Chevrolet Tavera Car Insurance

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Purchasing a brand-new Chevrolet Tavera is an exciting milestone that deserves to be cherished. You eagerly count down the days until you can finally drive this stylish and sturdy SUV out of the showroom. However, amidst all the enthusiasm for becoming a Chevrolet owner, one crucial task that shouldn't be overlooked is getting car insurance for your Tavera. This article will explain why car insurance is a must for your Tavera, the types of policies available and how to seamlessly buy or renew Chevrolet Tavera insurance online through ACKO.

Why should you buy car insurance for Chevrolet Tavera?

Here are some key reasons why buying a car insurance policy must be on top of your priority list as a new Chevrolet Tavera owner:

Meet Legal Requirements

As per the Motor Vehicles Act 1988, it is mandatory for all cars plying on Indian roads to have a valid third-party insurance policy. Driving without this basic insurance can attract heavy fines and even lead to imprisonment as per rules laid down by the Motor Vehicles Act.

Get Financial Protection

What if your precious new Tavera gets damaged in an accident, fire, natural disaster or other unforeseen event? The costs of repairing or replacing parts like the suspension, steering column, etc., can run into lakhs of rupees, which can be a huge financial burden. Comprehensive insurance covers such expenses.

Cover Liabilities

No one expects to get into an accident, but mishaps can happen despite careful driving. Your Tavera insurance will cover injury or property damage that may be caused to a third party due to an accident involving your car.

The most common types of car insurance for Chevrolet Tavera

Car insurance policies available for a Chevrolet Tavera in India primarily fall under three categories:

Third-Party Insurance

Also called Act Only or Liability Only Policy, this basic insurance covers injuries or damages caused by your car to a third party and their property. However, damages to your own Tavera will not be covered.

Comprehensive Insurance

True to its name, a comprehensive policy provides extensive coverage - both for third-party liability as well as damages to your own car due to risks like collisions, accidents, theft, fire, flooding, etc. This ensures complete peace of mind.

What is covered

What is not covered

What is covered in Chevrolet Tavera car insurance? (Inclusions)

The exact coverage offered by Tavera comprehensive car insurance policies may vary across providers but typically includes:

Bodily injury and property damage liability to third parties arising due to an accident by the insured Tavera.
Payments towards legal costs incurred for defending claims filed by third parties under the liability clause.
Damage to your own car due to incidents like collision, overturning, accidents, external impacts like tree falls, burglary, theft of vehicle or accessories.
Loss or damage caused by fire, explosion, self-ignition, lightning, earthquake, flood, typhoon, hurricane, storm, cyclone, inundation, frost, landslide, rockslide.
Terrorism, riots, strikes or malicious acts.

What is not covered by Chevrolet Tavera car insurance? (Exclusions)

Though Chevrolet Tavera insurance provides extensive coverage, some exclusions are applicable on commonly opted comprehensive policies:

Normal ageing, wear and tear of parts, regular servicing costs.
Mechanical or electrical breakdown, failure or breakage.
Damage arising when the insured Tavera is being used otherwise than in accordance with limitations as to use.
Damage caused to/by a person driving without a valid licence.
Loss/damage outside India, beyond the policy period, beyond personal use.
Consequential loss, depreciation, loss of use.
Participation in racing, motorsports, criminal or illegal activities.
Driving under the influence of drugs or alcohol.

Add-ons for Chevrolet Tavera car insurance

To enhance the coverage provided by Chevrolet Tavera insurance policies, insurers offer useful add-ons like:

Zero depreciation cover: Waives off depreciation on parts like rubber, plastic, glass, etc., for total insurance coverage.
Return to Invoice: Provides cover for the complete ex-showroom cost of the insured Tavera at the time of purchase.
Roadside assistance: Covers costs of repairs, towing, and minor assistance in case of an on-road breakdown.
Engine protector: Safeguards your finances in case of engine damage due to leakage of oil, water ingress or hydrostatic lock.
Key and lock replacement: Pays for new key and lock replacement costs if keys are stolen or damaged.
Consumable cover: Covers expenses incurred on consumables like engine oil, gearbox oil, nuts/bolts, etc., used during claims repairs.
NCB protection cover: Protects accumulation of No Claim Bonus even if you have made a claim.

Benefits of buying ACKO car insurance for your Chevrolet Tavera

Choosing ACKO for your Tavera's insurance provides unique advantages:

Zero Paperwork

ACKO's processes are 100% digital, so you never have to deal with physical documents. Hassle-free!

Price Transparency

Use ACKO's premium calculator to customise plans as per your budget and know premiums upfront. No hidden charges!

Express Claims

Small damages can be claimed and settled digitally within hours. Super quick!

Spot Surveys

Vehicle inspection and damage assessment done at your location through an image-based survey. No visits to the garage are needed.

Cashless Garages

Smooth repairs at a large number of partner garages pan-India. Pay nothing from your pocket.

Dedicated Support

Experts to help with policy purchases and claims via call, chat or email – round the clock.

How to buy/renew Chevrolet Tavera insurance from ACKO

Using ACKO's online platform, buying or renewing insurance for your Tavera is completely hassle-free:

Step 1: Go to the ACKO website or download the ACKO app on your phone

Step 2: Enter your Tavera's registration number and choose the type of policy you need

Step 3: Customise coverage, select add-ons and pay the premium online to instantaneously receive policy documents

Step 4: For renewal, visit the ACKO website/app and renew with a few clicks in minutes!

4 easy steps to raise a claim

ACKO ensures claiming insurance for your Tavera is smooth:

Step 1: Intimate claim via call, app notification or online portal.

Step 2: Upload photos, documents and details from your home. No visits are needed!

Step 3: ACKO representative surveys damage and approves claim amount.

Step 4: Accept the settlement offer and get payment directly into the bank account for minor damages; for major damages, an assessor will make an evaluation and recommend the next steps.

Conclusion

Insuring your prized Chevrolet Tavera is vital for complete peace of mind and to comply with motor insurance regulations. Buying or renewing comprehensive Tavera insurance online from ACKO ensures you get optimal coverage along with the convenience of speedy digital servicing. So drive without worrying about sudden expenses or tedious paperwork!

Frequently Asked Question on Chevrolet Tavera car insurance

FAQs

Can I insure my modified Tavera?

Yes, you can insure a modified Tavera by declaring modifications like installing a CNG kit, changing seats, adding fancy lights, etc., in the proposal form. This may impact the premium.

Will my NCB carry over if I sell my Tavera and buy a new car?

Yes, you can transfer the NCB earned on your existing Tavera insurance when you buy a new car within 90 days of the sale of the insured vehicle. The applicable NCB will be transferred to the new car's policy.

How soon should I renew the insurance if it has expired?

It is advisable to renew your Tavera's insurance policy well in advance before the expiry date. If there is a lapse in coverage, insurers may charge higher premiums for fresh policy.

Can I cancel my comprehensive policy and switch to third-party insurance midway?

Yes, comprehensive car insurance policies can be cancelled and changed to a basic third-party policy anytime. The refund amount will be processed as per company norms.

Will filing a claim impact my Tavera's insurance renewal?

Making a claim does not directly impact your Tavera's insurance renewal with the same insurer. However, it will lead to a loss of NCB accumulated, which can increase premiums at renewal.