Honda City Car Insurance
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Honda City is one of the most popular sedans in India. It has gained popularity with great aesthetic appeal and high performance. It has also helped the brand achieve high sales figures. Buying car insurance for Honda City is a matter of a few minutes and can be done online from ACKO. The following article will give you a deep understanding of how Honda City car insurance works.
Benefits of Buying Car Insurance Online from ACKO
The traditional method of buying car insurance is tedious and full of confusing paperwork. This is why many car owners prefer to buy or renew their policy online. The following reasons will help you understand why buying Honda City insurance online is more beneficial.
1. Lower Premium
When you buy a car insurance policy online from ACKO, you get a discounted rate. This is because the operational costs involved in the offline process are completely eliminated in this process. You don't have to pay a visit to the branch office nor fill the paperwork. Thus, online policies from ACKO are cheaper as compared to their offline counterparts.
2. Safe Transactions
Making payment for buying car insurance from ACKO is safe because we have ensured that every transaction is secured. No personal details are exposed to anyone, not even to us. Thus, buying car insurance from ACKO is secured as well as transparent as all the required information is readily available.
3. Online Insurance
You will receive an online policy when you buy a car insurance policy from ACKO. You can easily download the document as many times as you require. This is way more convenient than receiving one hard copy from the insurance company and worrying about losing the original policy. You can also save your policy in DigiLocker, which is an easy way to access your policy when requested by authorities.
Types of Car Insurance Plans for Honda City
The concept of car insurance is simple to understand. There are two major types of insurance plans that offer specific coverages. Also, Honda City insurance cost will depend on the type of plan selected. Here is more information on the types of Honda City insurance plans.
Third-party Liability Plan
Buying at least a basic Third-party Car Insurance Plan is compulsory. It covers you against many situations related to a third party. For example, third-party accidental injuries, death, or any damage to their property due to your car. However, It does not provide coverage if your car gets damaged.
Comprehensive Insurance
The limitations of a Third-party policy are eliminated under a Comprehensive plan because it covers the insured car as well. Thus, you can make a claim against multiple situations like accidents, damage from natural or man-made calamities, fire, theft, etc. Add-ons can further increase the coverage of a Comprehensive plan.
What’s Covered in Honda City Car Insurance Policy? (Inclusions)
Every car insurance company defines a set of conditions under which the policyholder can raise a claim. These are called inclusions. One must go through this list on their car insurance policy to avoid claim rejection. More coverage will increase the Honda City insurance price. Following is the list of a few common inclusions of Comprehensive insurance.
Third-party damages
Damage due to a natural or man-made calamity
Coverage for Theft
Total loss i.e. when the car cannot be repaired
Damage from fire or explosions
Coverage under other applicable add-ons
Personal Accident Add-on (bought separately)
What’s Not Covered in Honda City Car Insurance Policy? (Exclusions)
The exclusions of a car insurance policy define situations under which you cannot raise a claim. Take a look at the following list to know about common exclusions of a Comprehensive Honda City insurance Policy.
Driving without valid documents
Mechanical damage
Driving under the influence of alcohol
Electrical damage
Making a claim against an inactive policy
Consequential loss (trying to run the car after damage)
Intentional damage
Regular wear and tear
Add-ons for Honda City Car Insurance
Additional coverages are important to get more out of your car insurance. These provide value-added services or help with claims depending on the terms of the car insurance add-on. Take a look at the following list to know which ones are available with a Comprehensive policy.
Return to Invoice Cover
Key Replacement Cover
Consumables Cover
Personal Accident Cover for Passengers
No Claim Bonus Protection
Zero Depreciation Cover
Why ACKO?
ACKO insurance is trusted by more than 4.5 crore Indians for their insurance needs. Buying Honda City insurance from ACKO is easy due to the hassle-free and quick processes. Take a look at the following reasons to buy car insurance from ACKO.
1. Free pick-up and drop
It can be a hassle to call towing services and arrange for a pick-up of the damaged car. Leave that to us! We will pick up the damaged vehicle from the accident spot and get it repaired for you. After repairs, we will also deliver it to your doorstep. This facility is available in select cities.
2. No Documentation
Car insurance renewal and purchase is a paperless process at ACKO. This is true for claims as well. You don't need to send any physical copies to our office. Simply log in to your ACKO profile and buy or renew the policy or make a claim without hard copies.
3. Instant Policy
Car insurance can be bought or renewed from ACKO within minutes if there is no major gap, the sooner you buy insurance the better. You can ensure this by renewing the policy a few days before expiry. The new car insurance policy will be sent to your registered email ID instantly after payment.
Claim Process
It is easy to make a car insurance claim against your ACKO’s Honda City insurance policy as we follow the “zero paperwork” claim process. The following steps will help you to raise a car insurance claim.
Step 1 - Open your ACKO profile from the website or the mobile application
Step 2 - Use the registered mobile number to log in and find your car
Step 3 - Upload proofs of the accident and other required details. Now click “Claim Now”
ACKO will get in touch to understand more about the claim and request details related to the incident.
Frequently Asked Questions
We have tried to answer some of the most commonly asked questions. Take a look at the following list. You can get in touch with us at [email protected] to ask for queries.
FAQs
Does ACKO have insurance agents?
No, insurance agents or middlemen are not involved when you transact with ACKO. This also reduces the cost of your car insurance policy.
Are online car insurance policies for Honda City valid?
Yes, online policies are valid if you buy them from an authentic source like ACKO. Always ensure that the insurance company is registered with the IRDAI.
Can I get a discount for not raising any claims against my Honda car insurance policy?
Yes, you can get a discount against your Comprehensive Honda City insurance Policy if you have not raised a claim in the previous policy year. This discount is called the No Claim Bonus (NCB). NCB discount can go up to 50% if you don’t raise a claim for five consecutive years.
What is Insured Declared Value?
Insured Declared Value or IDV is the approximate current market value of the vehicle. You need to declare it while buying a Comprehensive policy.
Is Roadside Assistance Add-on available for my Honda City?
It is possible that you can get a Roadside Assistance Add-on for your Honda City car insurance policy. Please check the availability while buying or renewing the policy.
