Ford Fiesta Insurance: Buy/Renew Ford Fiesta Car Insurance

Ford Fiesta Car Insurance

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Getting car insurance for a Ford Fiesta provides financial protection if your car is stolen, damaged, or if third-party damage occurs. A comprehensive insurance plan covers the costs of repairing, third-party liabilities, and own damages as well. Choosing the right strategy is thus a smart move to ensure safety and peace of mind when taking your car on the road.

Read on to know more about Ford Fiesta car insurance and the benefits of applying for this insurance online.

Benefits of Ford Fiesta Car Insurance

Third-party Liabilities: Compensate for losses of damaged vehicles or persons that occurred due to the accident involving your car.
Personal Accident Cover: Family members of the policyholder can claim compensation from the insurer.
Own Car Damage: A comprehensive insurance policy covers all expenses to repair damage caused by fire, vandalism, earthquakes, and other events.
No Claim Bonus: Upon completion of a claim-free year, you can earn a bonus against your policy that gives a discount during renewals.

Types of Car Insurance for Ford Fiesta

The two types of Ford Fiesta car insurance plans include comprehensive car insurance and third-party car insurance. Let us explore them in detail:

Comprehensive Car Insurance Policy

A comprehensive car insurance policy combines third-party liability coverage with protection for your own vehicle. While third-party insurance covers legal liabilities arising from damages to others, the own damage component safeguards your car against theft, accidents, or total loss. Additionally, this policy offers optional add-ons that enhance coverage based on your needs. Consequently, the cost of insuring a Ford Fiesta or any other car can vary depending on the chosen features and coverage.

Third-Party Car Insurance Policy

When purchasing or renewing your Ford Fiesta car insurance, opting for a third-party insurance policy is mandatory under the Motor Vehicles Act, 1988. This policy covers damages and liabilities caused to third parties in an accident, but does not cover any damage to your own vehicle. If you want total protection for yourself, consider a comprehensive insurance plan.

Comprehensive Car Insurance Plan Vs Third-Party Car Insurance Plan

Parameter	Comprehensive Insurance	Third Party Insurance

Compulsion	Not compulsory	Compulsory
Add-on Availability	Yes	No
Coverage	Covers theft, fire, and damage from natural calamities	Covers damages caused to another individual or property by the insured car
Premium	Higher premiums due to the wide coverage facility	Low-priced due to limited coverage
Discounts	Comes in the form of voluntary deductibles, no-claim bonus, and anti-theft devices	No discounts
Is it Enough?	Yes, as it is a comprehensive policy with add-ons	Not enough exposure to 'own damage' risks

Inclusions/Exclusions in Ford Fiesta Car Insurance

Inclusions

The coverage entailed in Ford Fiesta car insurance includes:

Third-party Liability: This provides coverage for injury and death of third parties and damage caused to vehicles.
Accidental Damage: There can be accidental damage to your car that includes fire, vandalism, self-ignition, collisions, and others.
Theft and Total Loss: Provides financial protection in cases of your vehicle being stolen or suffering a complete loss.
Natural Calamities: Coverage for damages relating to storms, floods, earthquakes, riots, etc.
Personal Accident Coverage: This coverage is mandatory for protecting drivers against permanent death or disability issues.

Exclusions

There are a few exclusions from a car insurance policy that have been discussed below:

Wear and Tear: Ageing of different parts of the car, such as clutches and tyres, is excluded.
Electrical and Mechanical Breakdown: Excludes the failures relating to manufacturing defects or any other internal wear and tear.
Driving Without Documents: Damage caused by driving without a valid license or registration certificate for the car is excluded.
Illegal Driving: Off-road racing, intoxicated driving, and overspeed are excluded.
Expired Policy: Ford Fiesta car insurance claim made when the policy is found to have lapsed or expired.

Add-ons for Ford Fiesta Car Insurance

Purchasing an add-on while getting your Ford Fiesta comprehensive car insurance is beneficial. You can consider the following add-ons offered by ACKO for your car:

Engine Protection Cover: Covers your Ford Fiesta's engine against water entry or oil leakage damage.
No Claim Bonus Cover: Safeguards your accrued no-claim bonus even if you put in a claim within the policy period.
Zero Depreciation Cover: Covers claim settlement in full without depreciation deduction on replaced parts.
Consumables Cover: Pays for consumables such as nuts, bolts, and greases incurred during repairs.
Roadside Assistance Cover: Offers emergency assistance such as towing and repair if your vehicle breaks down while on the road.
Key Replacement Cover: Insures the replacement of lost or damaged vehicle keys at your expense.
Return to Invoice Cover: Insures the original invoice cost of your vehicle in the event of full loss or theft.
Personal Accident Cover Only for Passengers: Insures compensation for passenger injury caused by an accident.

Ford Fiesta Car Insurance Price

The insurance price for your Ford Fiesta depends on several factors, such as:

Policy Type: The cost of a comprehensive policy is more than that of a third-party policy.
Age of Car: As your car ages, you can enjoy lower premiums with a lower IDV (Insured Declared Value).
Geographical Location: Insurance costs will be higher in cities where accidents and theft are common.
Add-ons: Choosing add-ons raises your premium amount.
Voluntary Deductible: By paying a small portion of the claim yourself, you can lower your premium.

Benefits of Buying ACKO Car Insurance for Ford Fiesta

The benefits of purchasing a Ford Fiesta car insurance through ACKO include:

Easy Buying, Renewing, and Filing a Claim Online

Renewing your Ford Fiesta car insurance is easy online. ACKO allows insurers to purchase and file a claim online with zero paperwork involved. To do this, you can visit the official website of ACKO or download the app online.

Quick Claim Settlement

For minor damages, ACKO aims to settle the claim, mostly instantly, within 2 hours. These damages can include a break in the rearview mirror, a dent in the car's bonnet, and other types of damage.

Pickup and Drop Facility

ACKO provides pickup and drop-off facilities from your desired location. The allocated team repairs the car at the network garage and then returns the vehicle within three days. ACKO, however, provides this service in selected cities only.

Choose a Low-Cost Car Insurance Policy

An eligible insurer can transact directly with ACKO without involving any middlemen or agents. Since no commission is paid to intermediaries, you can opt for a convenient Ford Fiesta car insurance option at a low cost.

Theft or Total Loss Coverage

A comprehensive car insurance policy also includes theft or total loss coverage of the insured vehicle. If your car is stolen or meets with an accident, the insurer pays you the IDV (Insured Declared Value) of the car. So, irrespective of whether your vehicle is stolen or damaged, the insurance policy safeguards you.

Low Cost and High Value

You can provide insurance for your Ford Fiesta car at a comparatively low premium without compromising on the services ACKO provides.

How to Buy ACKO Car Insurance for a Ford Fiesta?

If you are looking to buy or renew your Ford Fiesta car insurance online from ACKO, follow the steps below:

Step 1: Share the Details of Your Vehicle

Click here to enter your car details, including make, model, registration number, purchase year, and policy details from your previous car insurance, to view the insurance quotes.

Step 2: Choose the Policy and Add-ons

Choose the policy tenure and its type. Also, include the add-ons as per your requirement. Make sure to review the wide variety of plans available, tailored to your car insurance needs.

Step 3: Online Payment

Once your car insurance policy is finalised, please complete the payment of the premium amount online. Also, obtain the documents of your policy instantly in your inbox.

Documents Required for Ford Fiesta Car Insurance

Here are the documents you need for easy purchase or renewal of your Ford Fiesta comprehensive car insurance policy:

Name of the previous insurer (applicable for renewal of policy)
Registration certificate of your vehicle, or RC
PAN card
NCB details
Aadhaar card
Driving license
Details of the model of your car

Claim Procedure for Ford Fiesta Car Insurance

Here is a step-by-step guide to follow for raising a claim against an insurance policy for cars:

Step 1: Go to the official website of ACKO or download the ACKO app.
Step 2: Enter all valid credentials and log in to the account with your registered contact number.
Step 3: Under the insurance policy for the Ford Fiesta, continue to click on 'Claim Now'.
Step 4: Upload the damage pictures caused to your vehicle and then click on ‘Submit’.
Step 5: If there are minor damages, ACKO will be responsible for settling the claim immediately by transferring money directly to your bank account. For significant damages, the insurance team further guides you to follow the next steps.

Ford Fiesta Overview

The Ford Fiesta, once available in both hatchback and sedan versions, was known in India for its refined handling, fuel efficiency, and stylish design. It gained popularity among driving enthusiasts for its strong performance and comfort features. However, after Ford announced its exit from domestic car manufacturing in India in 2021, the Fiesta was discontinued. While new models are no longer sold, many pre-owned options are still available in the Indian used car market.

Ford Fiesta rivals

When considering its competition, some of the rival models of the Ford Fiesta include:

Honda Jazz
Maruti Suzuki Baleno
Hyundai i20
Volkswagen Polo
Tata Altroz
Toyota Glanza

Frequently Asked Questions

Is it necessary to upload all the required documents to insure my Ford Fiesta from ACKO?

ACKO follows a no-paperwork process. Thus, it is not mandatory to upload all documents to insuring your vehicle.

Can I renew my Ford Fiesta car insurance with another insurer?

Yes, you can renew your Ford Fiesta car insurance with another insurer through online mode.

Should I include add-ons with my Ford Fiesta’s insurance plan?

Buying add-ons for your car can be expensive. Thus, purchase add-ons only if they are worth it for your car insurance policy.

Can I avail of a free insurance quote for my Ford Fiesta?

Yes, you can get a free insurance quote for your Ford Fiesta car by visiting ACKO's official website. Make sure to enter the basic details of your vehicle, choose a coverage, and then review the quote.

Which insurance plan will be ideal for my Ford Fiesta car?

A comprehensive car insurance plan will be ideal for my Ford Fiesta. Choosing a comprehensive policy ensures adequate coverage against third-party losses as well as damage to your vehicle.

Is it mandatory to buy a Personal Accident Cover for Comprehensive insurance?

Yes, as per law, buying personal accident coverage is mandatory while choosing a comprehensive insurance plan.

Written by Saumya Srivastava

10k Linkedin Followers

Reviewed by Lokesh Shetty

A professional writer who loves delivering content that resonates, educates, and keeps readers engaged, making the often complex world of insurance more approachable and enjoyable. Beyond the pen, she is a passionate foodie at heart who believes in savoring life’s flavors in all aspects, whether it's a new dish or a well-crafted sentence.

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