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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.

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    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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    • National Insurance Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
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      , gurgaon
      Reviewed on Jul 14, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
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      , kolkata
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
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      , mumbai
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
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      , hyderabad
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a Car Insurance policy with the IFFCO Tokyo. I am paying a premium of 30000 Per year, they also offered a fair IDV value for my car. The policy has got roadside assistance and cashless garage facility as well. I've claimed the policy twice. It was very fast and they precessed the claims with out any hassle.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
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      , bangalore
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
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      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
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      , bangalore
      Reviewed on Jul 11, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a Car insurance with ICICI lombard from last 7 months, 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 damages and i pay a premium of Rs 10500 for this insurance.
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      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
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      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
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      , hyderabad
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Tata Aig Car insurance. I pay a premium of 15000 per year. They have also offered me a fair IDV value for my car. I never had any issues with the their services. Overall I never had any issues with the car insurance policy so far.
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      , bangalore
      Reviewed on Jul 02, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
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      , ahmedabad
      Reviewed on Jul 01, 2018
    • Shriram Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
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      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the car insurance from the NATIONAL INSURANCE. I have a good experience with the life insurance I have got through the on line where the process is so simple. I had a no claim experience i had so far with my insurance. The coverage is for B to B.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • United India Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the United India, I am making the payments online. I never had any claim experience with the policy so far. Considering the policy coverage and plan benefit, it has been a smooth experience so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 29, 2018
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