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Car insurance isn't a choice; it's a must in India. You need at least Third-party Insurance to follow the rules. This insurance helps cover the costs arising from harm to others by your car. This article covers everything about insuring your Volvo XC 60 SUV.
Car insurance is essential for any vehicle, including your Volvo XC 60 SUV, as it provides financial protection in case of accidents, theft, or other unexpected events. Here's why car insurance is essential for your Volvo XC 60:
Legal Requirement: In India, having at least a minimum liability insurance to operate a vehicle legally is mandatory. If you don't follow this rule, you could face fines, have your license taken away, or even get into legal trouble.
Financial Protection: Car insurance is the best financial protection in an accident. Repairing or replacing a Volvo XC 60 can be costly, and insurance helps cover these expenses. It is particularly important for high-end vehicles like the XC 60, as repair costs can be substantial.
Liability Coverage: Liability insurance includes two types:
Bodily Injury Liability: This covers medical expenses and compensation for injuries to other parties.
Property Damage Liability: This completes the cost of repairing or replacing other people's property, such as their vehicles or structures.
Comprehensive Coverage: Comprehensive insurance protects your vehicle from non-accidental-related damage. It includes theft, vandalism, natural disasters, and damage caused by animals. For a high-value vehicle like the XC 60, this coverage is valuable.
This type of insurance primarily includes third-party liability coverage, the minimum required by law in most places. It covers the costs of damage or injury to other people and their property when you're at fault in an accident. It includes bodily injury liability, covering medical expenses and compensation for injuries to others, and property damage liability, which covers repairing or replacing other people's property in case of an accident you're responsible for.
Comprehensive or full coverage includes all the coverage provided by basic plans. In addition to third-party liability, comprehensive insurance extends to damage or loss to your vehicle, whether you're at fault or not. This broader coverage includes protection against various situations, such as damage from fire, theft, vandalism, natural disasters, etc. Moreover, comprehensive plans often offer the option to add additional coverages or add-ons, such as engine protection coverage, NCB protection cover, roadside assistance, etc. It ensures a more comprehensive level of protection for your vehicle and financial security. The coverage is one of the most sought-after amongst car owners, especially for vehicles like the Volvo XC60 SUV.
What is Covered
What is Not Covered
These inclusions are covered in the Volvo XC 60 SUV insurance policy.
Mandatory Third-party Liability Coverage
Coverage for Damage due to natural disasters and accidents
Coverage for damages caused by artificial disasters, such as riots, etc.
Total loss of the insured vehicle (when it's damaged beyond repair)
Theft of Your Vehicle
Covers Based on Chosen Add-ons (if any)
These exclusions are not covered in the Volvo XC 60 SUV insurance policy.
Wear and Tear: Damage from regular use of the vehicle is omitted.
Mechanical Failures: Mechanical failures and breakdowns are usually not covered.
Intentional Damage: Any damage caused intentionally by the policyholder is excluded.
Illegal Activities: Incidents that occur while the vehicle is being used for illegal purposes or by an unauthorised driver.
Racing and Reckless Driving: Accidents during racing or reckless driving may not be covered.
Unapproved Modifications: If the car has unapproved modifications, such as engine enhancements, that contributed to the incident, the claim might be denied.
Driving without a license or while intoxicated: Your claim might not be accepted if the driver doesn't have a valid license or is intoxicated.
Non-Disclosed Information: Providing inaccurate or incomplete information when purchasing the policy can lead to claim denials.
Acts of War or Terrorism: Damage caused by war or terrorism might be excluded.
Commercial Use: Personal car insurance typically excludes coverage for commercial vehicle use.
If you plan to purchase a comprehensive insurance plan, then these add-ons can be added–
Roadside Assistance: Get assistance when your car breaks down on the road.
No Claim Bonus Cover: Maintain your No Claim Bonus even after a claim.
Passenger Cover: Ensures the safety of passengers in your car.
Engine Protection Cover: Protects your car's engine from unexpected damage.
Invoice Cover: Ensures you receive the original invoice price of your car.
Consumable Cover: Covers nuts, bolts, and other essential parts.
Zero Depreciation Cover: No depreciation deduction on car parts during a claim.
Here are the benefits you are going to enjoy after buying online car insurance.
ACKO's car insurance helps you avoid penalties and legal issues by ensuring you have the necessary coverage. It keeps you on the right side of the law, especially when driving your Volvo XC 60.
ACKO's digital platform is accessible 24/7, ensuring you can manage your car insurance needs at any time that suits you, even in the middle of the night or during emergencies.
With ACKO, there's no need to go through a middleman or intermediary. You can directly interact with the company, simplifying the process and potentially reducing costs.
ACKO's comprehensive coverage options, such as zero depreciation and engine protection, can help reduce out-of-pocket car repair expenses. It is especially valuable for protecting your Volvo XC 60 SUV, as repairs can be costly.
It is a simple process to renew or buy new car insurance for the Volvo XC 60 SUV from ACKO. Here are the steps you need to follow:
Visit the top of this page, or click on this link, or download the ACKO mobile app.
Enter your Volvo XC 60 SUV vehicle number and click “check prices.”
Enter your previous policy details (if applicable).
Choose the plan and add-ons you like.
Make online payment for the premium and instantly buy or renew the car insurance policy from ACKO.
You can file your car insurance claim with ACKO super easily. Follow these steps to file a car insurance claim:
Step 1: Access your ACKO profile by visiting the ACKO website or downloading the mobile app.
Step 2: Log in to your ACKO insurance account to access the car insurance features.
Step 3: Select your insurance plan (Third-Party/Comprehensive) and proceed to the Car Insurance Claim option.
Step 4: Provide details about the damage and upload photos of the damaged vehicle.
Step 5: An instant claim settlement will be initiated for minor damages.
Step 6: In the case of significant damages, ACKO's expert claims team will contact you to guide you through the process and ensure a seamless resolution.
Note: Please ensure you have all relevant documents and information when filing your claim.
Typically, you'll want at least liability insurance, but comprehensive coverage is advisable for a valuable vehicle like the XC 60. You can also consider add-ons like zero depreciation and engine protection for extra security.
ACKO offers a straightforward digital claims process. You can file an online claim and receive instant settlements for minor damages. For significant damages, ACKO's claims team will guide you through the process.
Your driving history.
The value of your car.
The coverage you select.
And any add-ons.
Safe driving records and anti-theft devices can sometimes lead to discounts.
Sometimes, there are discounts for safety features in the XC 60, such as advanced driver assistance systems. You may also get a discount for installing anti-theft devices on your vehicle.
ACKO offers a seamless online renewal process. You can visit our website or app, log in to your ACKO account, and follow the steps to renew your policy before expiration.