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

Important Things To Know When Applying For Car Insurance Online

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According to the Motor Vehicle Act 1988, any four-wheeler vehicle that is driven on Indian roads should be insured. A car insurance policy acts like a safety net for your car. This basically means that any expenses that you incur if you meet with an accident or if your car is stolen are covered by your car insurance policy. Generally, automobile dealers will offer insurance covers when you pick up your new vehicle. But, there are times when you will find a better car insurance package at an insurance agency or online.

Physically running from one insurance company to another can be quite stressful and tiring. In this age where most of us purchase a number of different products online, insurance agencies have now begun to offer car insurance policies online. This proves to be quite beneficial for insurance companies as this move allows the agencies to reach out to a larger group of people to sell their products to. We also end up saving a lot of our valuable time as we do not end up spending a lot of time stuck in traffic or queues at banks.

Let us take a look at some of the benefits of picking up a car insurance policy online:

  • No payments to broker: As you are procuring your car insurance online, you do not have to pay any broker charges as there is no broker involved in the purchase of the policy. This is one of the best advantages for people looking to pick up a good car insurance policy and save money at the same time. Therefore, dealing with the insurance agency directly will help save money that would have gone towards unnecessary costs.
  • Time saving: One of the major benefits of picking up a car insurance online is the use of the internet to do so. This means that you can get all the information that you will require and pick up the best suited policy for you which meets your every need and requirement. You can also visit an insurance portal like bankbazaar.com which provides a vast ocean of information related to different car insurance policies offered by various insurance agencies. You can also renew your policy online without running to an insurance company to do so. A lot of time gets saved on travel and talking to an agent about the right policy that you desire.
  • Compare and manage: There is a large variety of different car insurance policies that are offered to people with cars. Now, with this plethora of information that has been made readily available on the internet, it is wise to compare different insurance policies before purchasing a car insurance policy. An individual does not have to visit every insurance agency and find out about the car insurance policies that they offer. Instead, an individual would only have to go online and visit the official website of an insurance agency.
  • Exciting deals and offers: Car insurance agencies tend to offer attractive offers and riders along with their products to draw a larger customer base online. You can also research and find the best suited insurance plan that meets all your requirements. Insurance portals that have tied up with car insurance companies also offer attractive offers and deals online.
  • One minute policy: After you have chosen a policy and you have completed filling and submit all documents that have been asked for, the policy documents will reach your email within a minute. You can take a print out of the policy to keep a physical copy with you. Physical copies of the policy will also be mailed to your registered address.

There are a lot of people who are sceptical about picking up a car insurance policy online. You need not worry. There are a lot of security features that have been implemented in insurance websites and insurance portals partner with well-known insurance companies only. So in this way, you are not taken for a ride.

Car insurance is a safety tool that everyone should have for their vehicle. We can offset large amounts of money and can also save on expenses that would have gone towards repairs, replacements, etc. Picking up a car insurance policy online is safe, saves time, and is convenient. You don’t need anymore reasons to not pick up an insurance policy online.

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

Claim Reviews

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  • Iffco Tokio Car Insurance
    "Complete protection with Iffco Tokiyo"
    0.5 5.0/5 "Blown Away!"
    I have a car it has Iffco Tokiy policy, this is only insurance company who give zero depreciation for eight years old vehicle, the premium is decent and economical. They are good in the service, they have 24 hours of service, road side assistance and they got tie up with many centers.
    Was this review helpful? 0
    , noida
    Reviewed on Feb 23, 2019
  • Tata AIG Car Insurance
    "Unique one in the Market"
    0.5 5.0/5 "Blown Away!"
    From 2015 I am holding Tata Aig car policy for my Hyundai I20 car, the premium was economical. Last time I paid Rs. 10,000 for one year, its a comprehensive policy. My car is almost 8 years old but this is only insurance company who give zero dep for the old vehicle its a best policy.
    Was this review helpful? 0
    , vadodara
    Reviewed on Feb 23, 2019
  • Bajaj Allianz Car Insurance
    "Good benefits"
    0.5 4.5/5 "Excellent!"
    I have purchased the car insurance in Bajaj Allianz. The premium and benefits are satisfactory and have done a comparison with 4 to 5 companies and decided to go with Bajaj Allianz. The customer service was very good. The policy period is one year. It is a bumper to bumper plan.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 23, 2019
  • Reliance General Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    For my old policy I paid the amount of Rs.8000 it was comprehensive plan from front to back bumper was covered, I have chevrlot drive suv. The process was easy and I got the insurance paper from the company on time. I used to make the payment through online.
    Was this review helpful? 1
    , chennai
    Reviewed on Feb 22, 2019
  • ICICI Lombard Car Insurance
    "Better than better"
    0.5 4.5/5 "Excellent!"
    I have taken a car insurance in ICICI Lombard and till now have not compared but at the time of purchasing it was good. I have not gone for claim and there is no requirement for the customer service. I have received the insurance paper. The policy coverage is one year. It is a zero dep plan.
    Was this review helpful? 0
    , faridabad
    Reviewed on Feb 21, 2019
  • Iffco Tokio Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with IFFCO TOKYO from more than 1 year. I paid a premium of Rs 17000-18000 for first year and Rs 13000 for second year. This policy has full coverage with 0% depreciation and i have no claim experience so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • Royal Sundaram Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    For the past three years i am using the royal sundaram Car insurance , i had not gone for any claim till now and there is no issue in my vehicle . I feel okay with the royal sundaram client service .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 19, 2019
  • Oriental Insurance Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with Oriental insurance from last 1 year, a premium of Rs 5000 has to be paid for this insurance policy. There was no claim experience taken so far with this insurance. This policy has 50% coverage and i am satisfied with it.
    Was this review helpful? 0
    , ahmednagar
    Reviewed on Feb 19, 2019
  • Bajaj Allianz Car Insurance
    "I have bought my two wheeler insurance policy from Bajaj All"
    0.5 5.0/5 "Blown Away!"
    There is no reason for choosing the car insurance from Bajaj Insurance. Till now i' have not claimed anything from them. Around 3 years I've renewing the policy with the same company. I'm not sure about the premium amount i paid. I never spoke with the customer care service so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 19, 2019
  • ICICI Lombard Car Insurance
    "Very Good Policy"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy a long time back and i have been paying the premium on an annual basis. The premium amount has not been too high and the payment method is pretty simple which is done online. I had made some claims two to three times and the services where quite good.
    Was this review helpful? 0
    , pune
    Reviewed on Feb 18, 2019
  • Oriental Insurance Car Insurance
    "Good Car insurance"
    0.5 4.0/5 "Great!"
    I have bought my car insurance from Oriental company. Based on the lower premium and claim ratio, i have chosen this company. I never interacted with their customer care. I pay the premium amount of Rs. 10000. This car covered with the bumper to bumper facility.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 17, 2019
  • ICICI Lombard Car Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I got Car insurance from Icici Lombard general insurance through As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annually through online banking
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 15, 2019
  • Royal Sundaram Car Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this insurance policy a while back and the experience with them has not been that good. For making the claim it had taken almost 20 days which was not good and it was not convenient. The services of then has to be improved and their customer care has to be improved and the staffs should be more responsible.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • HDFC Ergo Car Insurance
    "Excellent Policy"
    0.5 3.5/5 "Pretty good"
    I had taken this insurance policy a long time back and i had been paying the premium on an annual basis. The premium amount was around 30,000 and the payment method has been simple. There has been a single claim which i had made so far and the services where very good and there has not been any difficulty faced.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • Royal Sundaram Car Insurance
    "Satisfactory"
    0.5 4.5/5 "Excellent!"
    I have chosen Royal Sundaram for car insurance and done a online comparison. I have received the insurance paper. The premium was reasonable and the policy period is one year. They have good garages and also they are giving me n-number of claims can be done in a year. It is a comprehensive plan.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Feb 13, 2019
  • review Car Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    I took my car insurance in Kotak General Insurance because I have account with them. The premium was reasonable. The claim experience was bit tough and it was not beneficiary. The customer service was good but need to improve the garages for cashless. The policy coverage was good but my experience was not satisfactory.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Feb 13, 2019
  • Shriram Car Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance in Shriram General Insurance before 3 years. Its not purchased based on the premium because one of my relative is working here. The customer service was good. The policy coverage is also good. It is a one year policy and first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • Reliance General Car Insurance
    "GOOD POLICY"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the RELIANCE GENERAL INSURANCE where the premium is nominal when compared to the others also the IDV value is good with this policy. They have provided the policy coverage of bumper to bumper with this policy.
    Was this review helpful? 0
    , namakkal
    Reviewed on Feb 12, 2019
  • United India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the UNITED INDIA INSURANCE where i have no claim experience with this insurance policy. I am using it since from last 3 years where the premium is lower compared to the others along with that they offers good IDV value.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 12, 2019
  • review Car Insurance
    "Smart protection"
    0.5 4.0/5 "Great!"
    My showroom guy issued car policy from Bharati Axa, I didn't compare the cost of the policy. Its zero depreciation plan, bumper to bumper protection is there. They give 24 hours service, road side assistance its all standard. With best IDV on my Honda I20 car.
    Was this review helpful? 0
    , thane
    Reviewed on Feb 12, 2019
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