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Car Insurance in Chennai

Car Insurance price in Chennai starting at just ₹2,094*

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Third Party Car Insurance

Home / Car Insurance / Chennai

Chennai, a bustling metropolis known for its dense traffic and evolving IT hub. Due to the rising traffic, car insurance policy in this capital city of Tamil Nadu becomes very crucial. Whether driving on the busy streets of T. Nagar or commuting along the IT corridors of OMR, car owners in Chennai need a car insurance policy to stay protected against accidents, theft, and natural calamities like floods during monsoon. In fact, it is mandatory to have at least a third-party policy. Scroll through the section below to know more about car insurance in Chennai.

Car Insurance Policies Available in Chennai
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You can buy three different types of car insurance policies with ACKO:

1. Third-party Insurance
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According to the Motor Vehicle Act of 1988, a third party insurance is a must-have for all vehicle owners. Under this plan, you can enjoy financial protection if there is any damage to a third-party.

2. Own Damage (OD) Car Insurance
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A third-party insurance might not be sufficient while driving a vehicle in Chennai as it does not cover you if your vehicle is stolen or damaged in an accident, fire, natural or man-made disaster, etc. To get protection for your vehicle against any such damage, you need to have Own Damage Insurance Cover.

3. Comprehensive Car Insurance
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The best recommended plan that you should consider buying in Chennai is a Comprehensive Insurance plan. This policy protects you if there is any third-party damage or damage to the vehicle. Thus, it is better to opt for Comprehensive Insurance for broader insurance coverage for your vehicle and to reduce your financial burden during times of crisis.

Why Should You Buy Car Insurance in Chennai?
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Listed below are some of the reasons why you should buy a car insurance policy in Chennai:

Inclusions and Exclusions of Car Insurance Policy in Chennai
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The common inclusions and exclusions of a car insurance policy in Chennai are: 

Inclusions:

Exclusions:

ACKO Car Insurance Add-on Covers in Chennai
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Some of the add-ons that you can include while buying a car insurance policy in Chennai are as follows:

Factors Affecting Car Insurance Premiums in Chennai
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The car insurance premium is dependent on a number of factors such as the following:

Type of Vehicle
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Depending on the vehicle type, the car insurance premium in Chennai may vary. Typically, sedan cars have a higher premium as compared to other vehicle types. 

Type of Insurance Coverage
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The premium amount will vary depending on the policy you choose to buy. Typically, a Comprehensive policy will cost you more than the other plans available. 

Driving Record
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In Chennai, if the policyholders hold a bad driving record, then they will be liable to pay a higher premium as compared to the others. So, it is advisable to maintain a clean driving record. 

Geographical Location
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Premiums may be higher in areas with higher traffic density, crime rates, or severe weather conditions. Thus, vehicle owners in Chennai, may sometime end up paying higher premiums due to the chances of floods. 

Deductibles
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Higher deductibles typically result in lower premiums. So, while buying car insurance in Chennai, you can customise the deductibles accordingly. 

Anti-theft Devices
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The installation of anti-theft devices approved by ARAI  helps policyholders get discounts on the premium amount in Chennai. The installation of anti-theft devices reduces the insurer's liability, hence the premium gets lower. 

How To Buy Car Insurance Online in Chennai with ACKO?
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Here are the steps in which you can buy car insurance online in Chennai with ACKO:

Benefits of Car Insurance Renewal Online in Chennai with ACKO
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Whether you buy your car insurance policy with ACKO or any other insurer, it is important to renew the plan as it comes with an expiry date. So, here are some of the reasons why you should renew your car insurance policy with ACKO:

Quick Process
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The process to renew a car insurance policy with ACKO is quicker and seamless. You just need to enter a few details and get the policy renewed at your fingertips.

Minimal Paperwork
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There is almost zero paperwork required when it comes to renewing ACKO car insurance. You can submit all the required documents online to complete the renewal process.

Abide by Laws
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According to the Motor Vehicles Act, having at least a third-party car insurance policy is important. So, to avoid paying penalties, you need to renew the car insurance policy before its expiry.

How to File a Car Insurance Claim Online at ACKO in Chennai
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Listed below are the steps you need to follow to file a car insurance claim with ACKO Chennai

Documents Required for Filing a Car Insurance Claim in Chennai
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Listed below are some of the documents required to file a car insurance claim in Chennai:

How to Download Your Car Insurance Policy Copy in Chennai
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Here is how you can download your car insurance policy in Chennai:

Factors to Consider to Buy the Best Four-Wheeler Insurance Policy Online in Chennai
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Listed below are the factors to consider when buying a four-wheeler insurance policy online in Chennai:

Frequently Asked Questions (FAQs) about Car Insurance in Chennai
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FAQs

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What are the different types of car insurance policies available in Chennai?

The different types of car insurance you can buy in Chennai include Comprehensive Car Insurance, Third-party Car Insurance, and Standalone Own-damage car insurance.

How can I buy the best car insurance policy in Chennai?

To buy the best car insurance policy in Chennai, you should compare all the policies available and buy it with insurers like ACKO.

What factors must I consider while buying a car insurance policy in Chennai?

Some factors you need to consider to buy the best car insurance policy in Chennai include claim settlement ratio, inclusions, exclusions, premium amount, type of policy, etc.

Do I need to renew my car insurance plan in Chennai?

Yes, you must renew your car insurance policy in Chennai before expiry.