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Car Insurance for Opel
If you own a car or planning to buy a new car, then buying car insurance is a must. A car insurance policy not only makes sure that your vehicle complies with the legal requirements but also provides financial backup in case of a mishap. Similar to any other vehicle, buying Opel Insurance for your Opel car is crucial. Read on as this article will throw light on all aspects of Opel Car Insurance.
Buying car insurance is important in India, be it for Opel cars or any other car models. A third-party liability cover is mandatory for your vehicle to comply with the rules and regulations. Driving a car without valid car insurance is an offence in India, and doing so might attract hefty penalties. Apart from that, there are a host of benefits of buying car insurance for Opel cars, which are listed below:
A Third-Party and Comprehensive Car Insurance Plan offer mandatory third-party liability coverage. If your insured car damages another person’s vehicle/property or injures a third-party, then such losses will be covered by the car insurance policy. Having a third-party cover for your vehicle is compulsory to comply with the legal requirements.
A Comprehensive Car Insurance Plan provides an Own Damage cover, which provides coverage against damage to your car. If your car is damaged in an accident, or damaged due to fire or natural disaster or man-made calamities, then the insurance policy will cover such damages. With a Comprehensive Car Insurance Policy, you need not worry about repair works.
Whether you choose the Third-Party or Comprehensive Car Insurance Plan, the Personal Accident (PA) Cover add-on is mandatory. The PA cover provides coverage against injury/accidental death of the driver/owner. If the driver of the car suffers a disability/accidental death, then the insurance company will cover such losses.
A Comprehensive Car Insurance Policy gives you the flexibility of expanding the coverage benefits via add-ons. You can individually purchase add-ons along with the Comprehensive Policy. There are a host of add-ons available for car insurance and choose the required add-ons depending on your vehicle.
A Comprehensive Car Insurance Plan also covers theft or total loss of the insured vehicle. If your Opel car is totalled in an accident or stolen, then the insurance policy will cover such losses. In case of a total loss or theft, the insurer will pay you the IDV of the car.
You can opt for any of two types of motor insurance plans for Opel cars: Third-Party Car Insurance Plan and Comprehensive Car Insurance Plan. Below are the details of both the car insurance plans:
As the name suggests, a Third-Party Car Insurance Policy provides only third-party liability cover. However, a third-party cover is mandatory for your vehicle to comply with the rules and regulations. The insurance plan provides coverage against damage to third-party vehicle/property or life. Also, you cannot purchase add-ons with the Third-Party Car Insurance Plan.
A Comprehensive Car Insurance Plan provides extensive coverage as it includes both third-party and Own Damage cover. The insurance policy covers damages to your vehicle and also theft or total loss of the insured vehicle. You can also expand the coverage benefits via add-ons. Apart from that, the mandatory Personal Accident (PA) add-on covers injury/accidental death of the driver/owner.
Opel Comprehensive Car Insurance Plan provides coverage against the following:
Loss/Damage to third-party property or life.
Loss/Damage to the car due to an accident.
Loss/Damage to the car due to an explosion or fire outbreak.
Loss/Damage to the car due to natural calamities such as floods, cyclones, earthquakes, etc.
Theft or total loss of the insured vehicle.
Loss/Damage to the car due to man-made disasters such as vandalism, etc.
Opel Car Insurance does not provide coverage against the following circumstances:
Loss/Damage to the car due to mechanical or electrical failure.
Loss/Damage to the car due to wear and tear.
Loss/Damage to the car when driving under the influence of alcohol/intoxicating substances.
Loss/Damage to the car due to improper handling or reckless driving.
Loss/Damage to the car when driving without a valid driving licence.
Any add-ons which are not purchased.
A Comprehensive Car Insurance Plan allows you to buy add-ons. Below are the available add-ons for Opel Car Insurance:
Below are the benefits of buying car insurance for your Opel car from ACKO:
ACKO offers a paperless buying experience when purchasing/renewing car insurance. Whether you are buying or renewing car insurance, there is zero paperwork, and the entire process can be completed online. Digital payments modes make the process even simpler.
You can file a car insurance claim online at ACKO, and the process is simple. Minor damage claims will be settled instantly and claims for major damages will be settled within a few days, depending on the condition of the damaged vehicle.
ACKO’s website will provide you with all the information about car insurance. Further, car insurance experts will resolve your queries and guide you in choosing the right motor insurance plan for your Opel car.
Choose the best IDV (Insured Declared Value) for your car while buying car insurance. Simultaneously, ACKO will also suggest the ideal IDV for your car. Compare insurance plans and add-ons before making the purchase decision.
You can file a car insurance claim online, and the process is simple. Follow the below steps to register a car insurance claim at ACKO:
Step 1 - Visit the website www.acko.com or download the ACKO smartphone app.
Step 2 - Log in to your account with the registered mobile number.
Step 3 - Next, on your policy card, click the Claim button.
Step 4 - Enter a few basic details such as the nature of damage and upload the pictures of the damaged car.
Step 5 - ACKO’s car insurance expert will get in touch with you to process the claim
Below are some of the most commonly asked questions about Opel Car Insurance:
You can buy car insurance for your Opel car, either online or offline. Buying car insurance online is convenient, and it saves you a lot of time and money. Also, you can compare car insurance policies offered by different insurance companies before purchasing car insurance online. You can visit the insurer’s website (Eg. www.acko.com) to buy car insurance online.Is car insurance available for my old Opel car?
Yes, you can buy old car insurance for your used Opel car. The insurer will inspect your old car before calculating the Insured Declared Value, and then you will get the car insurance quote. The process of buying car insurance for old cars is similar to insuring new cars.Why should I buy a Comprehensive Car Insurance Policy for my Opel car?
A Comprehensive Car Insurance Plan provides extensive coverage that includes third-party and Own Damage cover. The Comprehensive/Package Policy provides coverage against damage to your car, and also covers total loss or theft of the insured vehicle. So, you can consider buying a Comprehensive Car Insurance Policy.What is Personal Accident Cover in Opel Car Insurance? Does it also cover passengers?
A Personal Accident (PA) Cover is a mandatory add-on for a car insurance policy. It provides coverage against accidental death of the owner/driver. A PA cover does not cover passengers. You have to opt for a Passenger Cover add-on to provide coverage for passengers.Is Opel Corsa a good car for long drives?
Yes, Opel Corsa is a very good car thanks to its top-notch build quality and reliable petrol engine. The Opel Corsa handles well, and it feels planted on highways. The car also delivers a decent fuel efficiency, which will come in handy during long drives.What happens if I do not renew my Opel Car Insurance Policy?
If you don’t renew your Opel Car Insurance Policy, your car will no longer be covered by the insurance policy, and also attract penalties for driving a car without a valid motor insurance policy. You will lose all coverage benefits if the policy is not renewed on time. Also, if you don’t renew the car insurance policy within 90 days, you might lose out on discount benefits such as No Claim Bonus.Does Opel still manufacture cars?
Yes, Opel still manufactures a range of cars and retails them all over the world. But Opel has stopped selling cars in India from 2006 due to various reasons. But Opel continued to provide service and spares for the existing Opel car owners.
Below are the car insurance plans for Opel car models in India:
Opel Astra Car Insurance
Opel Corsa Car Insurance
Opel Vectra Car Insurance
Buying car insurance for Opel cars is crucial as it covers financial and legal liabilities and makes sure that the vehicle complies with the legal requirements. Motor insurance Plan not only covers damage to your car but also damage to third-party property or life. Moreover, having at least a third-party cover for your vehicle is mandatory to comply with The Motor Vehicles Act.
The Comprehensive and Third-Party Car Insurance Plan offer the mandatory Third-Party Liability (TPL) cover. In case your car damages another person’s vehicle/property or injures a third-party, then such losses are covered by Third-Party Insurance Plan. But the insurance plan does not offer an Own Damage cover.
A Comprehensive Car Insurance Plan offers third-party and Own Damage cover. The insurance policy covers damages to your car. The vehicle damage cover includes accidental damages, fire damages and damages due to man-made/natural calamities. The Comprehensive Insurance Plan also covers theft or total loss of the insured vehicle. You can also enhance the coverage benefits by purchasing car insurance add-ons. Both the Comprehensive and Third-Party Insurance Plans come with the mandatory Personal Accident cover, which covers injury/accidental death of the owner/driver.
Opel is a German car manufacturer, and the brand is known for its premium build quality and affordable cars. Opel Cars India is known for its entry-level models such as the Corsa and Astra. Opel also sold the premium Vectra sedan in the Indian market. Prominent highlights of Opel cars are German engineering and the top-notch build quality.
Opel cars feature a simple and elegant exterior design, which appeals to the Indian buyers. The Corsa and Vectra sedans became popular due to its compact design and array of features it offered. On the other hand, the Astra is a nimble hatchback, which comes with premium features like air-conditioning, power windows, front and rear fog lights, alloy wheels and much more. Opel cars are equipped with petrol engines which deliver a peppy performance and good fuel efficiency.
Elegant and simple exterior design.
Front and rear fog lights.
Electrically foldable ORVMs (Outside Rearview Mirrors).
Rear window defogger and washer.
Audio system with font and rear speakers.
Air conditioning with automatic AC control.
Accessory power outlet.
Front and rear power windows.
Cup holders for the front and rear seat.
Powerful and fuel-efficient petrol engines.
Refer to the following tables for Opel car price, variants and specifications:
|Power||86.8 Bhp||92 Bhp|
|Torque||110 Nm||126 Nm|
|Transmission||5-Speed Manual Gearbox||5-Speed Manual Gearbox|
|Braking||Disc (Front)/Drum (Rear)||Disc (Front)/Drum (Rear)|
|Fuel Tank||47 Litre||47 Litre|
|Power||76 Bhp||74 Bhp|
|Torque||121 Nm||167 Nm|
|Transmission||5-Speed Manual Gearbox||5-Speed Manual Gearbox|
|Braking||Disc (Front)/Drum (Rear)||Disc (Front)/Drum (Rear)|
|Fuel Tank||52 Litre||52 Litre|
|Transmission||5-Speed Manual Gearbox|
|Fuel Tank||61 Litre|
|Opel Corsa||Sail 1.4||Petrol||Rs. 4.75 lakh|
|Opel Corsa||Sail 1.6||Petrol||Rs. 5.10 lakh|
|Opel Corsa||Elite 1.4||Petrol||Rs. 5.25 lakh|
|Opel Corsa||GL 1.4||Petrol||Rs. 5.25 lakh|
|Opel Corsa||GLS 1.4||Petrol||Rs. 5.25 lakh|
|Opel Corsa||Gsi 1.4||Petrol||Rs. 5.25 lakh|
|Opel Corsa||Swing 1.4||Petrol||Rs. 5.25 lakh|
|Opel Corsa||GSi 1.6||Petrol||Rs. 6.16 lakh|
|Opel Corsa||Royale 1.6||Petrol||Rs. 6.16 lakh|
|Opel Corsa||GLS 1.6||Petrol||Rs. 6.16 lakh|
|Opel Corsa||Swing 1.6||Petrol||Rs. 6.22 lakh|
|Opel Astra||Club 1.6||Petrol||Rs. 7.55 lakh|
|Opel Astra||Club 1.7||Petrol||Rs. 9.51 lakh|
|Opel Vectra||Comfort 2.2||Petrol||Rs. 16.75 lakh |
Note: All prices are ex-showroom (Delhi)
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Category: Non-Life Insurance
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