Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Carry All Your Documents When Going On A Long Drive

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    A lot of us who live in the urban jungle often look forward to taking a long road trip away from the noise and stress of the city. It could even be an impromptu plan that involves a picnic with your special someone. Before we head out of the city, we generally go about making a checklist of the essentials that we may need on the trip. This could include your mobile phone, music, maps, snacks, etc. But what about the documents of your car and insurance policy? A long road trip can be a therapeutic experience, but, on the flip side, it can also be quite an ordeal if you are stranded, away from home, without any documents related to your vehicle.

    An experienced traveler will tell you that it is very important that you carry your vehicle documents when travelling on the road. There are general inspections carried out at state borders and highways, during times of riots, or the police could even stop you for an inspection. You might get stopped for breaking a traffic rule and the police have every right to ask you for the documents of your vehicle. It is a good habit to carry all your documents needed when you travel on the road. There is no need to put yourself in a tough spot when you’re far away from home and help isn’t easily available.

    Let us take a look at the important documents that everyone should carry with them when on a road trip or a long drive:

    • Registration Certificate of your vehicle: The Registration Certificate (RC) of your vehicle is the most important document that you should carry when on the road. The RC book is an official document that provides proof of registration of the vehicle that is driven. The RC book contains technical details about the vehicle such as vehicle number, chassis number, address of the owner, etc.
    • Pollution Under Control Certificate: A Pollution Under Control (PUC) certificate is an important document to carry when travelling on Indian roads. Every vehicle emits smoke and gases that are a product of fuel being burnt within the engine. These gases need to undergo a stream of filters that clean them to ensure that no harmful or pollution causing gases are emitted out into the atmosphere. A PUC certificate can be obtained at any computerized facility that is authorised to issue the certificate. These facilities are commonly found at petrol bunks and workshops.
    • Driving Licence: A driving licence is an official document that is issued by the Regional Transport Authority/Offices (RTA/RTO) to people who clear the driving test. This document is important to carry when travelling on a long road trip and also acts as an identity card. Another point to keep in mind is that it is illegal to drive on Indian roads without a valid driving licence. This is also one of the first documents that officials ask for if you are stopped on the road by the police.
    • Certificate of Insurance: Every vehicle that plies on Indian roads has to have an updated insurance coverage for the vehicle. This was mandated in 1988 by the Motor Vehicle Act. This applies for both cars as well as two-wheelers. According to Rule 141 of the Act, an insurance agency will provide a Certificate of Insurance for your vehicle which will contain the particulars pertaining to your automobile. A copy of this certificate can be carried in the vehicle while it is advisable to leave the original at home or at the office. Apart from inspection or spot checks, you will require the details of your insurance policy in case your vehicle breaks down. Without these details, seeking help from the insurance company becomes quite a hassle.

    Each one of us deserves a break from our daily life to recharge our mind and spirits. Therefore, don’t spend time on your drive calling home to find out details about documents that you should have been carrying. You don’t have to shell out any holiday money as fines if you carry all the documents mentioned above. Most importantly, you get to keep your vehicle as officials can sometimes impound your vehicle if you do not carry these important documents.

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

    Claim Reviews

  • Page 1 of 50 1 2 3 4 5
    • Royal Sundaram Car Insurance
      "Good Product"
      0.5 4.0/5 "Great!"
      For my Maruthi car I took Royal sundaram general insurance through dealer I have approached the premium is reasonable, I don't think its a comprehensive plan. Once I had claim I met with the accident, there was a car damage, they gave 70% of claim, remaining I paid from my end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I had a claim of 44k with the SBI GENERAL INSURANCE where i have taken the card insurance and the claim is of reimbursement and i got within the one day. The premium is nominal and the IDV is nominal. The coverage is for bumper to bumper. The process is good with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • 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
    • Bajaj Allianz Car Insurance
      "Good claim process with fast service"
      0.5 4.0/5 "Great!"
      The premium amt is good in Bajaj Allianz and economical too, I paid Rs. 25k for one year. I have Hyundai I ton card its 3 years old, they gave me best insured declared amount, I got the papers on time, my claim exp is good, car got damaged and replaced and gave it on time, even they have lined with many service centers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2018
    • ICICI Lombard Car Insurance
      "Quick policy"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the policy for 4 years with ICICI Lombard. The policy was given by dealer when i purchase the policy and i'm continuing the policy without any reason. The claim experience was fine. I have got the coverage amount of Rs. 9 lakhs and i have got the claim amount of RS. 40000. This policy covered with bumper to bumper facility. I have got the claim within 5 days.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2018
    • Universal Sompo Car Insurance
      "Good Car Insurance policy"
      0.5 5.0/5 "Blown Away!"
      My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 03, 2018
    • Bajaj Allianz Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Cost of the car policy is good in Bajaj Allianz. I have Maruthi card they best insured value based on the age. I don't have any claim experience. The insurance company gave me Rs. 2.5 lakhs for one year, third party cover and personal accidental cover is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 03, 2018
    • New India Car Insurance
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      In 10 years of experience I didn't face any claim. I have wagon R, the premium cost was economical, I paid around Rs. 5000 for one year, they gave me the comprehensive 100% protection plan, they got tie up with the dealer and they do have ncb features.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 03, 2018
    • United India Car Insurance
      "Good car insurance policy"
      0.5 5.0/5 "Blown Away!"
      Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 03, 2018
    • ICICI Lombard Car Insurance
      "Better"
      0.5 4.5/5 "Excellent!"
      My car insurance was taken with ICICI Lombard and it was offered by the showroom. They are giving zero depreciation and don't know about the other offers. The premium is included in the car price. The customer service is good. They have sent the insurance papers on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Car Insurance
      "Value of money"
      0.5 4.0/5 "Great!"
      4 years back, i have bought my car insurance policy with Bharti Axa. Somebody suggested me about this car insurance policy. The premium amount is less comparatively less when i compared with other companies. I'm happy about the coverage value they have provided to me. I have not claimed anything in this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • Tata AIG Car Insurance
      "Yet to experience the policy"
      0.5 4.0/5 "Great!"
      I have purchased the TATA AIG car insurance 6 years ago. I have selected the TATA company because of the brand value. I'm not sure about the bumper to bumper facility. I have got the benefits of no claim bonus, cashless garages. I never interacted with the customer anyway I'm satisfied with the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • ICICI Lombard Car Insurance
      "Good experience with ICICI Lombard"
      0.5 4.0/5 "Great!"
      My car insurance was taken with ICICI Lombard. I never interacted with the customer care. I had a claim experience with them and the certain parts are not covered however the coverage value was good. They are given me a bumper to bumper coverage. They have given no claim bonus when i have not claimed anything before.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • United India Car Insurance
      "No claim experience in United India"
      0.5 4.5/5 "Excellent!"
      When i purchase my car, bank has given me a United Car Insurance. There is no much difference between this policy and others. The premium amount is less since its provided by the bank people. I paid the premium amount of Rs. 24000. 10 years back, i have purchased this policy. They have given me a 100% coverage value. I have not claimed anything in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 02, 2018
    • Tata AIG Car Insurance
      "Good Car Insurance policy as of now. "
      0.5 4.0/5 "Great!"
      My car insurance policy was taken with TATA AIG. My friend has recommended me about this policy. He has taken care of all the details of the policy. I have been renewing the policy for last 9 years. I never interacted with their customer since i don't require it. I had no claim experience till now. They have offered me a coverage value of Rs. 6.25 lakhs. I have got a no claim bonus.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 02, 2018
    • National Insurance Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I think I paid the premium around Rs. 28,000 for IDV value of Rs. 3 lakhs for the tenure of one year. I have model of maruthi swift its 2015 model, it has bumper to bumper coverage, its protects only for my car. They will provide no claim bonus on next year.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 01, 2018
    • ICICI Lombard Car Insurance
      " Good Experience and hassle free"
      0.5 5.0/5 "Blown Away!"
      The ICICI lombard premium amount is economical I Have taken the policy for one year. I took the comprehensive plan with fist party accidental, it also cover loss, damage etc. I got the policy documents on time. faced claim, I went to the showroom they taken the documents, I just dropped my car to the dealer I paid 1000 at the time of billing , they completed all the process, delivery time is low.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 01, 2018
    • review Car Insurance
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance with Kotak Mahindra general insurance from last 1 year, there was no cashless garage facility given at the time of claiming. The coverage value was good, the bill amount was for Rs 21000 out of which i paid Rs 1000. I pay a premium of Rs 13000 for this car insurance which has full coverage with 0% depreciation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 01, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      I hold a car insurance with HDFC ERGO from more than 1.5 years, a premium of Rs 5000 has to be paid for this insurance policy every year. I did not claim anything so far from this insurance policy. They cover bumper to bumper damage for this car insurance.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 01, 2018
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