Mathura is a historic city located in Uttar Pradesh. It is known for its rich cultural heritage, ancient temples, and vibrant festivals. The city attracts tourists from all over the world, making it a hub for business and commerce.
Car insurance is essential for any car owner in Mathura, as it provides financial protection in case of accidents, theft, or other unforeseen events. Having a comprehensive car insurance policy not only safeguards your vehicle but also provides coverage for third-party damages and injuries.
Here are some of the top car insurance companies in Mathura that offer competitive rates.
HDFC Ergo Car Insurance: HDFC Ergo offers comprehensive car insurance policies at affordable rates. Their policies cover damages to your vehicle, third-party liabilities, and personal accident cover. The claims process is straightforward, and the company offers a 24/7 customer service helpline.
Bajaj Allianz Car Insurance: Bajaj Allianz offers a wide range of car insurance policies to cater to the different needs of car owners in Mathura. Their policies offer coverage for damages to your car, third-party liabilities, and personal accident cover. The claims process is easy and hassle-free, and they have a vast network of garages across the country.
ICICI Lombard Car Insurance: ICICI Lombard offers affordable car insurance policies with extensive coverage options. Their policies offer coverage for damages to your car, third-party liabilities, and personal accident cover. They too have a straightforward claims process.
Oriental Car Insurance: Oriental Insurance is a government-owned insurance company that offers affordable car insurance policies with extensive coverage options. Their policies offer coverage for damages to your car, third-party liabilities, and personal accident cover, with a simple claims process. They have garages all over the country.
National Car Insurance: National Insurance is another government-owned insurance company. Their car insurance policies are affordable and consist of extensive coverage options. Like most reliable insurance companies, their policies offer coverage for damages to your car, third-party liabilities, and personal accident cover. They have garages all over the country, and they ensure a hassle-free claims process.
Here are some of the best tips to get car insurance at a low rate in Mathura.
Compare Quotes From Multiple Insurers: The first and foremost step is to compare quotes from multiple insurance providers to find the most affordable one. Use online comparison tools to find the best options and compare rates, inclusions, and exclusions of the policies.
Opt For Higher Deductibles: Choosing higher deductibles means you are willing to pay a higher amount out of your pocket in case of an accident or claim. This will lower your premium rate, as the insurance company will have to pay a lower amount in the event of a claim.
Install Safety Devices: Installing safety devices such as anti-theft alarms, immobilisers, and airbags can lower the risk of theft or accidents, which can reduce your premium rates.
Drive Safely: Maintaining a clean driving record can help you get lower premium rates. Insurance companies consider your driving record to calculate the premium rates, and a clean record with no accidents or violations can help you save money.
Bundle Policies: Bundling your car insurance policy with other policies like home insurance or life insurance from the same provider can help you get discounts on premiums.
Renew Policy on Time: Renewing your policy before it lapses can help you avoid paying higher premiums, as insurance companies often charge a higher rate for lapsed policies.
Here are the steps and avenues for filing a reimbursement claim:
Inform the Insurance Company: The first step is to inform the insurance company about the incident as soon as possible. This can be done through their website, mobile app, or customer service helpline.
Submit Necessary Documents: The insurance company will require certain documents such as a copy of the car registration, driving license, FIR (if applicable), and claim form. Make sure to submit all the necessary documents as per the company's requirements.
Get the Vehicle Inspected: The insurance company will send a surveyor to inspect the damage and assess the amount of reimbursement. Make sure to provide all the necessary information and details to the surveyor.
Get Reimbursement: Once the claim is approved, the insurance company will reimburse the amount for the damages or losses as per the policy terms and conditions.
Here are some of the requirements for applying for a car insurance policy in Mathura:
Vehicle Details: The make and model of the vehicle, the year of manufacturing, and the registration number are required to apply for car insurance.
Personal Details: Personal details such as name, age, address, and contact information of the owner of the vehicle are required to be submitted along with the application.
Driving License: A valid driving license is necessary to apply for car insurance in Mathura. The insurance company will require a copy of the driving license of the vehicle owner.
Previous Insurance Details: If the vehicle owner has an existing car insurance policy, details such as the policy number, expiry date, and no-claims bonus certificate need to be provided.
Vehicle Inspection: The insurance company may require a physical inspection of the vehicle to assess its condition and determine the premium rate.
Payment of the premium is required to activate the insurance policy. The premium amount can vary depending on the type of coverage selected, the make and model of the car, and the driving history of the owner.
Here's a list of documents that are typically required when applying for a car insurance policy in Mathura:
Vehicle Registration Certificate (RC): This is a mandatory document that establishes ownership of the vehicle and provides details such as the make and model, engine and chassis number, and date of purchase.
Driving License: A valid driving license is required to apply for car insurance in Mathura. The license should be in the name of the vehicle owner and should be in force at the time of application.
Previous Insurance Policy Documents (If Applicable): If the vehicle owner had a previous insurance policy, the policy number and a copy of the policy documents would be required.
ID Proof: A government-issued ID proof such as an Aadhar Card, Voter ID, or Passport is required to establish the identity of the vehicle owner.
Address Proof: A document such as a utility bill, bank statement, or rental agreement is required to establish the address of the vehicle owner.
PUC (Pollution Under Control) Certificate: A valid PUC certificate is required to establish that the vehicle meets pollution control standards.
Vehicle Inspection Report: Some insurance companies may require a physical inspection of the vehicle to assess its condition and determine the premium rate.
It's important to note that the exact documentation requirements may vary depending on the insurance company and the type of policy being applied for. It's advisable to check with the insurance company for a detailed list of documents required.
Third-party car insurance covers damages and losses caused to a third-party person or property by your vehicle.
Comprehensive car insurance provides coverage for both third-party damages and damages to your vehicle in case of accidents, theft, or natural calamities.
Yes, most car insurance policies allow you to choose your repair shop for car repairs.
The premium amount is calculated based on factors such as the make and model of the vehicle, the age and driving experience of the owner, and the coverage selected.
Yes, car insurance policies can be transferred to a new owner in case of a sale.
NCB is a discount on the premium amount offered by insurance companies for every claim-free year.
In the event of a car accident, you should inform the insurance company immediately and file a claim. In addition, you should gather evidence such as photos and witness statements to support your claim.
Yes, it is mandatory to have at least a third-party car insurance policy as per the Motor Vehicles Act of 1988.
Yes, most insurance companies offer online renewal facilities for car insurance policies.
The grace period for renewing car insurance in Mathura is typically 30 days from the date of expiry of the policy.