Bikaner is one of the oldest and most magnificent cities in Rajasthan. The city is home to some of the world's best and most popular riding camels. This is why it is rightfully known as 'camel country'. The experience of owning a car in the 'camel country' of the world could be vibrant.
Car insurance is important to protect you from any liability while coursing through the city's busy streets. Car insurance covers financial losses in case of damages and helps one prepare for any risk in advance. The right choice of car insurance can go a long way in helping one manage one's finances efficiently. It can also give a boost to the durability of the car.
Bikaner has many companies that offer car insurance services. Out of these, the most popular ones are ICICI Lombard General Insurance Co. Ltd., the New India Assurance Co. Ltd., Tata AIG General Insurance Company Limited, and SBI General Insurance Company Ltd.
ICICI Lombard General Insurance Co. Ltd.
This company offers a wide range of services related to car insurance. As a part of their private car package insurance policy, they offer affordable premiums, easy renewals, and quick claim settlement. This makes the process of insuring one's car convenient as well as efficient. This company can be opted for by long-time car owners seeking an upgrade to their existing insurance policy.
New India Assurance Co. Ltd.
The car insurance services offered by New India Assurance Co Ltd cover a wide range of risks and damages. These include theft, fire, natural and man-made hazards, and personal accidents.
AIG General Insurance Company Limited
This company boasts an excellent record of providing hassle-free car insurance services. They have a 98% Claim Settlement Ratio, 5400+ Network Garages, and Zero Depreciation Cover. This can prove to be incredibly advantageous for new car owners or potential car owners in Bikaner. This can make their search for the most suitable car insurance policy easier.
SBI General Insurance Company Ltd
The car insurance services provided by SBI General Insurance Company Ltd stand out for various reasons. Their 'Private Car Insurance Policy Package' is a comprehensive car insurance policy. It includes services like hospital daily cash cover, consumables cover, and engine guard.
A few tips and tricks can go a long way in getting a good car insurance policy at low premiums in Bikaner:
First of all, one must compare multiple quotes from various companies. This should be done before making the final choice. This can ensure that one gets the best policy with comprehensive coverage at an excellent rate.
Window shopping at various car insurance company websites can familiarise one with the general principles of car insurance.
Add-ons to the policy are a plus when buying a car insurance policy. However, some of these may be unnecessary. One must remember that too many cooks spoil the broth!
Therefore, one must consider their expectations and requirements while purchasing a car insurance policy. Consulting an expert for the same could prove beneficial.
Further, while car insurance is important to cover the risk of damage, it is always better to be safe than sorry. Safe and cautious driving will ensure the safety of both the vehicle and the driver.
A clean claim record with fewer claims can help create and maintain a good customer image for the insurance company. In such a case, companies may deem a lower credit risk. This can lead to an offer of insurance with lower premiums.
Everyone has a dream car that they must have one day. Different vehicles can also lead to a difference in premium rates when getting car insurance.
Smaller cars that are more fuel-efficient have lower premiums. On the other hand, car insurance for muscle or luxury cars could include higher premiums.
Hybrid vehicles that use alternative fuels are trending these days. Knowing that these can also get good discounts on insurance premiums may be useful.
Driving a car on the scenic roads of Bikaner can always be a great experience. However, unfortunate accidents and events can ruin the moment. One can file an insurance claim to lower the damage caused by such incidents.
Insurance claims provide financial compensation for the damage caused by the incident. Knowing how to file an insurance claim would ensure a quick and efficient recovery from damage for both the car and the car owner.
The steps to file an insurance claim in the case of an unfortunate event are as follows:
In case of an accident or theft, one must inform their insurance company at the earliest and make their claim. The claim must be made, ideally, within a week of the incident.
The claim can be made via phone, email, text, or the insurer's website.
File an FIR if needed, and keep a copy for future reference.
Gather adequate evidence of the incident. It would be good to click pictures or make videos.
The insurance company should be requested to send a surveyor to determine the extent of the damages.
Gather the documents required to file an insurance claim.
Many insurance companies in Bikaner are linked to garages. Getting the damaged car repaired at a garage connected with the insurance company is advisable.
To apply for car insurance in Bikaner, certain requirements must be fulfilled. In India, having at least third-party legal liability insurance for vehicles is mandatory, as mandated by the Motor Vehicles Act of 1988. The act also provides for the creation of a Certificate of Insurance. All drivers must have this certificate with them at all times. It can be asked for during a traffic inspection. The respective insurance company of the driver issues this certificate. It contains all the details related to the car insurance policy.
Eligibility criteria for buying car insurance include the following:
The individual applying for car insurance should be at least 18 years old.
They must be a citizen of India.
They should own a vehicle with the registration certificate (RC) in their name.
The car age limit should also be considered while applying for car insurance:
The standard age limit has been prescribed as being between 5 to 70 years.
After 70 years, the car insurance policy can only be renewed for up to 80 years.
If a car is older than 80 years, fresh insurance or a renewal of insurance coverage will not be accepted.
Finally, one must not forget to renew car insurance periodically.
For old cars, the policy must be renewed each year.
In the case of new cars, the car insurance policy must be renewed after three years. Failing to renew the insurance coverage can lead to legal penalties.
A list of documents is necessary to apply for car insurance. When thinking of purchasing car insurance, one must first collect all the documents provided in the list. These documents include the following:
Government Identity Proof like a PAN Card/Aadhar Card/Passport.
Address Proof of the policyholder (Passport/Driving License/Bank Passbook)
A recent photograph
A copy of Driving License
Vehicle Registration Number
A copy of the car's RC
Pollution Test Certificate for the vehicle
Existing Motor Insurance Policy number
Card details for online payments
Yes, car insurance is compulsory for all car owners in Bikaner. This rule has been laid out in the Motor Vehicles Act 1988.
Third-party insurance is the most basic insurance protection for all policyholders. It compensates the third party in case of an accident involving the insurer. It is also known as a liability-only or act-only policy.
A legal penalty can be imposed if a car without insurance is found on the road.
Submitting a PAN card is compulsory if the total insurance premium is Rs 50,000 or more in a financial year.
No, it is not compulsory to buy insurance from the showroom.
Yes, it can be purchased without an agent. However, agents can be consulted to make an ideal choice.
Yes, the RC of the car is mandatory for buying car insurance.
Eighteen years is the minimum age for buying car insurance.