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Contactless car insurance: Buying/renewing steps

Team AckoJan 17, 2024

The COVID-19 pandemic has pushed service providers to come up with innovative solutions as the highly contagious infection spreads through the country. And thus came the term, ‘contactless services’. These services are offered in such a way that people do not have to meet with each other. The contactless concept is applied to buying or renewing car insurance and claims as well. Let’s see how it works.

Contents

What is contactless motor insurance?
Steps to purchase contactless car insurance
Benefits of contactless motor insurance
Need for contactless car insurance
- Choosing the right policy for your car
Takeaway
Frequently asked questions

What is contactless motor insurance?

Contactless motor insurance is a process where customers insure their car without physically meeting the insurance personnel. It is possible through various digital means like the insurer’s website, mobile application, or third-party messenger/video apps.

The customer can compare car insurance, study the coverage, select a plan, buy additional coverages, make payment, and finally receive the policy without any physical contact. All this, thanks to multiple innovations in technology and the advent of digital insurance.

Steps to purchase contactless car insurance

There are two ways of buying car insurance, either online or offline. The online mode is considered contactless as the customer and insurer are connected only via virtual platforms. Here, digital insurers have a key role to play. At ACKO, we are already equipped with the infrastructure required to offer digital services.

Take a look at the steps involved in buying/car insurance renewal to understand how contactless car insurance works.

Step 1: Visit www.acko.com through a computer or download the ACKO app on your mobile device.
Step 2: Log in to your ACKO profile with the help of your registered mobile number and look for a suitable car insurance plan.
Step 3: Go through the coverage and other details to finalise and make payment via our secure virtual payment gateway.

You can pay via net banking, cards, UPI, etc., to complete the transaction in a safe manner.

Benefits of contactless motor insurance

Here is a list of benefits of opting for contactless motor insurance.

Zero risks of COVID-19 infection

Since there is no physical contact between you and the insurance company, you are exposed to zero risks of getting an infection while buying car insurance. You complete the transaction from the comfort of your home, i.e. a safe, isolated environment.

24x7 availability

Unlike offline insurance, you can access the insurer’s website at any time of the day, at any day of the week. Buying/renewing and claiming against your car insurance policy, these services are available 24x7.

Zero commission

There are no middlemen required for selling our insurance products. Thus, no agent commission. Another advantage is since ACKO is a digital insurance company, our operational costs are low. We pass this benefit on to our customers in the form of low-priced policies.

Need for contactless car insurance

The COVID-19 pandemic is the prime reason for contactless insurance. Millions of people have lost their lives fighting this deadly disease. While the global crisis continues, the need for motor insurance cannot be ignored considering the financial risk of car damage. Car insurance is also necessary because it is mandatory by law. The car owner must pay a fine in the absence of an active car insurance policy.

Additionally, car damage is unpredictable. There could be an accident, a natural calamity like a flood, or a third-party liability that you may face. These things may have a high financial implication, and you may burn a hole in your pocket paying for them without a car insurance policy.

Choosing the right policy for your car

Choosing the right car insurance policy is easy when you are clear about your requirements. Yes, your car insurance policy must cater to your needs and not the other way around. Many people are unaware that you can customise the policy depending on your needs, especially those who have bought car insurance from a dealer. Dealers may not consider your needs or offer you a custom policy.

As a car owner, you must buy the desired coverage that is best suited to you and your car. You can select the type of policy, set the Insured Declared Value, and select add-ons to customise your car insurance policy. Consider buying add-ons like,

Zero Depreciation - It can increase the claim amount
Roadside Assistance - It provides multiple services when your car suffers a breakdown
Engine Protect - to insure the engine while you get a Comprehensive Car Insurance Plan

Also, Read: How to Renew Car Insurance During Coronavirus Lockdown?

Takeaway

Contactless car insurance helps you get financial security for your car while keeping you safe from the COVID-19 pandemic. This is the best example of how far the world has come in terms of technological innovations. Before the pandemic, digital insurance was a way to get a suitable car insurance policy in a convenient manner. However, now it has become a necessity due to the fear of infection and social distancing.

On the other hand, buying contactless car insurance is easy and can be done without deep knowledge of car insurance. This is because ACKO simplifies the car insurance experience for you and provides continuous support at all stages. With ACKO, you buy a car insurance policy in an easy and frictionless way.

Also, read: 9 things you probably may not know about car insurance

Frequently asked questions

Here we have a list of common questions that you may have about contactless car insurance. Kindly get in touch with us via email at [email protected] in case you have more queries.

FAQs

How is a contactless car insurance claim possible?

Contactless car insurance claims are possible through the internet. Here are the steps to raise a claim at ACKO in case of car damage.

Step 1: Visit www.acko.com or download the ACKO app on your smartphone and log in through your registered mobile number.

Step 2: Find your car insurance policy and click "claim".

Step 3: Answer a few questions and upload the necessary documents. Finally, click submit.

ACKO will get in touch with you via calls to understand more about your claim. The claim settlement will be done instantly for minor claims, and you can expect the claim amount within a few hours.

Why should I opt for contactless car insurance?

Contactless car insurance helps you remain in the comfort of your home, safe from the risk of COVID-19 infection. Thus, it is a necessity more than a privilege during such grave times.

Is the pandemic responsible for contactless car insurance?

No, contactless car insurance existed before the pandemic began.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.