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Car Insurance in Nagpur

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Car Insurance in Nagpur

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Nagpur, the 3rd largest city in Maharashtra, was selected under the Smart City Mission in 2016. Even in 2022, the city is constantly developing. While this is good in a way, it can also lead to traffic congestion, road deviation, haphazard parking, and other such instances, increasing car damage chances.Therefore, buying adequate car insurance in Nagpur is essential to ensure financial assistance in case of car-related damages.

Car insurance plans in Nagpur
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ACKO offers different types of car insurance policies in Nagpur based on your needs. Go through the following section and pick the best-suited insurance cover for your four-wheeler.

1. Third-party Insurance
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If you are driving a car in Nagpur, your vehicle should at least be insured under the mandatory Third-party Car Insurance Policy as per The Motor Vehicles Act, 1988. Failure to insure your car with this policy invites penalties and can even lead to imprisonment! Third-party Insurance provides financial protection against death, injury, and property/vehicle damage incurred by a third party due to an accident involving your insured car.

2. Own Damage (OD) Cover
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While the compulsory Third-party Car Insurance Policy covers third-party liabilities, it does not cover damages to your car. To insure your vehicle against accidents, calamities, and theft, you can consider buying the OD Cover.

3. Comprehensive - Basic
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The Comprehensive - Basic combines 3rd Party Insurance and the OD Cover. You also can buy car insurance add-on covers such as Engine Protection Cover, Zero Depreciation Cover, Roadside Assistance Cover, etc., with this option to increase your insurance coverage.

4. Comprehensive - Super Saver
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We have customised this plan to offer broad coverage and a superior claim experience. When you submit a claim, we arrange an express pick-up and drop facility. The damages are repaired at our network garage at zero charges.However, if you begin claim-related repairs without informing us, you must pay a deductible of Rs. 5,000 at the time of claim settlement.

5. Zero Depreciation - Basic
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Popularly referred to as “bumper-to-bumper car insurance”, it provides coverage for your car without considering the depreciation factor. Under this plan, we shall not deduct the depreciation cost while settling your claim. Hence, you don’t have to pay much from your pocket except for deductibles.

6. Zero Depreciation - Smart Saver
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One of our unique car insurance plans, the Zero Depreciation - Smart Saver, offers the advantages of the Zero Depreciation - Basic plan but at a lower cost. During claims, you have to pay Rs. 5,000 as a voluntary deductible. The rest of the repair cost shall be paid by us. You can consider this plan if you think that the probability of raising a claim during the policy period is low.

7. Zero Depreciation - Super Saver
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Under this car insurance plan, you get the benefits of Comprehensive - Basic and Zero Depreciation - Basic, along with a higher level of claim experience. During claims, we will pick up your vehicle, repair it at one of our network garages, and deliver the car back to you at no extra cost. Please note that you must inform us before you begin claim-related repairs. If you don’t notify us, then you have to pay Rs. 5,000 as a deductible.

8. Personal Accident Cover (PA)
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The PA Cover is not an insurance plan, but it offers additional coverage to your car insurance policy. You must have the PA Cover since it is mandatory as per The Motor Vehicles Act, 1988. You can buy this with Comprehensive Insurance or Third-party Insurance. It offers financial protection against permanent disability and death while driving a vehicle.

Note that the information mentioned in this section is subject to changes and availability. Please read the respective policy wordings before you make any insurance-related decisions.

Need for car insurance in Nagpur
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Nagpur is on the cusp of becoming a large metropolitan city. The city infrastructure is constantly being upgraded to cater to the rising needs of people commuting by cars on Nagpur roads. With numerous road users, the probability of road accidents is higher.

Damages to your car or a third party may leave you financially drained. Here’s where having car insurance in Nagpur is an ideal way to protect yourself against financial loss. Comprehensive car insurance plans mentioned above offer coverage against accidental damages, fire, explosion, flooding, riots, and vehicle theft. They also cover third-party liabilities. Thus, don’t drive your car in the city without adequate insurance.

Challenges faced by car users in Nagpur
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Here are some difficulties experienced by car users in Nagpur.

How to buy car insurance in Nagpur
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Opting for online car insurance in Nagpur has several benefits over the offline method. Follow the below-mentioned steps to insure your car from ACKO. 

Benefits of buying car insurance in Nagpur from ACKO
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We are a digital-first insurance company offering our services through our website and app. Here are some of the unique benefits of buying car insurance from ACKO.

Low Premiums

1. Low premiums
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You can purchase car insurance directly from us. There are no middlemen involved in the process. Hence, we offer car insurance plans at low premiums so that you get the best car insurance in Nagpur.

Common > Car > Why Acko > Easy Claims

2. Quick claims
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Minor claims are settled instantly, and major ones are also processed seamlessly. Also, we arrange to pick up and deliver your car after it is repaired at one of the network garages at no extra cost (as per applicable terms).

Unique Plans & Discounts

3. Exclusive discounts on car insurance
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You can avail of discounts during festivals and special occasions. We have curated different car insurance plans so that you can choose the plan that suits your needs the most.

How to raise a claim with ACKO
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Our claims process is simple, easy, and paperless. Here are the steps to file a car insurance claim on ACKO.

Step 1
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Log in to your account via our online platform (website/app).

Step 2
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Select the policy against your car, choose “Claim”, and provide answers to a few questions about vehicle damage.

Step 3
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Upload the photos of the damaged vehicle and submit soft copies of the required documents to raise your claim.

Upon submission of your car insurance claim, compensation for minor damages is settled within a few minutes. And, for major damages, your claim will be settled based on the severity of the damages as per the applicable terms and conditions.

How can ACKO car insurance protect your car in Nagpur?
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Driving a car in Nagpur can be difficult due to the high traffic density, unmindful pedestrians, and bad road conditions. Therefore, the probability of accidents is higher. Insuring your car in Nagpur is ideal since it offers financial cover against such liabilities. 

At ACKO, you can buy car insurance directly from us. Hence, you can insure your car within a few clicks on our website or app. Visit our website/app to:

Why you should buy car insurance in Nagpur
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Here are some of the reasons why you should buy insurance for your car in Nagpur. 

1. Avoid hefty fines
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Driving a car without insurance in Nagpur is a punishable offence. Presently, the traffic fine for vehicles with insurance is Rs. 2,000 for the first instance and Rs. 4,000 for subsequent violations and/or imprisonment. Your Driving Licence (DL) may be suspended too. Avoid hefty traffic fines by insuring your car with at least the compulsory Third-party Car Insurance in Nagpur.

2. Avail of wide-ranging benefits
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Consider buying a Comprehensive Car Insurance Policy (or its variant) for broad car insurance coverage since it covers damages to your car and third-party liabilities. You can also opt for Comprehensive Insurance during car insurance renewal.

3. Enhanced coverage
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If you think Comprehensive Car Insurance is not enough, you can opt for car insurance add-ons suitable for Nagpur along with the policy. They offer additional coverage for a premium. For example, a Comprehensive Policy does not cover damages to your car engine. Hence, opt for the Engine Protection add-on cover along with it for enhanced coverage.

Frequently asked questions
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Here are the answers to common questions about car insurance in Nagpur.

How to buy car insurance online in Nagpur?

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You can scroll to the top of this page and buy or renew car insurance in Nagpur using the available widget.

Which is the best type of car insurance in Nagpur?

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Comprehensive Car Insurance is an ideal insurance plan for your vehicle since it offers a broad range of benefits. It covers third-party liabilities, damages to your car, and vehicle theft. You also have the option to include add-on covers to increase the insurance coverage further.

Is Zero Depreciation - Super Saver required for car insurance in Nagpur?

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It is not mandatory, but you can buy it for enhanced coverage as compared to the Third-party Policy.