Know how to buy/renew Rolls Royce Wraith Car Insurance
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To own a car as luxurious and powerful as the Rolls Royce Wraith is as rare as one can imagine, especially in India. However, owning such a car does not mean equalising total protection and safety, especially in today’s world where theft and stealing have become common. An individual owning such a precious car needs to understand the importance of having car insurance coverage, which ensures protection and safety at all costs! Read on to know all you need to know regarding car insurance for the Rolls Royce Wraith.
Driving without a third-party insurance policy is not legal in India. Adequate insurance is an absolute must to avoid heavy fines or worse penalties.
Paying out of your pocket in case of unfortunate accidents can be a heavy burden. Insurance policies can help you lighten the financial load significantly.
Another unfortunate reality is that cars get stolen a lot in India – about 1,00,000 each year. It is highly recommended that you get insurance so that at least the financial loss can be managed easily.
Policies have add-ons that you might find very useful. Network garages, roadside assistance coverage, cashless services, zero depreciation, and much more!
Here are the two main types of insurance policies you can find for the Rolls Royce Wraith:
Mandatory under the law, this policy is a must-have for any new car that you buy. It covers damages your vehicle might cause to other vehicles/property/individuals.
A policy for the protection of your asset. You can get complex and exhaustive coverage in addition to third-party liability coverage. It protects your costs in cases of accidental damages, theft and natural or man-made disasters.
What is covered
What is not covered
Typical comprehensive car insurance policies you go for will include:
Third-Party liability protection: In case of accidents involving you and other people, vehicles, property, etc.
Protection against natural calamities: like floods, earthquakes, cyclones/typhoons, etc.
Protection against man-made disasters: like burglary, theft, riots/strikes, etc.
Accidental damage: caused by collisions, wrecks, overturning, road rage, etc.
Fire, explosion, or self-ignition incidents that may lead to partial or total damage.
Policies often provide a big list of scenarios for which you can get insurance as per your needs.
Despite comprehensive insurance policies’ broad coverage, here are some exclusions you should be aware of:
Wear and tear of parts like tyres, tubes, brake pads, etc.
Breakdown of mechanical or electrical systems that lead to technical failures in the car unless linked to an accident.
Smaller damages like dents and scratches or fractures in non-structural plastic components of the car.
Any damages that existed before the commencement date of the policy.
Damages to the vehicle due to illegal drunk driving.
Rolls Royce Wraithnowners can improve their comprehensive car insurance policies by adding these beneficial coverage options:
Zero depreciation: Lowers out-of-pocket costs by waiving off any deductions that could count towards the depreciation of car parts in case of repairs.
Return to Invoice: Returns the monetary value of your car to what it was when you bought it in the cases of theft or total loss.
Gearbox and Engine Cover: For the heart of the car. Covers replacement or required repairs in case of a breakdown.
Roadside Assistance Cover: On-the-spot aid in case your car breaks down unexpectedly. A tow vehicle or mechanic will be dispatched for your help.
Here’s why you should get online car insurance:
Stress-free and easy: Everything is online and very convenient. Go to the website of the insurer, browse through the insurance offerings, and go for the one you want!
Cut out the middle man: Pay only your premium amount. Online insurance is all about total transparency, with no brokerage or commissions.
24x7 support: A dedicated team of trained specialists is always there to support you with anything you may need, round-the-clock.
No paperwork: Easily raise claims online and have them settled instantly.
Here’s how you can buy or renew your insurance policy:
Visit the insurer's website or download the mobile app
Enter the registration number of your car and other basic details
Select your preferred plan; choose the add-ons most relevant to you
Pay the premium amount online
Here’s how you can raise a 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.
A beautiful luxury SUV like the Rolls Royce Wraith deserves the best protection from all the risks its owner can foresee. We hope this article helped you in your insurance policy decision-making process. Whatever your needs may be, we offer cutting-edge, intelligent, and transparent avenues of protection.
The cost of the premium is directly proportional to the cost of the vehicle.
10 minutes. That’s how fast it is with ACKO, and just as easy!
The expiry date, IDV value, premium paid, etc., can all be accessed and monitored through our website, app or policy document.
With ACKO, no documents need to be submitted while buying or renewing a policy. However, common documents that may be required elsewhere include the Registration certificate of the vehicle, Government identification KYC documents, previous policy documents for NCB (if applicable), and PAN may be required as well.
One is always advised to insure as expensive a piece of masterful engineering as the Rolls Royce Wraith’s engine and gearbox. Browse the options available on ACKO to know more!