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Dehradun, the capital of Uttarakhand, is the most populated city in the state. Generally, high population translates to high road traffic, and high road traffic typically increases the probability of road accidents. That is why it is recommended to buy wide-ranging car insurance in Dehradun. That way, you will be able to manage accident-related costs pertaining to your four-wheeler. In this article, we have shared some vital information about car insurance in Dehradun. So, if you are a resident of this city and own a car, read ahead to know your insurance options.
A Third-party Policy insures you against third-party liabilities. So, if you cause injuries, death or property damage to a third party (via your car), they will be compensated. Please note that as per The Motor Vehicles Act of 1988, this policy is mandatory for all car owners.
An Own Damage (OD) cover financially protects you against vehicle theft and damages to your car. The types of damages covered include accidental collisions and damages caused by manmade and natural disasters.
A Comprehensive - Basic policy offers the combined financial protection of a Third-party and OD Cover. It also allows you to upgrade coverage by choosing add-ons.
This is a plan that is exclusive to us. It offers the coverage of a Comprehensive Policy plus free vehicle transportation for claim-related repairs. However, if you choose to get your car repaired without involving us, you need to communicate the same. If not, you will be charged a deductible worth Rs. 5,000.
A Zero Depreciation - Basic Plan offers the coverage of a Comprehensive Policy and also protects you against the depreciation costs of vehicle parts. In the absence of this plan, certain car parts will only be partially covered during claim settlement.
A Zero Depreciation - Smart Saver Plan is the discounted version of the Zero Depreciation - Basic Plan. The only catch is during a claim there’s a deductible of Rs. 5,000. After you pay that amount, we will start covering you.
Under this plan, you get the coverage of a Comprehensive Policy and Zero Depreciation Cover. You also get an added benefit: if your car incurs any accident-related damages and you inform us, we will arrange for free transportation to a network garage. However, if you do not inform us before taking your car for claim-related repairs, there’s a deductible of Rs. 5,000.
A Personal Accident (PA) Cover is not considered a car insurance policy. Nevertheless, as per the law, all Indian motor vehicle owners need to have one. A PA cover provides monetary compensation to the insured if they incur accident-related disabilities or death.
Since Dehradun is a densely populated city, there is a high risk of road accidents. Unfortunately, even cars with the best safety features are vulnerable to incurring damages due to road accidents. That is why we recommend that you buy a wide-ranging car insurance policy for your four-wheeler in Dehradun. That way, you will be safeguarded from the financial consequences of a potential road accident. Not only that, you will be covered against vehicle theft, third-party liabilities, and damages caused by manmade or natural calamities as well.
Since we are a digital-first insurer, our operating expenses are on the lower side as compared to our offline competitors. This gives us the leverage to offer low-costing car insurance policies to our customers.
Insurance-related claim settlements are notorious for getting delayed. However, our fast claim process defies this. For instance, approved claims for minor damages are settled within just a few hours of the request.
If your car breaks down or receives accident-related damages, call us and we will transport it to a network garage for repairs. However, note that this benefit can be claimed only under certain car plans.
Here’s how to raise a claim if your car faces accident-related damages.
Step 1: Visit the ACKO website/smartphone app and sign in to your account.
Step 2: Scroll to your car’s policy card and click “Claim now”.
Step 3: Respond to questions related to your car's damage and upload relevant images. After that, click “Claim now”.
After we receive your request, we will process it as per your policy’s terms and credit the applicable settlement.
Buying our wide-ranging car insurance can financially protect you in Dehradun in the following ways.
You can buy the legally required Third-party Insurance and be protected against third-party liabilities.
If your car faces accident-related damages, we will either financially compensate you or provide cashless repairs at one of our network garages.
If your car gets stolen or is irreparably damaged, we will compensate you with its Insured Declared Value (IDV).
You no longer need to wait long to receive accident-related claims. We will process claims for minor car damages in just a few hours.
You can contact us anytime for insurance-related questions.
Yes, ACKO provides car insurance in Dehradun.
The price of our car insurance in Dehradun depends on your car details, among other factors. So, to know the premium payable for your car policy, visit our car insurance premium calculator and enter your car and previous policy details (if applicable).
If you drive without car insurance in Dehradun, you will face legal penalties. For the first offence, you will be charged a fine amount of Rs. 2,000 and/or be imprisoned for up to three months.