Car insurance in dehradun

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Car insurance in Dehradun

Home / Car Insurance / Dehradun

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.

Car insurance plans in Dehradun
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Third-party Insurance
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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.

Own Damage Cover
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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.

Comprehensive - Basic
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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.

Comprehensive - Super Saver
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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.

Zero Depreciation - Basic
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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.

Zero Depreciation - Smart Saver
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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.

Zero Depreciation - Super Saver
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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.

Personal Accident Cover
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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.

Benefits of buying car insurance in Dehradun from ACKO
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Affordable plans
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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.

Fast claims
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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.

Free transportation
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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.

How to file a claim with ACKO
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Here’s how to raise a claim if your car faces accident-related damages.

After we receive your request, we will process it as per your policy’s terms and credit the applicable settlement.

How ACKO car insurance can financially protect you in Dehradun
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Buying our wide-ranging car insurance can financially protect you in Dehradun in the following ways.

Frequently asked questions
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Here are the answers to some of the most common questions on car insurance in Dehradun.

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Does ACKO provide car insurance in Dehradun?

Yes, ACKO provides car insurance in Dehradun.

What is the price of ACKO 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).

What will happen if I drive without car insurance in Dehradun?

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.