Car insurance or a four-wheeler policy is necessary to protect your car and you from various situations and scenarios that lead to financial damages. Here are some of the reasons why you need to have a third-party or comprehensive four-wheeler insurance policy:

Compliance with the law

According to the Motor Vehicle Act , having a third-party car insurance policy is compulsory by law. Therefore, every car plying on Indian roads must be covered at least by 3rd party insurance. Without a valid policy, you could end up getting into trouble with the law and would have to pay hefty traffic fines.

 

Protection from third-party liability

Third-party liability arises when the insured four-wheeler causes accidental damage to a third-party vehicle or property or injuries to a third-party person. Third-party car insurance or even a comprehensive car insurance policy covers these third-party liabilities and protects insured from financial damages. We get you best offer four-wheeler insurance policies that come with basic as well as extensive insurance cover to protect you from a host of damages

 

Cover against theft

If your four-wheeler or the car parts are stolen, then your car insurance policy can cover the financial damages and compensate you for the loss of the car or the replacement or repair of the car parts. In case of total loss (damage beyond repair) or theft of your car, we ensures a quick and convenient settlement process to provide you with the sum insured of your car.

 

Protection against financial losses

If there is a bump or deep scratch on your car due to an accidental collision or an act of vandalism can lead to financial damages. Here, an Own Damage cover or comprehensive car insurance is useful as they offer complete protection to the insured vehicle from various kinds of damages, right from theft and accidents to damage due to natural disaster and more.

 

Cover against natural calamities

In case of floods, cyclones, storms, earthquakes or other natural calamities, your car can face significant damages and the extent of repairs can get costly. The financial plan provided by your four-wheeler insurance cover helps take care of these damages so that your car is safe and in good condition even in harsh weather.

 

Personal Accident Cover

With a car insurance policy, you can avail of a personal accident cover of up to ₹15 lakhs, as per guidelines issued by the Insurance Regulatory and Development Authority of India, in the event of bodily injuries, disability or even death of policyholder.