Amravati, located in the Vidarbha district in Maharashtra, is a place of great religious importance. Fondly called the cultural capital of Vidarbha, it is home to several temples dedicated to Goddess Ambadevi and Lord Krishna. It is also famous for its Varhadi cuisine and many important festivals are celebrated here with great pomp and show. g new cars every year.
Having car insurance in Amravati can protect you against any liability due to natural calamities as well as human errors. Also, at least third-party insurance is mandatory as per law in India.
Looking for car insurance prices and features for your car? Read on to learn all about car insurance in Amravati. The city has some top car insurance players that provide attractive rates and services.
Reliance Car Insurance: The car insurance policies from Reliance General Insurance offer customizable plans at affordable prices that ensure your satisfaction along with the safety of your car. It provides complete protection against any unforeseen damages or injuries caused due to an accident. It offers all kinds of policies, from third-party liability to standalone own-damage insurance and comprehensive car insurance. Reliance car insurance ensures affordable premiums, transparent procedures, personal accident coverage, and tons of discounts.
HDFC ERGO General Insurance: One of the most trusted general insurance companies in India, HDFC ERGO offers car insurance plans for as low as ₹6 per day in Amravati. You can avail of exciting products such as the Single Year Comprehensive Plan, third-party plans, own damage car insurance, as well as bundled cover for new cars. The company offers up to 70% discounts on premiums along with tons of network garages, overnight repair, roadside assistance, and one of the quickest claim settlement ratios.
Digit General Insurance: Formerly known as Oden General Insurance, this private insurance company was launched in 2016 and has its headquarters in Bengaluru. Digit General Insurance is now a renowned online platform offering a huge range of non-life general insurance products and services. Without tons of cashless network garages and other exciting features like doorstep pickup and repair, smartphone-enabled self-inspection, 24x7 support, and superfast claim settlement, it is a popular choice in Amravati.
If you have recently bought a car in Amravati and have been checking car insurance online, here are a few tips to help you get car insurance at a low rate.
Choose the Coverage Wisely: Choose your car insurance policy according to the amount of protection you need. Third-party insurances are quite affordable in comparison to a comprehensive policy. But the premium would also vary accordingly.
Opt-Out of Unnecessary Add-Ons: When choosing add-ons for your car insurance policy, you can easily get carried away and choose benefits you don’t really need. Remember that each add-on comes at a price, which would increase your overall premium. You don’t need to pay for benefits that are not necessary for you. Therefore, it is advisable to opt out of unnecessary add-ons to keep your insurance premium in check.
Avoid Claiming for Minor Damages: Each time you claim your insurance, it drives up the premiums for your car in the long run. So it is advisable to avoid claiming every minor damage your car gets. This will help you accumulate a no-claim bonus, which will ultimately reduce your policy rate at the time of renewal.
Get Safety Features Installed: One of the best ways to reduce your insurance premium is to install as many safety features, such as airbags and anti-theft alarms, in your car as possible. This will make you a low-risk customer and will help in reducing your insurance price.
Avoid Making Any Car Modifications: If you modify your car to enhance its aesthetic appeal, you will have to shell out a larger insurance premium for it. Modifications such as alloy wheels can be quite expensive, and so is their insurance coverage.
At the time of an accident, you may be distracted by tons of other things, but the first thing you need to do is file a claim. You can do so through the website of the insurer, a mobile app, or by visiting the office of the insurance company. Here're some steps to follow:
Make sure to inform your car insurer as soon as you can about the incident. If you fail to adhere to the company's timeline, your claim might end up being rejected.
File the First Information Report (FIR) at the nearest police station. After this, the police will visit the accident site and verify the cause of the accident.
To validate the accident, remember to take pictures of the car as well as the accident spot. This will help in getting your claim settled smoothly.
You can raise a car insurance claim only after providing all relevant documents to the insurer. These are:
Copy of your car insurance policy
FIR report filed with your local police station
Copy of your driver's license
Copy of your car’s registration certificate
Once you submit all the relevant documents, you have to request the insurer to get the inspection process started by sending a surveyor. They will assess the damage and help you with filing the claim.
If you choose a cashless claim, you can take your car to a network garage covered under your insurance policy. But if you are going for a reimbursement claim, you have to pay for the damage out of your own pocket, which will be reimbursed by the company.
When applying for a new car insurance policy, you would be asked to submit a number of documents such as the insurance proposal form, signed and duly filled, the vehicle’s invoice, and a copy of the car registration certificate, along with ID and address proof. You may be asked for additional details such as details about previous insurance policies, the insured amount, etc.
While applying for a new insurance policy, always ask the insurance company to provide you with the list of documents they require so there is no confusion. Getting and claiming a car insurance policy is quite easy, as long as you submit the right documents timely. Always ensure that you have access to all documents so there is no need to run here and there for documents right before you have to buy a new policy or claim your insurance policy.
Insurance companies require the following documents when you are buying a new car insurance policy:
Government-issued Identity Proof documents such as Aadhar Card, Passport, or PAN Card
Proof of Address such as Passport, Bank Passport, or Driving License
Recent passport-size photograph
Your vehicle registration number
Your driving license
Pollution test certificate/PUC certificate
Credit/debit card details
Comprehensive car insurance, also called full-coverage insurance, pays for all kinds of damages through accidents, natural calamities, theft, and fire.
Men usually pay more for car insurance in comparison to women, as they are considered less risky drivers and get into fewer accidents.
Yes, in most cases, it is cheaper to insure older cars, especially when it comes to collision and comprehensive insurance. Cars lose their value with age, therefore, potential payouts in the case of an accident are also lesser.
This completely depends on claims made during the period. If you bank a year without making any claims, your insurance premium will likely be lower after a year.
Comprehensive car insurance is always recommended, as it provides complete coverage in case of damage due to any reason.
Driving your car without a valid insurance policy is not permitted in India. therefore, you should not let your car insurance expire to avoid any kind of legal trouble.
For this, you can either take out two separate insurance policies for your cars or get a multi-car insurance policy.
Comprehensive car insurance provides protection against fire, theft, vandalism, falling objects, natural disasters, damage caused by animals, and civil disturbances such as riots.