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Lucknow is the capital of Uttar Pradesh. It is the largest city in the state and one of the most populous in the country. Consequently, the roads are usually bustling with people and traffic. Hence, it makes sense to preemptively financially protect your car against accidental damages. Read ahead to find out the best car insurance options available in Lucknow.
The following are the car insurance plans usually offered by ACKO. You can choose a plan depending on your requirements.
As per the Motor Vehicles Act of 1988, this plan is mandatory for all car owners. It offers coverage against injury, death or property damage occurring to a third party as a result of a collision involving your four-wheeler.
Also referred to as a standalone OD policy, this plan offers coverage against accidental damages occurring to your car. Coverage under this plan includes theft, accidental damages and losses resulting from natural and manmade calamities.
This plan offers the combined coverages of both a Third-party Insurance Plan and OD Cover. So, in case of an accident involving your car, you will receive coverage for third-party liabilities and own damage expenses that you may incur.
This plan is a signature plan of ACKO. Under this plan, if you raise a claim for accidental damages, we will come to your location, pick up your car and deliver it back to you at no additional cost. However, if you get an accident-caused repair done without informing us, you will have to pay a deductible of Rs. 5,000 from your end.
Zero Depreciation Car Insurance is sometimes also referred to as “bumper to bumper plan”. In addition to all the coverages found under a Comprehensive - Super Saver plan, this plan also includes coverage for depreciation of vehicle components over time. In absence of the coverages of this plan, only fibre and plastic parts are usually covered.
Under this plan you will receive all the benefits of a Zero Depreciation - Basic Plan at a lesser premium. Nonetheless, when you raise an accidental claim, you will have to pay a deductible of Rs. 5,000. So, if you are confident that you are a safe driver, you can benefit from the lower-cost of this plan.
Unique to ACKO, this gives you all the benefits of a Comprehensive Insurance and Zero Depreciation plan. Additionally, for claim-related repairs, free pick up and drop will be provided for your four-wheeler. Nonetheless, if we are not informed prior to availing an accident-related repair, you will have to pay a deductible of Rs. 5,000.
As the name may suggest, a Personal Accident Cover is not an insurance plan, but an additional cover. However, as per the Motor Vehicles Act of 1988, every car owner must possess it to legally drive on Indian roads. It covers the driver of the insured vehicle from unfortunate accidental disability or death.
As per 2011 census, Lucknow is home to 28,17,105 individuals. Thus, there is a lot of movement in the city. Adding to this, Lucknow has mega malls, tourist sites, an airport, etc., all contributing to massive pedestrian and vehicular traffic in the city.
That is why it is crucial for your car to be protected from accidental damages under an insurance plan. As per the Motor Vehicles Act of 1988, every car owner ought to have at least Third Party Car Insurance. This is a non-negotiable to legally drive on Lucknow roads.
Nevertheless, we recommend that you purchase a Comprehensive Insurance Plan or its variations. The reason is, it is inclusive of both Third-party and Own Damage coverage. So, you will meet both the legal requirement and get adequate coverage against accident scenarios involving your car in Lucknow.
The following are the common difficulties faced by car drivers in Lucknow.
High population: Lucknow has people from all over India visiting or working in the city. This results in crowded roads that are difficult to drive safely on.
Poor condition of roads: Potholes in Lucknow roads due to poor construction are very common. So, during rainy seasons, these indents get filled with water and cause unsuspecting car drivers to drive into them and incur damages to their vehicles.
Expressway accidents: The Lucknow-Agra Expressway, is a 302km, six-lane highway that connects Lucknow and Agra. Although these roads are extremely smooth and are a pleasure to drive on, accidents are frequent.
Vehicle theft: Vehicles being stolen in Lucknow is also a recurring event. These thefts occur despite the fact that CCTV cameras are installed in multiple locations.
Here are reasons why purchasing ACKO car insurance is ideal in Lucknow.
The digital infrastructure we work on allows us to provide a direct-to-customer experience. Meaning, you do not encounter middlemen when you buy directly from us and so, save those costs. These costs saved, we use to offer affordable car insurance plans.
We prioritise speedy claim settlements. Thus, we make sure to settle minor accidental damages within a few hours of the request. Nonetheless, it may take a bit longer to settle more significant damages. Settlements will be made as per the policy wording.
As mentioned earlier, ACKO offers unique car insurance plans considering different car insurance requirements in Lucknow. So, you can get good value for your money by buying tailor-made ACKO car insurance plans according to your requirements.
It only takes the following few steps to raise an ACKO car insurance claim.
Login in to your personal ACKO account on the ACKO website or mobile app.
Go to your policy card and click on “Claim Now”.
Then, reply to questions relating to the accident and upload images of the same.
Once your car insurance claim has been submitted, our claims team will process your claim and settle it as per the terms and conditions of the policy.
As mentioned previously, car-related accidents and threats are common in Lucknow. Thus, the wise thing to do would be to financially protect your car with a suitable motor insurance policy.
As enumerated earlier on this page, ACKO offers various affordable car insurance plans to meet different requirements you may have. So, buy the mandatory third-party vehicle insurance and other suitable coverages from ACKO to drive stress-free in your city.
Here are some of the common questions regarding car insurance in Lucknow and their respective answers.
ACKO’s online car insurance renewal process is simple. First login to your account on the ACKO mobile app or website. Then, share and verify details, select appropriate coverage, and make the payment. You will immediately receive the renewed policy via email after payment.
The best car insurance for you will depend on your insurance requirements. Nonetheless, if you are on a tight budget, we recommend that you buy a Comprehensive Car Insurance Policy. The reason is, it financially protects you against accidental damages to others and their vehicles and also your own vehicle.
No, you cannot drive without car insurance in Lucknow or anywhere in India for that matter. As per the Motor Vehicles Act of 1988, the minimum insurance requirement to drive on Indian roads is possessing a Third-party Car Insurance. Being caught without valid car insurance can lead to penalties.
The car insurance prices in Lucknow may vary depending on the plan you choose. There are different plans for different requirements. You can enter your requirements on our free-to-use car insurance premium calculator tool to find out the exact rate of insuring your car.