The Benefits of Getting Car Insurance Online

A very important aspect of owning a car is having the right kind of car insurance. For every car owner, it offers a security blanket in multiple ways. Considering the general condition of roads in India, and the overall disregard for traffic rules by the public, having the car bumped and dented is a common affair. Sometimes, accidents can result in serious damage to the car and car insurance can help to pay for repairs to a large extent.

A vital benefit of car insurance is the third-party claim that is now mandatory with Motor Insurance Policy. In the case of an accident, it is a provision that will allow an insurance provider to settle a claim with the other party in the collision, without the liability coming on the policyholder.

Getting Car Insurance

One of the simplest ways of insuring your vehicle is to get car insurance online. All Major Insurers today have an on-line Policy issuing portal to sell policy online. There are Aggregator sites, which will give you a broad idea of the kind of policies available in the market. Based on answers to a standard set of questions, these sites offer you a range of policy options.

As a prospective customer, you should use these options as guidelines and look at individual organizations and their offerings online. What is important to ascertain is the coverage that a policy will provide and the quantum of insurance you get for a specified premium. All riders must be carefully evaluated to make sure they cover all your requirements. Some of the key features to look out for are:

• Coverage for loss or damage to the car
• Third-party coverage
• Damage when in transit
• Insurance against burglary and loss in case of natural calamities
• Emergency roadside assistance coverage

Each rider or Add-on cover as it is called, will add to the premium amount that you are paying. Some of the popular Add-on cover options are:

• No Claim Bonus Protection cover
• Emergency Roadside Assistance Cover
• Return to Invoice cover
• Nil Depreciation cover
• Loss of Personal belongings
• Bi-fuel Kit cover
• Additional Legal Liability cover towards paid driver and employee

 One way in which to ascertain that amount is to use a car insurance premium calculator. This is easily available online and, based on your inputs, will provide an estimate of the premium. 

Benefits of Getting Car Insurance Online

The primary benefit of getting insurance online is convenience. Comparisons can easily be made within a policy and all information regarding each of the riders can be evaluated. Premium amounts can be seen before one commits to paying them. Purchase of coverage online immediately results in a soft copy of the policy being delivered via e-mail. This can happen at any time of the day or night, ensuring that coverage is available even on short notice.

Car insurance renewal is simple enough as you will be intimated via SMS or e-mail when a policy is due for renewal. The site will take into account your earlier policy and any bonus amounts, if applicable, and will send across a rough estimate of the new premium. Ensuring that you have a valid and comprehensive car insurance policy has never been this easy.  You can also go and register for renewal alert direct with your Insurer of choice  on their website.