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Mangalore, aka “Mangaluru”, is a prominent city in Karnataka known for its temples, churches and beaches. This article is for you if you are a resident of this beautiful city and own a four-wheeler. Here, we have highlighted the importance of car insurance in Mangalore and the benefits of insuring your car with us.
The following are the car insurance plans we offer in Mangalore.
Third-party Insurance is a government-mandated policy. It offers coverage against car-related third-party liabilities such as injury, death or property damage to a third party.
An Own Damage (OD) Cover provides coverage in situations where your car gets damaged. Its inclusions are vehicle theft, collisional damages, and damages caused by manmade and natural calamities.
A Comprehensive - Basic policy is a blend of a Third-party and OD Cover. So, you get the best of both worlds in terms of coverage. Another benefit of this policy is the ability to expand coverage by selecting desired add-ons.
A Comprehensive - Super Saver plan offers the coverage of a Comprehensive - Basic plan, plus an added benefit: your vehicle will be transported to a network garage for claim-related repairs. However, if you get your car repaired without informing us, you have first to shell out a deductible worth Rs. 5,000 before we start pitching in.
A Zero Depreciation - Basic plan is popularly referred to as a “bumper to bumper plan”. Under it, you get the coverage of a Comprehensive Policy, plus protection against the depreciation costs of vehicle components during claim settlement.
A Zero Depreciation - Smart Saver plan offers the coverage of the Zero Depreciation - Basic plan at a reduced rate. Note that if you raise an accident-related claim, you have to put down the first Rs. 5,000 as a deductible; after that, we will cover you.
A Zero Depreciation - Super Saver plan comes with all the benefits of Zero Depreciation - Basic plan. The only difference is that it additionally offers free vehicle transportation to a network garage for claim-related repairs. Here again, if you get your vehicle repaired by yourself and fail to inform us, you have to pay a deductible of Rs. 5,000.
Technically, a Personal Accident Cover is not a car insurance policy but, as per The Motor Vehicles Act of 1988, possessing it is a mandatory requirement for all vehicle owners. It compensates the insured car owner with a bulk amount if they die or become physically disabled due to an accident.
Since car accidents are unpredictable, it is wise to get your car insured with a wide-ranging policy. That way, if your car is damaged due to an accident, you need not worry about arranging for finances to get it repaired. Also, as per The Motor Vehicles Act of 1988, all vehicle owners need to possess at least Third-party Insurance. So, to be financially protected and compliant with the law, it is advisable that you get your car insured in Mangalore.
Here are the upsides of getting your car insured by us.
Some of the car plans we offer are unique to us and provide coverages that you are unlikely to find elsewhere. Also, we give you the option to personalise plans as per your specific insurance needs.
ACKO operates on digital infrastructure as opposed to physical offices. This model reduces our operating costs. We use these savings to offer low-cost car insurance policies.
There’s no need to fill out lengthy forms or attach a long list of documents while insuring your car with us. We follow a no-paperwork policy where you can insure your car with just a few clicks online.
You can raise a car insurance claim with us by following the steps given below.
Step 1: Visit our website/phone app and sign in to your personal account.
Step 2: Click on “Claim now” near your insured car’s policy card.
Step 3: Respond to a few queries on the damages and upload relevant pictures. After that, select “Submit”.
Upon receiving your claim request, we will process it in accordance with the terms of your policy and credit the relevant settlement sum.
Here are ways in which our Comprehensive Car Insurance Policy (and its variants) can financially safeguard you in Mangalore.
You will receive the legally mandatory Third-party Car Insurance Policy.
In the unfortunate event of a vehicle collision, we will offer monetary support to manage car repair.
We will compensate you with your car’s Insured Declared Value (IDV) in the event of vehicle theft or total damage.
You can expect to receive settlements for claims raised towards minor damages in just a few hours.
Get 24x7 support to clear your insurance-related doubts.
Yes, ACKO offers car insurance in Mangalore.
The premium payable for ACKO’s car plans in Mangalore depends on factors like the type of plan you choose, the add-ons you select and your car model. To find out the premium payable for your car in Mangalore, please visit our car insurance premium calculator and enter the requested details.
Yes, second-hand cars in Mangalore need to be insured. As per The Motor Vehicles Act of 1988, it is illegal to drive on Indian roads without at least Third-party Insurance. This law is applicable even if you are a second-hand car owner.