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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

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    • 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.
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      , vadodara
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    • 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.
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      , gulbarga
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    • Oriental Insurance Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
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      , 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.
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      , bangalore
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    • 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.
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      , 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.
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      , ahmedabad
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    • 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.
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      , 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.
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      , palanpur
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    • 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.
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      , 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.
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      , bangalore
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    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
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      , 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.
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      , 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.
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      , pune
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    • New India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
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      , pune
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    • Shriram Car Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
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      , indore
      Reviewed on Sep 07, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
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      , kolkata
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    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
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      , 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.
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      , coimbatore
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    • New India Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      MY car insurance is with NEw India Assurance from last 4 years and it is a good policy to use. I am not sure about the premium amount but they cover bumper to bumper damage. My claim experiecnce was good with this insurance policy. Customer service was good with this insurance and they responded on time.
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      , chennai
      Reviewed on Sep 05, 2018
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