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Honda Civic is one of those cars that feel like a prized possession. It has that bold and aggressive look many buyers look for in a sedan. However, a car like Honda Civic needs complete protection with best-suited insurance coverage. Therefore, this article will help you understand Honda Civic insurance cost, types, the process of buying, renewing, and claiming.
If you are wondering why you should buy car insurance online for your Honda Civic, here are some of the most compelling reasons.
The online availability of insurance policies allows you to access the required information at your convenience. There is no need to request an appointment and then wait for someone from the insurance company to call you back. You can simply use your internet-based smartphone and find about Honda Civic insurance price, add-ons, renewal, claim process and more.
The convenience of buying a policy is also a reason why many people opt for the online process. The digitised method saves from lengthy paperwork and long waiting periods. All you have to do is give a few basic details related to your Honda Civic and previous policy. This has made instant insurance purchases and renewals possible for car owners.
Add-ons are additions to an insurance policy that help you extend the coverage. Going online for your car insurance lets you browse and read about all the add-ons offered by an insurer. Hence, you can compare the features, benefits and services associated with every add-on and make the most relevant selections.
For your Honda Civic, you can choose between the two types of car insurance plans. Let’s discuss them in detail.
The Motor Vehicles Act, 1988 makes it mandatory for you to purchase a Third-party Honda Civic Insurance plan. This car insurance protects you financially in case of any third-party property damage, injury or death. However, you should know that a Third-party Liability plan does not provide coverage against any damage or loss to your Honda Civic.
For a more balanced Honda Civic car insurance, you can select the comprehensive policy. The Comprehensive Insurance plan combines a Third-party Liability Plan with OD or Own Damage cover. Thus, your Honda Civic stays financially protected against a loss or damage associated with fire, explosion, natural or man-made calamities and theft of the insured vehicle. Moreover, you get to enhance the coverage of a Comprehensive Insurance plan with useful add-ons.
The following circumstances are covered in the Comprehensive Honda Civic Insurance plan.
Third-party property damages, injury and/or death
Accidental damage to your Honda Civic
Total loss or vehicle damaged beyond repair
Fire or explosion
Natural calamities (earthquakes, floods, etc.)
Man-made calamities (strikes, riots, etc.)
By law, you are also required to buy the Personal Accident cover, also known as PA cover, with your car insurance policy. As the basic policy does not provide PA cover, it has to be bought separately as an add-on while buying or renewing the plan.
A Honda Civic car insurance does not offer coverage against the following circumstances.
Driving in an intoxicated condition
Not having necessary documentation while driving
Damage/loss associated with mechanical failure or electrical failure
Damage/loss associated with general wear and tear
Damage/loss incurred due to rash driving
Damage/loss incurred when driving outside the geographical limitations pre-defined in the policy
Add-ons are specific covers you include in your basic insurance plan to extend its scope of coverage. A Comprehensive Insurance plan allows you to select car insurance add-ons that are relevant to your needs. Let’s look at the add-ons you can choose for your Honda Civic car insurance.
Key Replacement Cover
No Claim Bonus (NCB) Protection Cover
Return to Invoice Cover
Outstation Emergency Cover
Personal Accident Cover for Passengers
If you are looking for vehicle insurance for your Honda Civic car, here are ACKO’s insurance plans’ unique features that you would be interested in.
ACKO operates on a no-agent-no-commission model. All the services and policies reach you directly via the website and mobile app, which removes the necessity of getting a middleman involved. Thus, you pay a lower premium amount for the policy.
Using ACKO’s digital infrastructure, you can purchase/renew your Honda car insurance without any paperwork. Simply create an account with ACKO online, add vehicle information and previous policy details (if available) to purchase a policy.
ACKO’s website and mobile app let you raise a claim in just a few clicks. Through your ACKO account, you can submit a claim request along with details of the damage. If the claim amount is minor, the settlement amount can reach you within a couple of hours
To raise a claim with ACKO, you need minimal documentation in the form of soft copies only. The process involves three simple steps.
Step 1: Access your account via the ACKO website or app.
Step 2: Browse and select your Honda Civic insurance plan and click on ‘Claim’.
Step 3: Add the required documents in soft copies and submit your claim assessment request.
After assessing your claim, ACKO will process the claim. We try to keep the settlement process as quick as possible. In fact, you can get your settlement amount in a couple of hours after raising a request for minor claims.
The exact Honda Civic car insurance quote will depend on the vehicle’s year of manufacture, model, location, fuel type, etc., along with the cost of add-on covers you choose. At ACKO, we embrace a direct-to-customer model, saving you from the cost of agent commission. These savings result in low-cost car insurance plans. Please feel free to visit our website or download the mobile app to get a quote for your Honda Civic.
ACKO has all the information regarding Honda Civic car insurance available right at your fingertips. You can go to ACKO’s website or mobile app, give your vehicle details and compare all relevant insurance policy options.
The law states that every vehicle on the roads of India must have mandatory Third-party Insurance. Thus, even if you purchase a used Honda Civic, you must buy Third-party car insurance online for it. More than that, the Comprehensive Insurance cover can ensure the financial safety of your own car in situations like a total loss, theft, accidental damage, etc.
To renew car insurance online with ACKO, you have to follow a few simple steps. The process requires some of your basic details such as name and address along with the vehicle’s registration number, make/model, and details of the previous policy (if available). All this takes not more than a couple of minutes via ACKO’s website or mobile app.
You are eligible to receive NCB or no-claim bonus if you did not raise any claim during your policy duration. You can get an NCB discount even for a second-hand Civic car, depending on the previously purchased policy’s NCB balance.
The Honda New Civic Petrol is the cheapest model you can buy and insure. The New Civic variant has an ex-showroom price of Rs. 15 lakhs.