So you own a Jeep Car? Hats off just to that!
Planning to renew the insurance of your good old Jeep Wrangler or looking for the best car insurance for your brand new Jeep Grand – you’ve landed in just the right place.
Let’s dive into the car insurance basics for your Jeep car.
- Understanding Jeep Car Insurance
- Why You Should Insure Your Jeep Car?
- Good-to-Have Insurance Add-ons for Jeep Cars
- Things a Car Insurance Covers For Any Jeep Car
- Things a Car Insurance Does Not Cover For Any Jeep Car
- Questions you might ask about Jeep Insurance:
- Models Manufactured by Jeep : Which One Do You Drive?
- News Related to Jeep Car’s:
Understanding Jeep Car Insurance
Must-know Coverage for Your Jeep Car
You can get following kinds of insurance policies for your Jeep Car:
|Third-Party Car Insurance||Comprehensive Car Insurance|
|Only covers third-party injuries and damages, and not those to your own vehicle.||Gives third-party policy + coverage for losses and damages to your own car|
|Mandatory by Indian Motors Act.||It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Jeep car?|
|Additional coverage like bumper-to-bumper cover, engine protector is NOT available.||Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.|
Why You Should Insure Your Jeep Car?
Most Jeep cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:
- Be sure that you’re rightfully compensated if your Jeep car was stolen or damaged beyond repairs.
- Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
- Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
- Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!
Good-to-Have Insurance Add-ons for Jeep Cars
Zero Depreciation Cover:
Irrespective of the model of Jeep you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.
Return to Invoice Cover:
So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.
Engine Protector Cover:
A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover you could claim for those damages too. Whether you own a high-end car like Jeep Grand or regular car like Jeep Wrangler, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.
No-claim Bonus Protector Cover:
If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for filing a car insurance claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Jeep cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.
This personal accident cover for passenger is a must-buy for any Jeep car owner. A lower end model of Jeep may not come with safety features like airbags or child safety locks. If you use your Jeep car to drive your family on a daily basis, it makes sense to buy this add-on.
A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Jeep you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.
Things a Car Insurance Covers For Any Jeep Car
- Personal accident coverage for owner-driver
- Accident-related damages to your car
- Damages caused during a natural calamity like flood or storm
- Loss because of fire, explosions
- Compensation for Stolen car
Things a Car Insurance Does Not Cover For Any Jeep Car
- Wear and tear caused over the years [including flat tyres]
- Losses caused when the car was driven without a driving license
- Damages caused when the car was being driven under the influence of alcohol
- Driving outside the geographical limits
- If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]
Questions you might ask about Jeep Insurance:
How can I renew my Jeep Insurance online?
Your Jeep Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.
- If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
- All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
- Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered
The car insurance of my Jeep Grand has already expired. Is vehicle inspection mandatory?
Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.
Is an online insurance policy valid for car?
Of course it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.
How do I get no-claim bonus at the time of renewal?
If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.
At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.
|All vehicle Type NCB Grid||% of discount on own damage premium|
|No Claim in the last 1 year||20%|
|No Claim in the last 2 consecutive years||25%|
|No Claim in the last 3 consecutive years||35%|
|No Claim in the last 4 consecutive years||45%|
|No Claim in the last 5 consecutive years||50%|
How much more do I need to pay for comprehensive car insurance?
The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Jeep car as Add-ons are additional coverage options which can be bought only with a comprehensive car insurance policy. One can customize a car insurance policy with Add-ons which will increase the car insurance cost.
Models Manufactured by Jeep : Which One Do You Drive?
|Brand Name||Variants||Engine CC||Mileage(kmpl)||BHP||Wt. (kgs)||Price Range(in Rs)|
|Jeep Wrangler||Unlimited 4x4||2768||12.1||197.2||2119||7,159,000 to 7,800,000|
|Jeep Wrangler||3.6 4X4||3604||9.5||245||2119||5,600,000 to 6,100,000|
|Jeep Grand||Cherokee SRT||2988||5.5||468.5||2432||11,200,000 to 12,000,000|
|Jeep Grand||Limited||2988||12.8||239.6||2432||9,365,000 to 10,500,000|
|Jeep Grand||Summit||2988||12.8||239.6||2432||10,300,000 to 11,500,000|
Jeep Reveals Plug-in-hybrid Wrangler 4xe
– September 10, 2020
Jeep has revealed the plug-in hybrid Jeep Wrangler 4xe. The company states that the SUV is the most eco-friendly and technically advanced of the 4×4 version of the Wrangler. The PHEV version of the Wrangler is claimed to offer better usability compared to the standard vehicle. With this, the Jeep Wrangler 4xe joins the league of hybrids of the Compass and the Renegade SUVs. The Jeep Wrangler 4xe PHEV draws power from a 2.0-litre turbocharged petrol unit which is aided by a couple of electric motors. While one of the electric motors is placed in front of the engine, the second is located ahead of the gearbox. Totally, the power generated through the internal combustion engine and the twin electric motors is 375hp and a peak torque of 637Nm. While the petrol unit is a 2.0-litre unit, the twin electric motors derive power from a 400V, 17kWh battery pack. The company claims the Jeep Wrangler 4xe PHEV has a range of 40km. There are three modes that the driver can select from Hybrid, Electric and eSave. The model will be offered in three variants, namely the entry-level 4xe, mid-variant Sahara and the top-of-the-line Rubicon.
Jeep Reveals its First Electrified SUV – Renegade 4xe
– July 22, 2020
American SUV manufacturer, Jeep, has taken the wraps off its first electrified SUV, the Jeep Renegade 4xe. This will be the first of many models that the company will be launching in the future. This will also include a plug-in hybrid Jeep Compass and Jeep Wrangler. Both these models will wear the 4xe badge. The Jeep Renegade 4xe is available in four variants: Longitude, Limited and Trailhawk. While the Longitude and Limited are more suitable for urban driving, the Trailhawk is more off-road oriented. Compared to the regular models, the Jeep Renegade 4xe is similar in terms of looks, except that the 4xe gets an electric motor along with the 1.3-litre turbo-petrol engine. The engine offers two power outputs: 190hp in the Longitude and Limited variants and 240hp in the Trailhawk version. Both the turbo-petrol units churn out 270Nm and the added electric motor produces a peak torque of 250Nm. The battery pack is good enough to propel the vehicle for 50 kms with a top speed of 130kmph. Jeep claims that all three variants can accelerate to 100kmph from standstill in about 7.5 seconds and top off at 200kmph. The engine comes mated to a 6-speed automatic transmission and comes with an upgraded terrain response system known as the Select-Terrain, which offers eAWD modes such as 4WD Lock, 4WD Low and Hill Descent Control to engage with different driving conditions like Snow, Mud, Sand, Auto, Rock, and Sport for the 4xe model.
Jeep Launches BS6 Compass in India
– February 27, 2020
American carmaker Jeep today launched the BS6 Compass SUV in India at a starting price of Rs.16.49 lakh ex-showroom. While the petrol variant of the BS6 Jeep Compass starts at Rs.16.49 lakh, the diesel variant starts at Rs.17.99 lakh. The Jeep Compass is available with a 1.4-litre petrol unit which churns out 161PS and 250Nm of torque. This engine comes mated to either a 6-speed manual or 7-speed dual-clutch automatic gearbox. The diesel unit which is a 2.0-litre engine produces 171PS and 350Nm of torque and comes mated to either a 6-speed manual or a 9-speed automatic transmission. The All-Wheel Drive (AWD) is available only with the diesel model. The Jeep Compass gets 6 airbags, cornering fog lamps, all-season tyres, electronic parking brake, electronic stability control, reverse parking camera, among others as its safety and security features.
Jeep Launches BS-IV Compass in India
– February 5, 2020
Jeep India has launched the BS-IV variant of its best-selling vehicle in India, the Compass SUV in the country. Prices have been hiked by Rs.25,000 for the petrol variant while the diesel variants have gone up by up to Rs.1.1 lakh. While Jeep had launched the BS-IV variant of the 2.0-litre diesel model, the 1.4-litre petrol with manual gearbox, the 1.4-litre automatic and the 2.0-litre diesel with manual gearbox have now been updated to BS-IV regulations. All the models of the Jeep in India have been updated with more equipment which includes engine start/stop as standard and cruise control as standard in all automatic variants.