Car Insurance in Visakhapatnam

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Car Insurance in Visakhapatnam

Home / Car Insurance / Visakhapatnam (Vizag)

Vehicle insurance can financially protect you against third-party liabilities and expenses related to car-related damages. So, if you are looking for wide-ranging car insurance in Visakhapatnam, read ahead to learn more about your options.

Car insurance plans in Visakhapatnam
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Visakhapatnam, otherwise called Vizag, is a city in Andhra Pradesh with several industries and tourist sites. Not surprisingly, as per the 2011 Census of India, it had the highest population of all the cities in Andhra Pradesh. Consequently, there is high vehicular traffic in the city and thus, an increased risk of road accidents. Therefore, insuring your car becomes crucial. The following are the four-wheeler insurance plans provided by ACKO. To know the car insurance price in Visakhapatnam, select a preferred plan on our website and get a free quote.

1. Third-party Cover
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As per Indian traffic laws, third party car insurance is a must-have for car owners. It offers financial support to compensate for losses incurred by a third party involved in an accident with your car. These losses include disability, death or damage to property.

2. Own Damage Cover
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An Own Damage Cover offers financial protection against accidental damages to your car. Coverage under this plan includes theft, damages caused by road accidents and damages caused by natural or manmade disasters.

3. Comprehensive - Basic
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This plan clubs the benefits of a Third-party and Own Damage Cover. This way, you receive coverage for scenarios covered under both covers.

4. Comprehensive - Super Saver
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As the name suggests, this plan offers the coverages of a Comprehensive Plan and a little more. You get the added benefit of free pick up and drop of your car for claim-related repairs. The only downside is, that you will have to pay a deductible of Rs. 5,000 if you get your car repaired without giving us prior notice.

5. Zero Depreciation - Basic
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Zero Depreciation Car Insurance is also popularly referred to as a “bumper to bumper insurance plan”. It offers the coverages of a Comprehensive - Basic Plan and also covers the depreciation costs of vehicle parts. In the absence of this plan, coverage usually extends only partially towards the replacement/repair of fibre and plastic car parts.

6. Zero Depreciation - Smart Saver
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This plan provides all the benefits of a Zero Depreciation Plan at a reduced premium. However, coverage under this plan will get activated only if you pay a deductible of Rs. 5,000 during an accident-related claim. So, if you are confident that you are a safe driver and hence, unlikely to raise any claims, this plan is a cost-effective option for you.

7. Zero Depreciation - Super Saver
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This plan combines the benefits of a Comprehensive and Zero Depreciation plan. It also offers a free pick-up and drop facility for any claim-based repairs. The only catch is if you fail to inform us before getting your car repaired, you will have to put down a deductible of Rs. 5,000 from your side.

8. Personal Accident Cover
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A Personal Accident (PA) Cover is not a motor insurance plan. Nevertheless, as per traffic laws, it is mandatory to have one to legally drive in India. It financially compensates the insured in the unfortunate event of disability or death resulting from an accident.

Note: The details of the plans described above are subject to updates and availability. Thus, kindly refer to the policy wordings of a plan before making any insurance-related decisions. 

Need for car insurance in Visakhapatnam

As mentioned earlier, Visakhapatnam is a highly populated, fast-growing city. As a result, there are a few challenges that car drivers face while driving on the roads of Visakhapatnam. In the below section let’s briefly discuss these challenges.

Difficulties faced by car users in Vizag
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Here are some of the common challenges faced on Vizag roads. 

How to buy car insurance in Visakhapatnam

You can buy ACKO car insurance within just a few minutes via an internet-connected phone, laptop or desktop in Visakhapatnam. Here’s a step-by-step guide.

Step 1: Head to ACKO’s website or mobile app and input your car’s details.

Step 2: According to your requirements, select a suitable plan from our host of car insurance plans.

Step 3: Pay for the selected plan online and receive the policy document of the plan in your registered email ID’s inbox.

Benefits of buying car insurance in Visakhapatnam from ACKO
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As you may already be aware, ACKO is a leading digital insurance provider in India. Here are some of the benefits you can expect from opting for ACKO vehicle insurance in Visakhapatnam.

1. Low-premium plans
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Since ACKO is a digital-first company, you avoid paying commissions to middlemen to avail of our insurance policies. We also save on operational costs due to our digital setup and use these savings to cut down on car insurance premiums.

2. Instant claim for minor repairs
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At ACKO, we understand that it can be frustrating to wait to receive claim settlement for accidental damages. Hence, we make sure to process claims for minor damages within a few hours and credit the settlement as per the policy’s coverage.

3. Exclusive plans and discounts
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Some of our plans are tailor-made to fit diverse insurance requirements and cannot be found elsewhere. Buying these plans will give you good value for your money. We also offer attractive premium discounts during special occasions and festivals.

How to file a claim with ACKO

Not only is our claim settlement process fast, it is also super easy to raise a claim with us. Here are the simple steps to do so.

Step 1: Visit the ACKO website or use our smartphone app and sign in to your account.

Step 2: Head over to your policy card and click on “Claim Now”.

Step 3: Reply to a few questions about the accidental damages, share applicable pictures and click on “Submit”.

After your car insurance claim is submitted, we will process it as per the terms of the policy.

How ACKO Car insurance can financially protect your car in Visakhapatnam

Here are the benefits you can enjoy by purchasing ACKO’s Comprehensive Policy and its variants.

Frequently asked questions
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Here are the most asked questions regarding car insurance in Visakhapatnam.

Is it compulsory to buy car insurance in Visakhapatnam (Vizag)?

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Yes, it is compulsory to buy car insurance in Visakhapatnam to drive legally. The Motor Vehicles Act of 1988 states that third party car insurance needs to be purchased by car owners across India.

What will happen if I drive without car insurance in Visakhapatnam?

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If you drive your car without buying car insurance and get caught, you will have to pay fines and/or serve imprisonment. The penalty for the first offence is paying a fine of Rs. 2,000 and/or serving imprisonment for up to 3 months. The penalty for the second offence is paying a fine of Rs. 4,000 and or serving imprisonment for up to 3 months. These penalties are subject to changes.

Does four-wheeler insurance need to be renewed online yearly?

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The frequency of online car insurance renewal depends on the duration of the policy. You can choose a policy term of either one year or multiple years. If you choose a 1-year policy term, you will have to renew car insurance online after the completion of a year. Alternatively, if you choose a policy term of 3 years, you will have to renew your policy after the completion of 3 years.

Which is the best car insurance policy in Visakhapatnam?

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The best car insurance policy in Visakhapatnam depends on your insurance requirements. The most cost-effective policy is a Third-party Car Insurance Policy. Nevertheless, Comprehensive Car Insurance (and its variants) offers holistic coverage. So, depending on what parameter you are using, the “best insurance policy in Visakhapatnam” may vary.