Asansol is a bustling city located in the state of West Bengal, India. It is known for its rich culture, diverse population, and booming automobile industry. Owning a car in Asansol can be a liberating experience, allowing individuals to easily commute to work or explore the city's many attractions. However, car owners in Asansol need to be aware of the risks associated with driving on the city's busy roads. Accidents can happen at any time, and the financial burden of repairing damages or paying for medical bills can be overwhelming.
This is where car insurance comes into play. Having car insurance in Asansol is not only a legal requirement but also a crucial safety net for car owners. It can protect you from financial losses in case of accidents, theft, or any other unforeseen circumstances. In addition, having car insurance can provide you with peace of mind, knowing that you are adequately covered in case of an emergency.
Asansol is home to several insurance companies that offer competitive rates and comprehensive coverage. Here are the top 5 companies that offer the best car insurance rates in Asansol:
New India Assurance: New India Assurance is a leading insurance company in India that offers affordable car insurance policies. Their policies offer a range of coverage options, including third-party liability, own damage, and personal accident cover. New India Assurance is also known for its quick and hassle-free claims process.
Oriental Insurance: Oriental Insurance is another popular choice among car owners in Asansol. They offer comprehensive car insurance policies at competitive rates. Their policies come with a range of benefits, including third-party liability cover, personal accident cover, and own damage cover. They also offer add-ons such as zero depreciation cover and engine protection cover.
National Insurance: National Insurance is a trusted insurance provider in Asansol that offers affordable car insurance policies. Their policies come with a range of benefits, including third-party liability cover, personal accident cover, and own damage cover. National Insurance also offers add-ons such as zero depreciation cover, engine protection cover, and roadside assistance.
United India Insurance: United India Insurance is a leading insurance provider that offers comprehensive car insurance policies at competitive rates. Their policies come with a range of benefits, including third-party liability cover, personal accident cover, and own damage cover. They also offer add-ons such as zero depreciation cover and engine protection cover.
Bajaj Allianz: Bajaj Allianz is a popular choice among car owners in Asansol. They offer affordable car insurance policies with a range of benefits, including third-party liability cover, personal accident cover, and own damage cover. Add-ons such as zero depreciation cover and engine protection cover are also offered. They are known for their fast and efficient claims process.
Here are some tips to get car insurance at a low rate in Asansol:
Compare insurance policies: Comparing car insurance policies from different insurance providers can help you find the best policy that suits your needs at an affordable rate. Make sure to check the inclusions and exclusions of the policy and choose the one that offers maximum coverage at a reasonable price.
Increase the voluntary deductible: The voluntary deductible is the amount that you are willing to pay from your pocket in case of a claim. Increasing the voluntary deductible can lower the premium amount of your car insurance policy.
Install anti-theft devices: Installing anti-theft devices such as alarms, immobilizers, and GPS trackers in your car can reduce the risk of theft and vandalism. Insurance companies offer discounts on car insurance premiums for cars equipped with anti-theft devices.
Maintain a good driving record: Insurance companies prefer to insure cars of individuals who have a good driving record. If you have a history of safe driving without any accidents or traffic violations, you are likely to get car insurance at a lower premium rate.
Opt for long-term policies: Insurance companies offer long-term policies that provide coverage for up to three years. Long-term policies are cheaper than annual policies, and they also save you from the hassle of renewing your policy every year.
Avail No Claim Bonus (NCB): If you haven't made any claims during the policy term, you can avail No Claim Bonus. NCB is a discount offered on the premium amount of your car insurance policy. The discount rate increases with every claim-free year and can go up to 50% after five consecutive claim-free years.
Knowing how to file a car insurance claim is important for car owners as it allows them to get compensation in case of any damage or loss to their vehicle. Here are the steps to file a reimbursement claim:
In case of an accident or damage, notify your insurance company immediately. You can do this by calling their customer care or through their website or mobile app.
Provide the necessary details such as your policy number, vehicle registration number, and the details of the incident, including the date, time, and location.
Submit the necessary documents, including a copy of the FIR (if required), driving license, vehicle registration certificate, and insurance policy document.
The insurance company will appoint a surveyor who will assess the damage to your vehicle and submit a report.
Once the survey report is received and verified, the insurance company will approve the claim amount and reimburse you accordingly.
To apply for a car insurance policy in Asansol, certain requirements need to be fulfilled. They are:
Vehicle details: You need to provide the vehicle details such as the make, model, and year of manufacture. Additionally, the registration certificate of the vehicle is also required to apply for car insurance.
Personal details: You need to provide personal details such as name, age, gender, and contact details, including phone number and email address.
Driving license: You need to have a valid driving license to apply for car insurance. The license should be issued by the Regional Transport Office (RTO) and should be in good standing.
Previous insurance policy details: If you are renewing your car insurance policy, you need to provide details of your previous policy, including the policy number, insurer's name, and expiry date.
No Claim Bonus certificate: If you are applying for a car insurance policy after completing the policy term without making any claims, you can avail of the No Claim Bonus (NCB). You need to provide the NCB certificate to the insurance company to avail of the discount.
Anti-theft devices: If you have installed anti-theft devices in your car, such as GPS trackers, alarms, or immobilizers, you need to provide details of the devices to the insurance company to avail of the discounts.
Premium payment: You need to pay the premium for the car insurance policy, either in one go or in installments.
Vehicle registration certificate
Identity and address proof
NCB certificate (if applicable)
Previous policy details (if renewing)
Vehicle inspection report (if required)
Car insurance is a policy that provides financial protection against any damage, loss, or theft of your car. It is mandatory as per Indian law to have a valid car insurance policy before driving on Indian roads.
Third-party liability insurance, comprehensive insurance, and standalone own-damage insurance are the three types of car insurance policies available in Asansol.
Third-party insurance provides coverage against damages caused to a third-party individual or property by your car, whereas comprehensive insurance provides coverage for both third-party damages and own damages to your car.
Yes, car insurance renewal can be done online through various insurance provider websites or mobile applications.
NCB is a reward offered by insurance companies to policyholders who do not make any claims in the policy year. It is a discount on the premium amount that can be availed during policy renewal.
You must get your car repaired at a network garage of your insurance provider. The garage will then directly bill the insurance company for the repairs.
Yes, the car insurance policy can be transferred to the new owner of the car. The new owner must apply for a transfer of the policy and pay the required transfer fee.
It is the percentage of claims settled by an insurance company against the total claims received. It is advisable to choose an insurance provider with a high claim settlement ratio.
Opting for a higher voluntary deductible, installing anti-theft devices, and avoiding making small claims can help lower the car insurance premium.
Yes, comprehensive car insurance provides coverage for the actual market value of the car in case of theft or total loss.