Rolls Royce Phantom Insurance - Buy/Renew Rolls Royce Phantom Car Insurance

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Rolls Royce Phantom — the name itself immediately triggers notions of speed and ferocity, with a whole lot of class. Supercars from the British manufacturer are truly just supremely fast pieces of art, and thus, if you own one of them, you need to be aware of the vital benefits of insurance. Read on to get a basic grasp of insurance policies and their criticality in daily life.

Why You Should Buy Car Insurance for Rolls Royce Phantom

Legal Mandate:

It is illegal to drive in India without a third-party insurance policy. You must have enough insurance if you wish to avoid paying hefty fines or harsher penalties.

Financial Coverage:

Having to pay for unlucky incidents out of your wallet can be very expensive. You might considerably lessen your financial burden by obtaining insurance policies.

Thefts

Car thefts are more common than you may believe. If your vehicle is stolen, the car insurance policy will guarantee that you will receive your money back, subject to certain exceptions.

Liability

An insurance policy with third-party coverage is required by the Motor Vehicles Act. It guarantees that you are shielded from financial losses due to harm to another person's car or life.

The Most Common Types of Car Insurance for Rolls Royce Phantom

Third-party liability insurance

Every owner of a vehicle is required under the Motor Vehicle Act of 1988 to have third-party auto insurance. This policy's only objective is to shield a third party from harm brought on by your Rolls Royce Phantom in the event of an accident. It's crucial to remember that your Rolls Royce Phantom will not be covered for damage by third-party auto insurance.

Comprehensive insurance policies

These cover damages resulting from unforeseen and/or uncontrollable occurrences as well as third-party liabilities and damages caused by the policyholder.

What is Covered

What is Not Covered

What is Covered in Rolls Royce Phantom Car Insurance?

According to policy limits, a comprehensive car insurance policy often covers:

Third-party bodily injury, property, and asset damage liability.
Expenses for repairing or replacing the insured parts of your Rolls Royce Phantom due to fire, riots, theft, accidents, etc.
The worth of any alloy wheels, infotainment system, etc., that was harmed in an accident.
Theft or total loss.

The wording of policies must be carefully read since there are certain restrictions and requirements for claim eligibility.

What is Not Covered by Rolls Royce Phantom Car Insurance?

Exclusions in comprehensive insurance that you should know about:

Normal deterioration and wear and tear of parts of the car as a result of ageing are not covered, except in cases where they resulted from an accident, and damages resulting from mechanical and/or electrical issues with the vehicle are not covered.
Any damages that existed before the policy's commencement date are not covered by policies.
Additionally, damages resulting from intoxicated driving are not covered.

Add-ons for Rolls Royce Phantom Car Insurance

Comprehensive insurance policies are great because they can be improved upon with the help of add-ins like:

Return to Invoice: Get compensation equivalent to your car’s original monetary value in the cases of damage beyond repair or theft.
Zero depreciation: Discards any depreciation of your car’s parts and, hence, no deductions due to the same, thereby reducing your out-of-pocket costs.
Engine and gearbox cover: An expensive engine of a luxury car should be insured.
NCB Protection Cover: Even if you make a claim, your No Claim Bonus will be covered.
Coverage for accessories: Any damage to the navigation system, music system, etc.

Benefits of Buying Online Car Insurance for Your Rolls Royce Phantom

Customizations

Create a comprehensive coverage policy with add-ons that are most relevant to you.

Total transparency

No hidden fees. No commissions. No middlemen. All that will be required of you is the payment of your insurance premium.

24/7 assistance

Highly trained and dedicated professionals are always there to support you.

How to Buy/Renew Rolls Royce Phantom Insurance

Here’s how you can buy or renew your Rolls Royce Phantom Insurance policy.

Visit the insurer's website or download the app.
Enter the number of your Rolls Royce Phantom.
Enter your previous policy details (if applicable), choose your preferred plan and add-ons, and pay the premium online.

4 Easy Steps to Raise a Claim Online for Rolls Royce Phantom Car Insurance

Here are the steps to raise a car insurance claim online:

Step 1: Intimate the claim through insurer’s website or mobile app by providing some basic details.

Step 2: Upload necessary documents like copies of policy, FIR or repair estimates through the app. For cashless claims, contact the authorized workshop directly.

Step 3: The insurance provider’s claims team will reach out to you for further assistance.

Conclusion

Rolls Royce Phantom, with its illustrious history, blends cutting-edge high-capacity engineering with fierce style and iconic style. As a proud owner of this prized possession, we wish you the best in finding the right car insurance policy for you. Remember, we’re always here and always happy to help.

Frequently Asked Questions on Rolls Royce Phantom Car Insurance

FAQs

Do I need to upload any documents while filing a claim on ACKO?

No. Typically, you need not upload any documents while filing a car insurance claim on ACKO. You just need to upload the photographs of the damaged vehicle. But in special cases such as theft, you may have to upload the necessary documents to process the claim.

Is third-party car insurance sufficient for my Rolls Royce Phantom?

A third-party car insurance policy may not provide adequate coverage for your vehicle as it only covers third-party losses. Consider purchasing a Comprehensive Car Insurance Policy for all-around coverage, including third-party and Own Damage cover.

How much will an insurance policy cost for my Rolls Royce Phantom?

The cost of the premium is directly proportional to the cost of the vehicle.

Will there be a change in my Rolls Royce Phantom’s insurance premium when I modify the car?

Yes, informing the insurer about any modifications, like engine tuning, body kit additions, etc., is important. It will impact the Insured Declared Value (IDV) of your car.

Do I need hard copies of documents while filing a claim?

Nope! No paperwork is required. Only soft copies need to be uploaded when you file a claim with ACKO.

Can I insure accessories like roof wraps, body kits, etc?

If you declare and pay the relevant premiums to cover accessories under motor insurance, you can definitely insure body kits, wraps, music systems, navigation systems, etc.