Best Automotive Insurance Quotes Online l Get Free Car Insurance Quotes Online

No matter how secure the drivers and the vehicles are, mishaps on the road can occur any time. Every vehicle owners should have its accident policy but today there are still some drivers who don’t have any. They are worried to get one because of the cost of a policy and the confusion of which how to obtain one. Luckily, it is pretty simple today to get a free Insurance quotes online.

Before you log online to get your free automotive insurance quotes online, you should first get all the important detail ready. Sites that will provide you auto online free quotation will need these sets of detail as basis for the cost of the auto policy that will provide you. You should determine the primary how much coverage you want, and how much coverage do you need. States have different needs on the minimum coverage that drivers should have and you should know the lowest of your state. Definitely, you can have online quote auto insurance that is beyond the minimum need.

These auto quote insurance sites will need you to fill out some form and reply a few questions before they can supply you the online insurance quotes auto free. Take time to reply these questions as right as possible because the more right the sets of detail are, the more perfect the price of the premium that will appear on the free automotive insurance quote will be. You can better match these quotes if you have the true premium costs, as match to having estimates only. Also, be alert that you should match auto quote insurance on even terms, like matching apples with apples.

Once you have picked the best Insurance quotes with the best coverage and the best price, your job does not end there. You should also take a look at the insurance firm. The free online quote auto insurance will not tell you everything that is why you should perform your job researching about these firms. Find out the firms track records when it comes to policy holders filling for claims. Getting as much online insurance quotes auto as you can should make matching simpler.

Once you have signed the policy, cancel your previous vehicle insurance. Professionals advised that you should not cancel your old vehicle insurance until you have gotten a fresh one. There are many benefits when you combine and match online insurance quotes auto that is why take the time to do them.

 

Some of the Best Available Automotive Insurance Quotes Online Are :

Looking for car insurance comparison? PolicyBazaar provides you an innovative interface to compare car insurance policies by best car insurers in India. Check out details on each insurer and select the one that suits your needs.

Insurer Third Party Cover Cashless Network Garages Add On Covers Special Features Exceptions
Bajaj Allianz car Insurance Upto 7.5L for third party property damage 4000 and more
  • Default: Roadside Assistance plan (RSA)*
  • Key & Lock replacement
  • Optional: Zero Depreciation (ZD)
  • Engine Protector
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • RSA and Lock & Key included in all policies by default
  • Instant Policy Issuance
  • Receive Instant Claims Assistance and SMS updates on your motor claim status through 24×7 call-centers.
  • RSA cover available for vehicles upto 15 years old
  • Lock & Key cover available for vehicles upto 10 years old
  • ZD and Engine Protector available till 5 years old
Bharti AXA Car Plan Upto 7.5L for third party property damage 2300 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • Consumables
  • NCB Protector
  • Hydrostatic Lock Cover
  • Invoice Cover
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Receive Instant Claims Assistance updates on your motor claim status through 24×7 call-centers.
  • ZD and RSA plans available for vehicles upto 5 years old
  • Consumables, NCB Protector and Invoice Cover for upto 2 years old vehicles
HDFC Ergo Car Insurance Plan Upto 7.5L for third party property damage 3000 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • Engine Protector
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Unlimited claims for ZD plan in a year!
  • Occupation and Age discounts available
  • Comprehensive support through our dedicated customer support team
  • ZD plan available for vehicles upto 5 years old; require previous insurance also to have ZD
    Engine Protector is available for vehicles upto 2 years old
Future Generali Car Insurance Plan Upto 7.5L for third party property damage 1000 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • Key & Lock Replacement
  • Loss of Personal Belonging
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Laptop and Mobile phone theft is covered with Loss Of Personal Belongings cover!
  • Add on covers available for vehicles upto 5 years old
IFFCO Tokio Car Insurance Plans Upto 7.5L for third party property damage 2000 and more
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Large fleet of trained in-house Surveyors utilized for immediate attending to claims.
  • Usage of online e-survey claims module by both in-house and external Surveyors, for lowest TAT in claim settlement.
  • Usage of online e-survey claims module by both in-house and external Surveyors, for lowest TAT in claim settlement.
L&T Car Plans Upto 7.5L for third party property damage 2000 and more
  • Zero Depreciation (ZD)
  • NCB Protector
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • No inpection required for expired policies#
  • Survey within 4 working hours of claim intimation if the vehicle has reached a workshop
  • Upto 56 days from policy expiry
Liberty Videocon Car Insurance Upto 7.5L for third party property damage 1900 and more
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Claim settlement within 7 working days.
  • Swift telephonic service for effective claims support & assistance even on Sundays & holidays
New India Assurance Car Insurance Upto 7.5L for third party property damage Your local branch will help you with claim settlement
  • Zero Depreciation (ZD)
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Swift claim settlement process
Reliance General Car Insurance Upto 7.5L for third party property damage 2300 and more
  • Zero Depreciation (ZD)
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • RSA plan included in all policies by default
  • Avail 24×7 instant roadside assistance through Anywhere Assist App
  • Quick and hassle-free settlement for your motor insurance claims
  • RSA plan available for vehicle upto 3 years old
Royal Sundaram Car Insurance Upto 7.5L for third party property damage 3300 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • NCB Protector
  • Windshield Cover
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • RSA plan included in all policies by default
  • Instant Policy Issuance
  • Speedy authorization of repairs to get the car back on road quickly.
  • NCB Protector cover given to new cars or old cars with at least 20% NCB
  • Add ons available for cars upto 3 years old
  • ZD claims can be taken 4 times in a year
Tata AIG Car Insurance Upto 7.5L for third party property damage 1500 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • Key & Lock replacement
  • Loss of Personal Belonging
  • Hotel & Travel
  • Expenses PA for Passenger
  • Electrical and Non Electrical Accessories
  • Hotel & Travel Expenses covered in case of breakdown/accident
  • Laptop and Mobile phone theft is covered with Loss Of Personal Belongings cover!
  • ZD is available for cars upto 5 years old
Universal Sompo Car Insurance Upto 7.5L for third party property damage 1100 and more
  • Zero Depreciation (ZD)
  • Roadside Assistance plan (RSA)
  • PA for Passenger
  • Electrical and Non Electrical Accessories
  • Instant Policy Issuance
  • Quick and hassle-free settlement for your motor insurance claims

Most common queries answered by policybazaar, have a look before ordering your insurance policy.

What is motor insurance?

Ans:

A motor insurance is purchased for cars, trucks, motorcycles and commercial road vehicles. It is an agreement between the insurer and insured, wherein insurer agrees to give financial coverage to the vehicle and the insured in return agrees to pay premium annually.

Is it important to have a motor insurance?
Ans:

According to Motor Vehicle Act, it is mandatory that every motor vehicle plying on the road should be insured with ‘liability only cover’. It ensures that any damage done by your vehicle to another person’s property will be covered in a claim. By buying motor insurance, you can protect your vehicle from natural disasters or theft. When an insurance policy is giving you ample benefits and coverage, we don’t find any reason of not buying it.

What is a no claim bonus (NCB)?

Ans:

No claim bonus (NCB) is a discount in premium offered by insurance companies if the owner of a vehicle has not made a single claim throughout the motor insurance policy term.

What is a cover note?
Ans:

A cover note is a temporary insurance proof which is issued to a policyholder before the issuance of actual insurance document. A cover note is valid for 60 days from the date of its issuance and is replaced by an original insurance document.

What information do I need to submit to buy motor insurance online?

Ans:

For buying a policy online no documentation is required whatsoever. However, it is advisable to keep the previous insurance policy and RC handy at the time of buying the policy so that all information can be updated correctly in the policy form.

Is there any specific exclusion in motor policy?
Ans:

Motor insurance policy doesn’t offer coverage in following situations-

  • Normal wear and tear
  • Loss or damage caused to the vehicle due to depreciation
  • Electrical and mechanical breakdown of a vehicle
  • Any accident outside the geographical location
  • Driving without a license
  • If a person is driving under the intoxication of drug/drugs
  • Vehicle not being used for purpose mentioned in the document

Damage caused due to nuclear fission, war invasion

What is IDV (insured declared value)?
Ans:

IDV (insured declared value) is the maximum amount to be paid by an insurer at the time of a claim if the vehicle is a total loss or stolen. It is the sum insured and is fixed at the commencement of the policy period for each insured vehicle.

How IDV is calculated?

Ans:

An IDV is calculated on the basis of the manufacturer’s listed selling price of the brand and model, which will include local duties/taxes, excluding registration and insurance.

Different depreciation slabs for arriving at IDV are detailed below:

Age of the vehicle Depreciation value in %
Not more than 6 months 5
More than 6 months but below 1 year 15
More than 1 year but below 2 years 20
More than 2 years but below 3 years 30
More than 3 years but below 4 years 40
More than 4 years but below 5 years 50

For those vehicles which are obsolete or aged over 5 years, the depreciation applied varies from one insurer to another.

What is compulsory excess?

Ans:

A compulsory excess is an amount that your insurance company has decided that you will pay at the time of claim settlement. The amount varies on the basis of cubic capacity of the vehicle. For sub 1500 cc vehicles, it is Rs 1000, for vehicles above 1500CC it is Rs 2000.

Is it possible to pay premium for the auto insurance in installments?
Ans:

No, Insurance Act 1938 does not allow you to pay premium for the auto insurance in installments. If you buy online, you can use credit card to make the entire payment and then payback it to the credit card company in installments.

How do I change the registration address or vehicle information on the insurance policy?

Ans:

For any change in registration address or vehicle information, you need to submit RC copy along with a request letter. Any change will be done by an endorsement by the insurance company. For some endorsements, a policyholder may need to pay additional premium.

What documents do I need to submit at the time of claim?
Ans:

You may need to submit duly filled claim form along with following documents-

  • A copy of the vehicle’s registration number
  • A copy of the driving license of the person driving the vehicle at the time of an accident along with the copy of the driving license of the person in whose name the RC and insurance is.
  • Estimate repair cost
  • A copy of FIR incase of theft or third party personal injury, death or property damage

If the insurance company’s share is more than 75% of IDV, it is called total loss. You may need to submit additional documents to initiate claim proceedings at the time of total loss-

  • RTO transfer paper
  • Original RC copy
  • Vehicle’s original keys
  • No objection certificate from insured for the transfer of a vehicle

Letter of indemnity on judicial stamp paper

What is total loss of a vehicle?

Ans:

Total loss means accidental damage to a vehicle where insurance company’s share is more than 75% of the IDV.

What is voluntary deductible?
Ans:

Voluntary deductible is the minimum amount that you agree to pay at the time of claim. For instance, if your total claim amount is Rs 10,000 and you agree to pay Rs 5000 of your claim in addition to compulsory deductible, then it is called voluntary deductible.

How can I add/delete hypothecation in my motor insurance policy?

Ans:

Hypothecation is used for creating charges against the security of movable assets. The possession of goods remains with borrower. For instance, in car loan, vehicle remains with the borrower but the ownership is hypothecated to the bank. It means bank has a right to sell the vehicle if there is any default in repaying car loan.

  • To add hypothecation in motor insurance policy: Letter from the bank or financer/endorsed RC copy has to be submitted at the office of insurance company.
  • To delete hypothecation in motor insurance policy: No objection certificate (NOC)/endorsed RC copy has to be submitted at the office of insurance company.

In case of a hypothecated vehicle, it is important to obtain NOC from the financer if the payment has to be obtained by the insured. Otherwise claim amount will be paid to the financer for losses other than theft.

If my NCB has been earned in a foreign country, will it still be applicable in India?

Ans:

Yes, it will be applicable in India. However, the policy must be issued by a reputed foreign insurance company and a proof of the same is required to submit with the new insurance company.

What are the risks covered by the comprehensive insurance policy?
Ans:

Your comprehensive insurance policy covers-

  • Liability to third party
  • Accident by external means
  • Fire, explosion, self ignition, lighting
  • Riots, strikes, terrorism, malicious acts
  • Earthquake, flood, storm, landslide
  • Transit by rail, road, waterways, air or lift

Burglary, theft or housebreaking

Am I eligible to get NCB on expired policy?
Ans:

You will be entitled to get NCB on expired policy if you will renew it within 90 days of the expiration.

What is cashless facility?

Ans:

Cashless facility means you don’t need to pay anything for repair work and your insurance company will directly pay it to the garage. If you have signed up for the cashless facility, all you have to do is take your vehicle to the preferred workshop of the insurance company. The workshop will contact the insurer and settle the claim.

What to do if the insured vehicle meets with an accident outside the city, area or state from where the policy is issued?
Ans:

You should immediately inform the insurance company. If you don’t know the contact number then you should search for the local office of the company. If there is a local office then intimate the claim to the company. If somehow you are unable to contact the company or trace its local office, you should click pictures of the accident spot and vehicle. If the loss is major and involves third party damage, lodge FIR immediately.

What documents do I need to submit as a proof of no claim benefits (NCB) at the time of policy transfer?

Ans:

You are required to submit a renewal notice from your previous insurer. If this doesn’t state your (NCB) entitlement or if it is not given to you by the company then call your insurer and request confirmation of your (NCB). Alternatively, you can submit your previous insurance papers and declaration that you are entitled to receive (NCB). However, if you are not eligible for NCB and wrongly claimed for it then the insurance contract is void ab initio and the insurance company reserves all rights to reject your claim.

What is break in renewal policy?
Ans:

Break in renewal policy is one of the simplest options available in the market to renew your lapsed policy. It means you can renew your expired policy without any inspection and documentation. It is not only hassle free but also a great money saver technique.

Why should one have a comprehensive insurance policy when law mandates insurance only for 3rd party injury, death or property loss?

Ans:

Although law mandates insurance policy for 3rd party only but it is strongly advised to buy a comprehensive insurance policy that protects your vehicle from man-made or natural calamities. With comprehensive cover, you can claim from your insurer for accidents or damages caused to your vehicle. In the absence of comprehensive cover, you need to foot the entire bill on your own.

Thus, with comprehensive insurance policy on your side, you get complete peace of mind that whatever happens to your vehicle on the road, your insurance company will share your financial losses.

Under what circumstances, an endorsement is issued?

Ans:

An endorsement is a written proof of an agreed change to a policy wording. If a customer wants to make any changes to the policy, he needs to approach the insurance company to make it effective. This is done by an endorsement.

Insurance company may also issue an endorsement at the time of policy issuance to provide additional coverage or to impose restrictions. An endorsement may also be issued subsequently to record changes like change in name, address, etc.

What are types of endorsements and what are the different documents that are required for each endorsement?

Ans:

Below are some common types of endorsements issued by an insurance company along with documents required for them.

Endorsement Situations Covered Additional Premium Requisite documents
Premium bearing endorsement Transfer of ownership Yes · Copy of Registration Certificate (RC), Form 29 & 30 along with seller’s request letter for ownership transfer

· Duly filled proposal form and signed by new owner along with the original policy copy

· Request letter signed by new owner for changing ownership

Addition of electrical & non electrical items Yes · Copy of RC

· Invoice copy of all accessories

· Request letter for the addition of accessories

Addition of LPG/CNG kit Yes · Copy of RC

· Invoice copy of kit

· Request letter for the addition of kit

Change of RTO location If applicable · Copy of RC

· Request letter for changing RTO location

Non-premium bearing endorsement Correction in chassis/engine/registration number No · Copy of RC

· Request letter for making changes