Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Car Insurance Gurgaon

Gurgaon, a thriving industrialized city was barely known twenty years before. Due to many reasons, one being its close proximity to the national capital, Gurgaon has developed tremendously in the past 2 decades. It is now littered with swanky malls, expansive golf courses and showrooms of world famous brands such as Gucci and Louis Vuitton. BMWs and Mercedes-Benzes glisten in automobile outlets. Apartment buildings sprout endlessly like concrete wildflowers, and a high-tech commercial center by the name Cyber City is home to some of the most reputed conglomerates in the world. With its glossy high-rises and high-flying economy, Gurgaon is often seen as the representation of a Rising India. Yet it also portrays an enigma: how can a new metropolitan be a global economic engine?

It is all thanks to the Automobile & IT boom. Since the past decades, Gurgaon automobile industry has progressed at an incredible pace. And hence amongst the wholesale customer merchandise provided by most insurance providers, car insurance is the most complex in terms of the sum of variables with an effect on the final premium. Gurgaon car insurance dealers are competing to offer clients a user friendly method where the owner can compare car insurance premiums and rates levied by various insurance corporations for the vehicle of his/her choice.

The auto insurance premium generally comprises of three parts
  1. Own Damage (usually more than 90% of the paid premium)
  2. Third Party (in case of damage to property of a third party or injury to the third party or both)
  3. Personal Accident cover
Factors that define the premium levied for vehicle insurance:
  1. Location Location Location:
  2. According to the Motor Insurance act, India is divided into two sectors- the biggest 8 metropolitans (Delhi, Chennai, Mumbai, Hyderabad, Bangalore, Pune, Ahmedabad, and Kolkata) compile one zone and the remaining cities form the other. Premiums are generally higher for insurances for cars registered in these cities. Since Gurgaon belongs to the second zone, despite being a metro with an alarming accident rate, the premium paid will be lesser. Some motor insurance companies are looking to refine this list as reports of theft and motor accidents from Gurgaon continue to escalate.

  3. Car Engine CC:
  4. Vehicles with better engine displacement, called as CC, have a higher factor for the Third Party bit of the premium payment. The sorting here is in terms of

    1. Less than 1000 cc – INR 670
    2. 1000 to 1500 cc – INR 800
    3. More than 1500 cc INR 2500
  5. How old is your car:
  6. Insurance companies permits a small reduction in the car insurance premium with age. Older the car is, lesser the reduced value. This is because the Own Damage aspect of the premium gets lesser with age.

  7. Drive Safe to get a No Claim Bonus:
  8. Insurance companies are generous towards the insured who has filed zero or fewer claims. If there has been no claims over the previous years, they can save up to 50% on the Own Damage part of the premium.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Car Insurance Gurgaon Reviews

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  • ICICI Lombard Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The car policy with ICICI lombard is good and they are economical on the cost wise, I took policy for one year I took 100% its zero depreciation. They gave me best insured value based on the age of vehicle, they have ncb features and they many service centers too.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 05, 2018
  • Iffco Tokio Car Insurance
    "The Service needs Improvements"
    0.5 2.0/5 "Expected more"
    My Car is insured with the IFFCo Tokyo, they say that they have all kind of facilities during the purchase but two times when the situation called there were no assistance at all. I called their emergency number and nobody was there for my help which was not a happy experience.
    Was this review helpful? 1
    , gurgaon
    Reviewed on Aug 29, 2018
  • National Insurance Car Insurance
    "Good Service so far"
    0.5 4.0/5 "Great!"
    My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
    Was this review helpful? 2
    , gurgaon
    Reviewed on Jul 14, 2018
  • Bajaj Allianz Car Insurance
    "Good Service so far"
    0.5 4.0/5 "Great!"
    My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 11, 2018
  • Bajaj Allianz Car Insurance
    "BETTER BUT NOT BEST"
    0.5 5.0/5 "Blown Away!"
    I am holding since 2 years. It is a paperless approval. The premium is 12k and it is best one that i am getting the premium. They gave the 0 dep. The premium is low and the IDV value is high. I had a claim experience with my car insurance which is a good.
    Was this review helpful? 1
    , gurgaon
    Reviewed on Jun 23, 2018
  • New India Car Insurance
    "Good policy"
    0.5 3.0/5 "Satisfactory"
    I have taken the car insurance from NEW INDIA ASSURANCE. The premium is 22000 for an year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well.
    Was this review helpful? 0
    , gurgaon
    Reviewed on May 14, 2018
  • Oriental Insurance Car Insurance
    "Good car policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance with ORIENTAL INSURANCE and the premium which i am paying is 14000 which i have to renew yearly.The benefits include bumber to bumber, road assistance, cashless and accidental insurance as well. I don't have any claim experience but its a good policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Apr 18, 2018
  • review Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I have my car insured with Kotak Mahindra general insurance from last 1 year. This insurance policy covers only bumper to bumper damages and i do not have any claim experience so far with this insurance. The premium amount of this insurance is more than 7000-8000.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Apr 11, 2018
  • Oriental Insurance Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have insured my four wheeler with the Oriental insurance company and the customer service is okay with them. I would like to say that the coverage value is around 4 lakh Rupees and the response features are not aware by my end.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Feb 07, 2018
  • National Insurance Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    When I purchased a new car that time the dealer has offered me a insurance with National Insurance. The customer service was good. I don't have any claim experience till now. I have taken a zero depth policy. This is the first time and I don't have much experience.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 19, 2018
  • Chola Ms Car Insurance
    "They should be little proactive"
    0.5 3.0/5 "Satisfactory"
    When my car met with an accident, at the time Cholamandalam were not supported to get the claim, they taken long time to reimburse the money. I am not fine with them, I paid the premium around Rs. 6 to 7k for it has one year for my I10 car. It would be great if they provide fast service.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 13, 2017
  • Reliance General Car Insurance
    "Recently Taken Insurance"
    0.5 2.0/5 "Expected more"
    I took this Insurance with Reliance and it would be a little early to give a review about it. I have been pretty decent amount as a premium and the coverage they are offering are pretty decent. I can check my Insurance scheme online itself through the website.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Nov 24, 2017
  • Iffco Tokio Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    My premium for car insurance is around Rs.20,000 from Iffco Tokio, I have sweden honda city card they gave me 100% of cover bumper to bumper with zero depreciation . I took the policy copy in the month of April 2017 it has the tenure of one year..
    Was this review helpful? 0
    , gurgaon
    Reviewed on Nov 24, 2017
  • Tata AIG Car Insurance
    "Average policy to use"
    0.5 4.0/5 "Great!"
    I got the TATA AIG car insurance for 2years. The customer support was very good with TATA AIG. They give on time reminders to renew the policy, the plan benefits and the coverage is good with is policy. I had taken 2 claims with TATA AIG . They have not considered that because of the policy norms.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Oct 31, 2017
  • review Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Got Kotak mahindra general insurance policy for my car. I got it around 4 months ago. I paid Rs,26,000 to renew the policy with kotak . The plan benefits and the coverage is good with this policy, the customer support is good with kotak . I never had any claim experience with this policy
    Was this review helpful? 0
    , gurgaon
    Reviewed on Oct 31, 2017
  • Bajaj Allianz Car Insurance
    "Good Policy to use"
    0.5 4.0/5 "Great!"
    I would say bajaj allaince give a better policy for the car, I got it around 3 months ago, the customer service is good with bajaj. I never had any kind of claim experience. The policy coverage is good with this policy and the cashless garages options are good with this policy,
    Was this review helpful? 0
    , gurgaon
    Reviewed on Sep 29, 2017
  • Bajaj Allianz Car Insurance
    "Likable insurance company"
    0.5 5.0/5 "Blown Away!"
    I have the car , which got insured with the Bajaj Allianz general insurance company. I got the more coverage through and the premium is more. I have not faced any claims with them till now, also they have provided coverage for engine too, which is really odd in other competitors.
    Was this review helpful? 0
    , gurgaon
    Reviewed on May 16, 2017
  • review Car Insurance
    "Its good for the car"
    0.5 5.0/5 "Blown Away!"
    I am paying premium of Rs.9800 on annual basis its cover for the entire year, Bharti Axa insurance gives the policy coverage of 100%. I had taken this policy through their website and I had made the online payment and I had got the policy copy from them on time.
    Was this review helpful? 0
    , gurgaon
    Reviewed on May 11, 2017
  • HDFC Ergo Car Insurance
    "Good "
    0.5 4.0/5 "Great!"
    I am having car insurance policy with the HDFC ERGO general insurance company and the total coverage value is around ex-showroom price of car, also I have not faced any claims with them. They have given me the receipt within two days of time. They have provided the zero depth coverage policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Apr 11, 2017
  • review Car Insurance
    "Good coverage"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance from Bharti Axa, I had paid a premium of Rs. 10,000 for a tenure of one year, They had offered me a policy coverage of 100% on the car value. I paid the payment through online, I found this is the best and the most trustable amongst all the other insurance provider.
    Was this review helpful? 1
    , gurgaon
    Reviewed on Mar 04, 2017
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