Motor Vehicles Act of 1988, if you drive without car insurance in Bhopal or other parts of India, it is considered a traffic offence. Penalties for the same include paying a fine and/or serving jail time.
If I buy car insurance in Bhopal, can I drive in other parts of India too?
Yes, if you buy car insurance in Bhopal, you can drive in other regions of India as well.
How do I go about ACKO car insurance renewal in Bhopal?
You can renew your ACKO four-wheeler insurance in Bhopal by doing the following. Visit our website and enter your car and previous policy details. Then, select a prefered plan and necessary add-ons if required. Finally, pay for the chosen plan online and receive the new policy document via email.
What are the ACKO car insurance rates in Bhopal?
The rates for ACKO car insurance in Bhopal depend on the type of plan and add-ons you select. To get a free quote, you can use our car insurance premium calculator.
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