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  • Can You Save On Insurance Premium By Purchasing One Of The Safest Cars In 2018?

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    Global NCAP is an organisation that provides ratings for new cars based on crash tests these vehicles are subjected to. The organisation has announced an award program, referred to as ‘Safer Choice’ in India. The new car in the market that conforms to the highest levels of safety will be conferred this award. The Auto Expo 2018 that showcased upcoming cars, two-wheelers, and fascinating concepts of the future witnessed this announcement.

    NCAP Tests and Rating:

    Over the past few years, New Car Assessment Program (NCAP) has tested cars made in India for the mass market and has awarded ratings to them. Most of these vehicles have scored between 0 and 4 stars. The 5-star rating has not yet been awarded to any mass-market Indian car. Some of the top-rated cars are the Toyota Etios, Volkswagen Polo, and the Tata Zest. All three cars have scored 4 stars for driver safety in the NCAP test.

    The Safer Choice award is a step forward in the campaign for safer cars in India. The progress in car safety in the country is commendable, as witnessed by the favourable ratings cars have been receiving in the last three years since the launch of the NCAP crash test results in 2014 in New Delhi.

    • When the first NCAP test result was launched in India, it showed extreme lack of safety devices in cars. Most of the vehicles tested scored 0.
    • Subsequently, automakers have made drastic changes to their models, incorporating safety measures such as more airbags and a safer package.
    • The Indian government has also leveraged safety in vehicles and will be announcing new crash regulations in the near future. The government is also looking to make Anti-lock Braking System (ABS) and Electronic Stability Program (ESP) mandatory in all cars.

    NCAP Test Parameters:

    For a car to get a 5 star classification through NCAP testing, it will have to abide by a range of parameters. These are as follows:

    • The car should get a score of 5 stars for the protection of adults.
    • The minimum score it needs for child occupant protection is 4 stars.
    • The vehicle should have ESP as a standard or an optional functionality, and ESP should be present on at least 20% of the cars in its range.
    • The vehicle will have to be in alignment with pedestrian safety standards.

    Will I Be Able To Save Premium By Buying One Of These Cars?

    Most car insurance companies offer lower premiums for vehicles that are equipped with the latest security features. So, it is natural to think that owning one of the top rated cars (as per NCAP testing) will help you save on insurance premiums. However this is far from the truth.

    The reality is that there is no direct relationship between the safety rating and the insurance premium. The NCAP rating focuses on how well the driver and passenger is protected in the event of a serious crash. It also evaluates the car’s safety devices on account of how a crash is prevented. As far as the motor insurance industry is concerned, it is found that most claims are raised for low-impact crashes with less severity. Most of the claim payouts made by insurers are also for these type of crashes.

    In fact, car insurance companies decide on the premium based on several other factors along with safety features, such as the IDV of the vehicle, the age and profession of the owner, his/her driving history, area of registration, etc. That is why a high-end car loaded with safety features would still be expensive to insure.

    Instead of focusing on the insurance premium savings, you should think about the safety of your family on the roads. Hence, it is worth considering the purchase of a car that has a great NCAP rating. After all, safety features are installed in a car to safeguard the life of the occupants and the vehicle itself, not to help the owner save on insurance premium. The latter should only be a secondary thought.

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • 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? 0
      , 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
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I hold a car insurance policy with HDFC ERGO from last 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. This policy has full coverage with 0% depreciation.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Oct 31, 2018
    • SBI General Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My car is insured with SBI general insurance and i have taken this policy for 1 year. A premium of Rs 39000 has to be paid for this car insurance policy. I have not claimed anything so far with this insurance policy. This policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , sangli
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I hold a car insurance policy with HDFC ERGO from last 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I have taken this policy for 3 years. I have no claim experience so far with this insurance policy. This policy covers only 3rd party damage.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 31, 2018
    • New India Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insurance with national insurance and i have taken this policy for 1 year. A premium of Rs 16000-17000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy and this policy has full coverage with 0% depreciation,.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken car insurance with HDFC ERGO for 1 year, a premium of Rs 33000 has to be paid for this insurance policy. I have no claim experience so far with this car insurance policy. This policy has full coverage with 0% depreciation.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 31, 2018
    • New India Car Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience with them so far had been good and i had been paying the premium annually. The premium amount of 5700 has been nominal and i had been paying the premium offline and it had been convenient. The policy covers bumper to bumper.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy with HDFC ERGO for 1 year, A premium of Rs 7000 has to paid for this insurance policy. My claim experience was good with this insurance and they provided cashless garage. This policy has full coverage.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Oct 30, 2018
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