Gorakhpur Car Insurance

Car Insurance in Gorakhpur

Gorakhpur is a city located in Uttar Pradesh state and comes under the administrative zone of the district of the same name. Gorakhpur is a pivotal place for numerous famous temples. The place is visited by pilgrims throughout the year and from across the country. Since it’s a popular tourist and pilgrim spot, the city usually gets jam-packed with heavy traffic.

And in such a large city, sometimes owning a car becomes necessary and a cause of concern at the same time. Due to the lack of proper traffic management, transport infrastructure and increasing numbers of thefts, it becomes indispensable for a car owner to buy car insurance and get covered. Therefore, an ideal insurance plan will cover you in the event of any damage, accident or theft.

Best Car Insurance Rates in Gorakhpur

Many renowned companies are providing the best car insurance rates in Gorakhpur. To demonstrate, we will assume that you are looking for the best car insurance in Gorakhpur for your new Maruti Swift LXI.

Digital General Insurance - The company offers 1+3 years of the bundled package at Rs. 21,575, excluding GST. In the first year, you will get covered by the standalone own damage policy. The company will cover the cost of repair for your Maruti Swift and then the following years, the vehicle will be covered under the third-party policy.

In this plan, the vehicle owner will be covered against any legal liability or any injury, damage or death to the third party or their property, involving the insured vehicle. Digit General Insurance offers the easiest smartphone-enabled self-inspection to claim insurance in a fast manner. The company provides access to 6000+ cashless garages for private cars across India.

Reliance General Insurance - The second-best plan in Gorakhpur for the same car is from Reliance General Insurance. It offers the same 1+3 years (1 year OD plus 3 years Third Party) package at the rate of Rs. 18, 683, excluding GST. The company offers easy video claims with an excellent settlement ratio of 98.6 percent.

United India Insurance Co. LTD - The third in the line is by the United India Insurance Co. LTD which offers 3 years of Third-Party coverage at Rs. 11,345, excluding GST.

ZUNO General Insurance - Similarly, ZUNO General Insurance gives the same benefits at around the same premium of Rs. 11,300, excluding GST. Claiming insurance on ZUNO is just a call away, followed by a minimal documentation process and settlement of the claim within 7 days.

Tips to Get a Car Insurance in Gorakhpur with a Low Rate

Here are some crucial tips you must keep in mind to ensure maximum savings on your premium. Here are some of the essential tips for getting car insurance premiums in Gorakhpur at a low rate.

• No Claim Bonus – It is the reward that the company will give to you as a discount on the premium at the time of renewing your car insurance unless you raise a claim in the previous year. This No Claim Bonus will increase every claim-free year and you get up to 50 per cent discount on the total premium.

• Voluntary Deductible – The percentage of the amount that you opt to pay from your pocket before submitting your insurance claim. The Voluntary Deductible will depend on how much you can afford to pay. If the voluntary deductible value is higher, you will get a higher discount and have to pay less premium.

• AAI Benefit – The term is the abbreviated form of the Automobile Association of India. And guess what, if you are a member of this body, you can get a discount on the insurance premium, besides several services and assistance.

• Install an Anti-theft system in your vehicle – Though premium cars come with an anti-theft system, if you don’t have this system installed, then get this done as soon as possible. The anti-theft system will ensure your car remains less prone to being stolen and you can enjoy a discounted premium for your car policy.

How to File a Car Insurance Claim

For claiming insurance, you can either use the official mobile app of the insurer or visit their official website. Here are the simple steps to file a claim for your car insurance.

• Intimate the insurer – Convey every detail of the accident to the insurer. The more you provide the information, and furnish all the important documents, the smoother will be the process.

• File an FIR – Though it is not always necessary to file an FIR, it can prove to be highly beneficial, especially when you are unable to decide the accountability or where the damage to the third-party property is involved. Share every relevant detail with the police including the time and place of the accident, eyewitnesses, vehicle number, etc. and get a copy of the FIR.

• File the insurance claim – The process is easy. Just fill out the claim form provided by the insurer online or manually and submit all the relevant documents such as name, address, policy number and Aadhar, PAN, etc.

• Inspection process and repair – After filling out the form and submitting the documents, the inspection process will start and the surveyor will assess the damage. They will provide all the details of the garages within their network. If you are unable to take your vehicle to any of their associated garages, you can get your car repaired in any garage and later get the amount reimbursed in your account by showing the original repair bills.

What You Need to Apply for a Car Insurance in Gorakhpur

Car insurance is not a choice but is mandatory and legally mandated. You cannot drive a vehicle without insurance. To apply for your car insurance in Gorakhpur, there are basically two modes:

Offline mode – The conventional method of applying for anything. You can apply for a new insurance policy or renewal directly through agents by paying them a commission. But the plans they will tell you will be beneficial more to them and less to you. So, it is best to opt for the second and the most convenient method today which is as follows.

Online mode – This mode saves your precious time and the hassles of long serpentine queues. This is also the quickest and the most transparent method with no middleman involved. But before you head on to opt for a plan, do compare multiple plans and their benefits and then make up your mind.

You will need to furnish information about yourself, your driving history, vehicle details, and banking information.

Documents Required:

If you have zeroed in on the car insurance policy, then keep the following documents ready with the insurance renewal form.

1. ID Proof such as Aadhar, passport and PAN card.

2. Your proof of address such as your driving license, passport, and bank passbook.

3. Latest photograph

4. Driving license

5. Vehicle registration number

6. Vehicle’s RC (Registration Certificate)

7. PUC certificate or pollution test certificate of your vehicle

8. Motor insurance policy number

9. Debit or credit card details for online payment