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Car Insurance in Raipur

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Car Insurance in Raipur

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Raipur, the capital of Chhattisgarh, is a city known for its famous temples, museums and other tourist sites. Located nearly at the centre of Chhattisgarh, it also houses renowned educational institutions like the National Institute of Technology (NIT) and the All India Institute of Medical Sciences (AIIMS). With all this activity happening, it is no surprise that Raipur's roads are busy. If you want to drive a car in Raipur, insuring it is a must. In this article, we have discussed car insurance in Raipur. So, if you are a car owner residing in this city, this article is for you.

Car insurance plans in Raipur
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Looking for car insurance in Raipur? Here is a list of our offerings in your city.

Third-party Insurance
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This is the primary insurance that all motor vehicles need to possess to drive legally in India. It offers compensation to a third party if they are involved in an accident caused by your car. Its inclusions are injury, death or damage of property to a third party.

Own Damage Cover
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An Own Damage or OD Cover provides financial protection against theft and damages to your insured car. Damages include collisional damages and damages caused by manmade and natural calamities.

Comprehensive - Basic
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A Comprehensive - Basic plan is a combination of two covers: Third-party and Own Damage. An additional feature of this plan is an option to enhance its coverage by purchasing add-ons.

Comprehensive - Super Saver
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A Comprehensive - Super Saver plan offers all the benefits of a Comprehensive Policy, plus an additional benefit of free pick up and drop off of your vehicle for claim-related repairs. Nevertheless, if you get your car repaired without informing us, you will have to shell out a deductible of Rs. 5,000.

Zero Depreciation - Basic
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All car components are subject to depreciation with age. A Zero Depreciation - Basic plan protects your car parts from this regarding claim settlement. It also provides the protection of a Comprehensive Policy. So, if your car incurs accident-related damages, depreciation won’t be considered during claim settlement.

Zero Depreciation - Smart Saver
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A Zero Depreciation - Smart Saver plan gives you the coverage of a Zero Depreciation plan, but at a discounted cost. However, the coverage of the plan will only come into effect after you spend a deductible of Rs. 5,000 towards claim-related repairs.

Zero Depreciation - Super Saver
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A Zero Depreciation - Super Saver plan comes with the benefits of Zero Depreciation Cover and more. If your car endures accident-caused damages and you inform us, we will transport it to a nearby network garage for repairs. Once the repair work is over, we will deliver your car to your residence, at no cost to you.

Personal Accident Cover
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A Personal Accident or PA Cover is technically not considered a car insurance policy but is a requirement to drive legally in India. It offers monetary compensation to the car owner if accident-caused disability or death occurs to them.

As per a report by the research wing of the Ministry of Road Transport and Highways (MORTH) road-accident-related fatalities in Raipur showed an increasing trend from 2016 to 2020. This calls for increased vigilance while driving in the city and preparing ahead for accident-related scenarios. One thing you can do to be prepared for financial repercussions of car accidents is buy car insurance. In that case, if an unfortunate accident occurs, you need not worry about the finances involved in restoring your car. Besides, insuring your car is a legal requirement as per The Motor Vehicles Act.

Benefits of buying car insurance in Raipur from ACKO
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Here’s why ACKO car insurance is the ideal choice for insuring your car in Raipur.

Great deals
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Our digital infrastructure helps us to function with low operating costs and skip intermediaries. The resulting savings translate to attractively priced policies for you.

Rapid processing
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Have you experienced waiting for an accident-related claim to be settled? If so, you may know how time-consuming it can be. But not anymore! For instance, ACKO’s claim processing takes only a few hours for minor car damages.

Bye-bye paperwork
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No one likes filling out endless forms and submitting a long list of physical documents that the insurance industry is infamous for. However, things have changed for good with ACKO. You don’t need to meet such tedious paperwork requirements while buying or renewing a policy or raising a claim against your ACKO policy.

How to file a claim with ACKO
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Follow the below-listed steps to raise an ACKO car insurance claim in Raipur.

Once we receive your request, we will process it per your plan's terms and credit the applicable settlement amount.

How ACKO car insurance can financially protect you in Raipur
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ACKO’s wide-ranging car insurance can financially safeguard you in the following ways in Raipur. Note that the exact coverage depends upon the chosen policy.

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In this section, we have answered some of the most common questions on car insurance in Raipur.


Is car insurance in Raipur optional or mandatory?

Car insurance in Raipur is mandatory. As per The Motor Vehicles Act of 1988, all cars need to be insured with at least Third-party Insurance to be driven legally in India.

Will my ACKO car insurance cover me outside Raipur?

Yes, your ACKO car insurance policy will cover you outside Raipur (across India).

How does ACKO stand out as a leading car insurer in Raipur?

We stand out in Raipur in the following ways.

  • Unique car insurance policies

  • Super-fast claim process

  • High Claim Settlement Ratio (CSR)

  • Low-cost plans

  • No commissions

  • Digital insurance experience