Aditya Birla Car Insurance

About Aditya Birla Car Insurance

Aditya Birla Group is a powerhouse corporation in India. Its diverse portfolio includes retail, telecom, cement, financial services, and insurance. Within this enterprise, Aditya Birla Insurance Brokers Limited (ABIBL) stands out as a subsidiary of Aditya Birla Capital Limited.

It provides a wide range of insurance products, including car insurance. Aditya Birla Car Insurance is a comprehensive policy offering coverage against various vehicle ownership risks. It is tailored to provide financial protection against unexpected events such as accidents, theft, natural calamities, and third-party liabilities.

• The Aditya Birla Car Insurance policy goes beyond basic coverage, offering a variety of features and benefits to its customers. It covers both own damage and third-party liabilities.

• You can choose from various add-ons/riders to enhance the policy’s coverage. Some of these add-ons include zero depreciation cover, engine protector, consumables cover, and roadside assistance.

• Additionally, the policy offers a no-claim bonus if you do not make any claims during the policy period. This means there will be a significant reduction at the time of renewal.

• Aditya Birla Car Insurance also provides cashless claim settlement at over 4,500 network garages/workshops across the country. This makes it easy and convenient for you to get your vehicle repaired without any hassle.

Aditya Birla Car Insurance stands out as a comprehensive and reliable policy that caters to the unique needs of car owners in India. With a range of features and benefits, customers can customize their policies to suit their specific needs and budget.

Key Features and benefits of Aditya Birla Car Insurance Online

Aditya Birla Car Insurance Online provides customers with many benefits and features, making it a hassle-free way to purchase car insurance. Here are the key features and benefits of Aditya Birla Car Insurance Online:

• Easy Documentation

  • The policy offers easy documentation with a simple online process that saves customers time and effort. It can be purchased and processed online, making everything available with ease and convenience at your fingertips.

• Competitive Premiums & Comprehensive Coverage

  • Aditya Birla Car Insurance Online offers competitive premiums. This makes it an affordable option for you. The policy provides comprehensive coverage against a wide range of risks associated with owning a vehicle, including third-party liabilities, theft, accidents, and natural calamities.

• Add-ons – You have the option to enhance the coverage by choosing from a range of add-ons. This includes zero depreciation cover, engine protector, consumables cover, and roadside assistance.

• No-Claim Bonus

  • The policy offers a no-claim bonus for customers who do not make any claims during the policy period. This helps in bringing down the premium at the time of renewal.

• Cashless Claim Settlement

  • Aditya Birla Car Insurance Online provides cashless claim settlement at over 4,500+ network garages all over India. This feature makes it easy for you to get your vehicle repaired without paying any money upfront.

Aditya Birla Car Insurance Add-Ons

Aditya Birla Car Insurance offers a range of add-ons/riders that you can choose from to enhance the policy’s coverage. These add-ons provide additional protection and financial security against unforeseen events that may occur while you are on the road. Some of the add-ons available are –

• Zero Depreciation Cover: This add-on protects you against the depreciation of your car's value. The policy covers the cost of replacing parts with new ones without considering the depreciation factor. This means that you are offered complete financial protection.

• Roadside Assistance: With this add-on, you are guaranteed 24/7 roadside assistance in the event of a breakdown, flat tire, or any other emergency situation. The policy covers the cost of towing, minor repairs, other related expenses, etc.

• Engine Protector: The Engine Protector add-on provides coverage against damage to the engine or parts due to waterlogging, oil leakage, or any other mechanical breakdown. The policy covers the cost of repairing or replacing the damaged engine parts to avoid paying for unexpected repairs.

• Consumables Cover: This add-on covers the cost of consumable items such as nuts, bolts, and engine oil. These consumables are generally not covered under a standard car insurance policy. The policy provides you with financial protection against such expenses, ensuring you do not have to bear the cost of these items during repairs.

• Personal Accident Cover: This cover ensures financial protection for you and your family in the event of an accident. The policy covers the cost of various medical expenses and related hospitalization. It provides compensation for disability or death due to an accident.

• Return to Invoice Cover: With this add-on, you will be provided with complete financial protection in case your car is stolen or damaged beyond repair. The policy covers the difference between the insured declared value (IDV) and the car's invoice value. This ensures that you receive the maximum compensation for your loss.

• No-Claim Bonus Protection: This add-on protects the customer's no-claim bonus (NCB) over the years. In the event of a claim, the policy provides customers with a protection cover that ensures their NCB remains intact.

• Key Replacement Cover: A key replacement cover provides the cost of replacing lost or damaged keys in your car. The policy covers the cost of new keys and other related expenses, providing customers with complete financial protection.

Aditya Birla Car Insurance Claim

Knowing how to file a claim is essential, as it can help you get the financial assistance you need in case of an accident or damage to your vehicle. Aditya Birla Car Insurance offers a claims process that is easy and straightforward.

When filing a claim with Aditya Birla Car Insurance, there are a few essential steps that customers need to follow:

1. Inform the Authorities

   • In case of an accident or theft, you should immediately inform the police and file an FIR. You should also inform Aditya Birla Car Insurance about the incident and provide all the necessary details.

2. Register the Claim – To initiate the claims process, you can call the toll-free number or visit the website. You will then receive a claim number, and a representative from Aditya Birla Car Insurance will get in touch with you to guide you through the process.

3. Provide Necessary Details – You must provide all the necessary details related to the incident, including the location, time, and date of happening. You will also need to submit relevant documents such as the FIR, vehicle registration certificate, driving license, and policy documents.

4. Vehicle Inspection – After receiving the claim request, Aditya Birla Car Insurance will arrange for an inspection of the damaged vehicle. A surveyor will assess the damage and provide an estimate of the repair costs.

5. Claim Settlement – Once the surveyor provides an estimate, Aditya Birla Car Insurance will settle the claim based on the terms and conditions of the policy. If the policy offers cashless claim settlement, you can get your vehicle repaired without having to pay anything from your pockets. If you choose to get the vehicle repaired at a garage outside the network garages, you can opt for the reimbursement option.

   By following the simple steps mentioned above, you can easily file a claim and get financial assistance in case of an unfortunate event.

How to file a car insurance reimbursement claim?

Aditya Birla Car Insurance offers a simple and convenient way to file a reimbursement claim. You can choose to raise a claim through various ways such as the website, or mobile app, call the toll-free number or send an email to initiate the process. However, the easiest way to file a reimbursement claim is by visiting the Aditya Birla Car Insurance website or mobile app.

1. Open the Aditya Birla website or mobile app and click on the 'Claims' tab and select 'Reimbursement Claim.'

2. You will then need to fill in the required details, including policy number, vehicle registration number, and contact information.

3. After filling in the necessary details, you will be required to upload the required documents like the repair bills, payment receipts, and vehicle inspection report.

4. Finally, you can check all information provided and submit the claim form. The claim will then be verified and processed.

Documents required for cashless and reimbursement claims

Documents required for a cashless claim:

• Duly filled and signed claim form

• Copy of the policy document

• Driving license

• FIR copy in case of accident or theft

• Repair estimate

• RC copy

Documents required for a reimbursement claim:

• Duly filled and signed claim form

• Copy of the policy document

• Driving license

• FIR copy in case of accident or theft

• Original repair bills and payment receipts

• Vehicle inspection report (for accidental damage)

Aditya Birla Car Insurance Claim Rejection Reasons

Here are some of the potential reasons for Aditya Birla Car Insurance claim rejection –

• Failure to disclose essential information/material facts

• Driving under the influence of drugs or alcohol at the time of the accident

• Driving without a valid driving license

• Damage caused by taking part in illegal activities
• Negligence in maintaining the vehicle causing mechanical failures
• Using the vehicle beyond the policy's coverage limitations
• Purposeful damage or fraud
• Using the car for commercial purposes when the policy only covers personal use
• Delay in informing the insurance company of the accident or damage

• Breaching the terms and conditions outlined in the policy agreement

Aditya Birla No Claim Bonus

Aditya Birla Car Insurance rewards safe driving with its exciting No Claim Bonus. You will be eligible if you do not file any claims during their policy period. This means that you can enjoy a discount on your next year's premium. The discount can range anywhere from 20% to 50%, depending on the number of claim-free years. Plus, the discount can be transferred to a new car if you buy a new vehicle. Hence, if you drive safely, you will be able to save some money on your car insurance with Aditya Birla's No Claim Bonus structure.

Aditya Birla Car Insurance Premium Calculator

Aditya Birla Car Insurance provides a handy tool called the Car Insurance Premium Calculator. This tool allows you to calculate the premium for your policy based on various factors such as your vehicle's make and model, the year of manufacture, the type of coverage you want, and your personal details like age and driving history.

Using this tool is simple, easy, and convenient. Simply enter the required details and the tool will calculate the premium for you in a jiffy. This not only saves you time but also helps you make an informed decision to choose the right car insurance policy.

Benefits of Car Insurance Premium Calculator

• Accurate premiums: The tool provides you with an accurate estimate of the premium you will have to pay. This helps you plan your budget accordingly and to avoid any surprises later.
• Time-saving: With just a few clicks, you can get an instant quote for your car insurance premium. This saves you from the overwhelming process of having to manually calculate the premium.
• Comparison: The Aditya Birla Car Insurance Premium Calculator also allows you to compare premiums for different policies and coverage options.
• Customization: With the premium calculator, you can customize the coverage options and see how it affects the premium amount. This helps you choose the right coverage that fits your budget.
• Transparency: The premium calculator provides a transparent and easy-to-understand breakdown of the premium components. It ensures that you understand the factors that affect the premium when choosing a policy.

Aditya Birla Car Insurance Premium Calculator not only helps you calculate your premium accurately but also saves you time. It ensures the benefits of accuracy, time-saving, comparison, customization, and transparency.

Aditya Birla Contact Details

• You can reach Aditya Birla Car Insurance through their website Aditya Birla Capital, or
• By calling their toll-free customer care number 1800-270-7000.

The company also has a dedicated email address for customer support, which is clientfeedback.abibl@adityabirlacapital.com.

Aditya Birla Car Insurance Policy Document

A policy document is an important legal agreement between you and the insurance company. It outlines all the terms and conditions of the policy, including the coverage details, premium amount, deductibles, and exclusions. The policy document serves as proof of insurance and provides clarity on the benefits and limitations of the policy. It is important that you thoroughly read and understand the policy document. This ensures that you are fully aware of the coverage provided by your car insurance policy.

How to Download Aditya Birla Car Insurance Policy Online Using Policy Number?

Here are the steps for downloading Aditya Birla Car Insurance Policy online using the policy number:

1. Visit the Aditya Birla Car Insurance website.
2. Click on the 'Customer Login' option on the top right corner of the page.
3. Enter your registered mobile number or email ID and password to log in to your account.
4. Once logged in, click on the 'Policies' tab on the dashboard.
5. Select the car insurance policy for which you want to download the document.
6. Enter the policy number and click on 'Download Policy Document.'
7. The policy document will be downloaded in PDF format.

In case of any difficulty in downloading the policy document, you can reach out to the customer care team for assistance. You can also access the policy document through the Aditya Birla Insurance mobile app.

How to Get a Hard Copy of Aditya Birla Car Insurance Policy

To get a hard copy of the Aditya Birla car insurance policy, you can follow these steps –

1. Visit the official website of Aditya Birla Insurance and log in to your account.
2. In the ‘Policy’ section, select the policy for which you require a hard copy.
3. Click on the ""Request for Hard Copy"" button and enter the required details, such as name, address, contact number, and email address.

4. Submit the details, and the Aditya Birla Insurance team will process the request and send the hard copy of the policy to your registered address.

How Can I Make Changes in My Aditya Birla Car Insurance Policy Document?

If you are an Aditya Birla Car Insurance policyholder, you may need to make changes in your insurance policy document for various reasons. This includes –

• Updating your personal information,
• Increasing or decreasing coverage, or
• Changing the vehicle insured.

To modify the policy document, you can log in to your account on the Aditya Birla Insurance website or mobile app. Go to the “Policy” section and select the relevant policy. You can click the ""Edit Policy"" button and make the required changes. After submission, the Aditya Birla team will process the request and update the policy document accordingly.

In case of further assistance, you can reach out to the customer care team to make changes to your policy document.

Aditya Birla Car Insurance Renewal

If you have an Aditya Birla Car Insurance policy, you must renew your policy on time, before it expires. The renewal timeline for Aditya Birla Car Insurance is 30 days before the expiry of the policy.

Renewing your existing car insurance policy regularly has several benefits. You can continue to avail of comprehensive coverage for your vehicle, get protection against third-party liabilities, and earn a no-claim bonus (NCB) for every claim-free year.

Renewing your Aditya Birla Car Insurance policy is very simple. You can visit the company's website or mobile app and log in to your account. Then, you can navigate to the “Policy” section and select the policy you wish to renew. After that, you need to make the payment of the premium amount, and the policy will be renewed instantly.

Aditya Birla Third-Party Car Insurance

Aditya Birla Third Party Car Insurance ensures that car owners are protected against legal and financial liability in case of any third-party claims for property damage or bodily injury. This is especially important as third-party car insurance is mandatory as per the Motor Vehicles Act in India.

Aditya Birla Third-Party Car Insurance Coverage

The policy covers the medical expenses, property damage, and legal fees of the third party involved in an accident caused by your car. However, it does not provide coverage for your car or any injuries sustained by you or your passengers.

Aditya Birla Third Party Car Insurance provides coverage up to a specified limit as determined by the IRDAI. For complete coverage, you may opt for comprehensive car insurance, which includes third-party coverage as well as coverage for your car."