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
    • Royal Sundaram Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I am having a car insurance policy with Royal Sundaram from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage for this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my car insurance with Royal Sundaram. The policy coverage is good. The premium is on the costlier side when compared to TATA AIG and ICICI Lombard. Likewise the benefits are also not up to the mark. They are not covering electric and non electric parts and plastic as well.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO for 1 year, i am happy with the policy benefits and plan coverage of this insurance policy. A insurance premium of Rs 18000 has to be paid for this insurance policy. This policy includes full coverage.
      Was this review helpful? 1
      , gulbarga
      Reviewed on Sep 12, 2018
    • Oriental Insurance Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance with Oriental insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay an insurance premium of Rs 5000 for this insurance. Customer service was good and they explained everything about the policy terms and conditions.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2018
    • Tata AIG Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My car insurance is with TATA AIG and i have taken this policy for 1 year. I have to pay an insurance premium of Rs 9000 for this insurance. They cover bumper to bumper damages and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 12, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance with Reliance general insurance for 1 year, a premium of Rs 7600 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. This policy has a basic coverage and i am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car insurance is with Reliance general for 1 year and it is a good insurance policy to use. I pay a premium of Rs 25000 for this insurance policy and it has full coverage. I am satisfied with the terms and conditions explained by the customer service of this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with National insurance for 1 year, I have to pay a premium of Rs 10000 for this health insurance policy. The benefits of this car insurance is, it is 0% depreciation and it has a full coverage. Customer service was very good and their response was on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • Iffco Tokio Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with IFFCO TOKYO and i have taken this insurance for 1 year, it is a zero depreciation and it has a full coverage. A premium of Rs 21808 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • National Insurance Car Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      My Car insured with the National Insurance. I am paying a premium of 3000, I do not have any claim experience with the policy and it offers features as cashless garage and roadside assistance. So far it has been an hassle free experience with their services.
      Was this review helpful? 1
      , lucknow
      Reviewed on Sep 11, 2018
    • National Insurance Car Insurance
      "Fraud on insurance"
      0.5 1.0/5 "Really Bad"
      Loan Acc No : 5002098252 TN22 DD 7996 Based on the guidance of the officials who works at T nagar branch, Chennai, i did the insurance. They told me hereafter insurance is to be renewed by myself as my insurance alliance with TMF was cancelled so i did insurance myself. But now they are not responding for refund my money. So please pay back my money which i have paid so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy with Bharti AXA for 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. No claim experience so far and they cover bumper to bumper damage.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO and i have taken this insurance for 1 year, a premium of Rs 21000 has to be paid for this insurance policy. The benefits of this insurance is, there is full coverage for this insurance and they can cover up to 90%.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with HDFC ERGO and i have taken this insurance for 1 year. I am not aware of the premium amount for this insurance policy. They cover bumper to bumper damage for this insurance policy and the customer service was good with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • review Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy with Bharti Axa general insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay a premium of Rs 12500 for this insurance policy. Customer service was good and they explained about the insurance in detail.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 08, 2018
    • New India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken car insurance policy with New India Assurance for 1 year, a premium of Rs 29000 has to be paid for this insurance policy. This policy covers full coverage and i am happy with the coverage value. Customer service was good as they explained about the insurance terms and conditions.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • Shriram Car Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with Shriram Finance. The services and response is good. I was able to get the policy on time and with ease. They have also provided a good policy coverage. There are good benefits like road side assistance and the premium is normal.
      Was this review helpful? 1
      , indore
      Reviewed on Sep 07, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My car is insured with Bajaj Allianz from last 10 years and it is a good policy to use. I pay a premium of Rs 5000 for this insurance policy. I have claimed this insurance 4 years back and they covered 80% and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 06, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance policy with United India Insurance from last 1 year, i am happy with the coverage value of this insurance policy. A premium of Rs 24000 has to be paid for this car insurance policy. They cover bumper to bumper damages for this car insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year and it is a good policy to use. I have to pay a premium of Rs 19000 for this insurance policy. I have not claimed anything so far from this insurance policy and they cover bumper to bumper damage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 06, 2018
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