Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Cost-Effective Ways To Maintain Your Car

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    Car repairs contribute to a lot of financial stress in an average Indian household. Repairs on one’s vehicle are difficult to predict. And when the car owner also has to bear the cost of routine maintenance, the costs can quickly add up.

    Here we elaborate on a couple of things you can do to keep your car maintenance and repair expenses to a minimum.

    1. Choose the car type carefully - The cost of maintenance of your vehicle largely depends on the type of car itself. For instance, cars that are locally assembled usually have lower cost of maintenance. On the other hand, luxury cars and imported vehicles have high repair/maintenance costs.
    2. Have knowledge about average repair costs - Several studies have found that car owners can get significant discounts on repair costs just by being knowledgeable of the average costs in the market. This way they will be able to bargain and bring down the quoted price. So, it is imperative that you do a good amount of research on car maintenance and the costs involved before you actually approach a service centre.
    3. Approach a trustworthy mechanic - It is useful to be acquainted with a good mechanic who does not indiscriminately charge high costs for repair/maintenance work. It is best to get feedback from family members or friends; you can even check online reviews for reputable garages.
    4. Find discounts on car repairs - When getting your tyres replaced or brakes checked, you can receive discounts by searching online for such benefits. Several dealerships have year-end discounts on car maintenance/repair which are usually clubbed with a car purchase. In case you are looking to buy a new car, take advantage of these discounts.
    5. Second opinion matters - Similar to the case of a major surgery, a second opinion can give a lot of reassurance before you undertake a major repair work on your vehicle. For instance, if you have been advised by a mechanic to replace the engine, you can always approach another authorised service centre for their feedback.
    6. Service your car as needed - It is important to keep your car in good shape but not all services are mandatory. The user manual of your vehicle will have a maintenance schedule that points out when the vehicle should undergo servicing.
    7. Be an informed customer - You should be able to understand the amount of repairs suggested by the mechanic. You can ask a lot of questions in this regard, and even go to another service centre if something doesn’t feel right. Extra attention to details will only be beneficial to the car and your finances.

    The Significance Of Preventive Maintenance:

    It is advisable to do regular preventive maintenance on your vehicle to save a lot of money in the future. However, this is usually a grey area for many car owners, particularly the new ones. Not everyone is clear on what preventive maintenance is, when it should be done, and how one can do it. Listed below are some preventive maintenance techniques using which you can keep your ride in top condition:

    • Read the owner’s manual - As indicated above, your vehicle maintenance schedule will be within the owner’s manual; so you should read it carefully. You may also find the manufacturer’s recommendations on the frequency of change in oil, timing belts, filters, and more. Remember, if you do not follow the recommendations from the car manufacturer, your warranty may be voided and you may incur heavy expenses for the repair of your vehicle.
    • Learn the basics of inspection of your vehicle - It helps a lot if you are able to handle small repair work on your car by yourself. Learn to check the air pressure in the tyres, listen for strange sounds from the inside, and check for anything else out of the ordinary. Monitoring your car’s fluids/oils, inspecting the battery, and checking the timing belts are crucial in ensuring that your vehicle is in good condition for longer. In case your windshield wipers are worn out, get them replaced - this is something that does not cost much and can be done easily by yourself. Monitoring the air filters and spark plugs are also tasks that should be done regularly.

    There are certain things you can do yourself to maintain your car well. However, when you find bigger issues, it is best to consult a professional without too much of a delay.

    Delaying the repair of obvious issues, leaks, or sounds will certainly increase your expenses down the line. Similarly, you should not delay in getting your car insurance renewed, as a break in insurance can amount to significant losses in the future.

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I had a claim experience once. It was amazing experience. I was just submitted the cocuments in the dealer and they have taken care of all the things. They have given the 100% coverage value. I have started using this HDFC ergo car insurance for past 1 year. I have paid a premium amount as Rs. 40000. I never interacted with the customer care services.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Tata AIG Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with TATA AIG general insurance,i got insurance through my agency, and i am not aware about premium amount it on yearly, It is a easy process, I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from long time, i got this insurance through showroom as agent himself gave this insurance, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Reliance General Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with Reliance general insurance from last 1 year, a premium of Rs 24795 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My car insurance was offered by the Tata Showroom when I purchased a car. I have paid 24,000 rupees to purchase the policy for 2 years. They are giving bumper to bumper offer for one year and IDV for 2 years. I am happy with the service and policy. I have received the insurance papers on time.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • review Car Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a car insurance with Kotak Mahindra . The services are good. Its a one year policy. It was included on the loan so don't know the premium. I don't have any claim experience. It was taken in May 2013 and it was renewed with the third party. The policy coverage is very good. There is no bumper to bumper offer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Car Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I hold a car insurance with HDFC ERGO from last 1 year, a premium of Rs 12200 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation. My claim experience was not good, the bill amount was for Rs 40000 but they covered only Rs 26000. There was no cashless garage facility provided.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 15, 2018
    • National Insurance Car Insurance
      "Good insurance for car"
      0.5 5.0/5 "Blown Away!"
      When i purchase my car, they have provided the car insurance policy with National and they have charged me a premium amount of Rs. 14000. I have taken a one time claim. The claim experience was very good. They have given me a claim amount of Rs. 11000. The claim was fully cashless covered. I pay for the consumable items
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • New India Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My Maruthi Swift car got the insured declared value of Rs. 5 lakhs with New India company. I have comprehensive plan with bumper to bumper it covers loss, damage, accidental cover with life cover for the driver for maximum of one lakh. If we pay Rs.50 rupees extra with the premium.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 12, 2018
    • National Insurance Car Insurance
      "Good Policy for four wheeler"
      0.5 5.0/5 "Blown Away!"
      National insurance is good, I have been holding the car policy with them around one year. My car showroom person have suggested this policy, I got better insured declared vehicle. Its new car brand swift dezire with bumper to bumper protection.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 09, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The dealer have suggested the IFFCO TOKIYO car policy, I got the better IDV value for bumper to bumper zero depreciation plan. I got the policy documents on time, I had a claim once, I directly approached the dealer they taken money from the cover. But I have paid 20 to 30% of amount according to the parts which was not covered.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 05, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the card insurance where i have a good experience with this policy. I have experienced with the claim which is reimbursement and i got no complete claim. The policy coverage is for basic but the premium and the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the two wheeler policy with the UNITED INDIA INSURANCE and i am using it from past three years where i am facing with no issues with this policy. I have no claim experience added on that the premium and also the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • Reliance General Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      When I purchased a car, the showroom has offered me a car insurance with Reliance. I have paid 12,000 rupees for this policy. The customer support is excellent. The claim experience is excellent and have applied for accidental claim, It was approved within few more days, zero depreciation was provided, All items been replaced of the car.The policy coverage is good, bumper to bumper offer is available. Every year am renewing my insurance only with RELIANCE.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have compared in online for car insurance and gone for HDFC Ergo. The top one is Reliance and HDFC, though reliance is providing more benefits since I know HDFC is very well so opted for HDFC Ergo. It is a easy process. No claim gone till now. I have paid 12K to purchase and bumper to bumper offer is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 02, 2018
    • Liberty Car Insurance
      "Hopeless company"
      0.5 1.0/5 "Really Bad"
      They have literally detrayed me when i apply for a claim. There are some issue with the policy documents itself. When I met with an accident they said they will process the claim. After 3 days they said there is an issue with the policy. I called the customer care service but no one was picked up the call. After 4 days, they have issued the new policy and i got the car after 7 working days only from the garages.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Superb Policy"
      0.5 5.0/5 "Blown Away!"
      I selected Bajaj Allianz for my car. I chosen the company because of the lower premium rates. They have sent all my documents to my residential address. They do have regular follow up with the customer regarding the car insurance. I never had any issues with this policy. I pay the premium amount of Rs. 6300 and i have not availed the bumper to bumper facility. They have provided me the no claim bonus upto 50%.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 01, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance policy with HDFC ERGO from last 1 year, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance policy with Bajaj Allianz and i have taken this policy for 2 years. A premium of Rs 17000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , nellore
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO from last 1 year and it is a good insurance policy. I pay a premium of Rs 5000 for this car insurance policy. I have no claim experience so far with this car insurance policy. This policy covers only bumper to bumper damage.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 31, 2018
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