Purulia is a city located in the state of West Bengal, India. It is known for its natural beauty and historic landmarks, making it a popular tourist destination.
Owning a car in Purulia can be a great experience, as it allows for easy travelling in and around the city. However, it's important to ensure that your car is protected with insurance, as accidents and other unforeseen events can happen at any time.
Car insurance provides financial protection in case of damage or loss of your vehicle due to accidents, theft, or other incidents. It also provides coverage for any liability that may arise due to damage or injury caused to third-party property or individuals. Having car insurance not only ensures peace of mind but is also a legal requirement in India.
Here are the top 5 companies that offer competitive car insurance rates in Purulia:
HDFC ERGO Car Insurance
Pricing: Premium plans start at Rs 2094 per year.
Inclusions: The company offers cashless claim settlements, 24x7 customer support, and a range of add-on covers, such as zero depreciation and engine protection, to enhance the protection of your vehicle.
Claims: HDFC ERGO's USP lies in its iSurvey feature, which enables quick and easy claim settlements through a mobile app. The feature uses AI-powered technology to assess damages and process claims in real time, making it convenient and hassle-free for policyholders.
Bajaj Allianz Car Insurance
Pricing: Insurance plans begin at Rs 3,385 per year.
Inclusions: The company offers cashless claim settlements, 24x7 roadside assistance, and a range of add-on covers to enhance the coverage of your vehicle.
Claims: What sets Bajaj Allianz apart is its unique USP - the Motor-On-The-Spot feature, which enables policyholders to file and settle claims within 20 minutes through a mobile app.
ICICI Lombard Car Insurance
Pricing: The minimum plan for ICICI Lombard car insurance starts at merely Rs 2,800 per year.
Inclusions: The company provides a range of add-on covers, including zero depreciation, roadside assistance, and engine protection.
Claims: ICICI Lombard's USP lies in its innovative use of technology, such as its AI-powered chatbot, which enables quick and easy claim settlements. Additionally, the company offers a cashless claim settlement feature, making the process hassle-free and convenient for policyholders.
It's important to note that the insurance rates may vary depending on the type of vehicle, the age of the vehicle, and other factors. It's recommended to compare the policies and rates offered by multiple insurance providers before making a decision.
Here are some tips to get a car insurance policy in Purulia at a low premium:
Compare policies from different insurers: It is essential to compare car insurance policies from different insurance providers to find a policy that offers the best coverage at an affordable price. Most insurance companies have an online presence, which allows you to compare policies and premiums from the comfort of your home.
Choose the right coverage: Selecting the right coverage can help you save on premiums. Opting for comprehensive coverage is advisable only if you have a new or expensive car. In case you have an old car, a third-party liability policy should suffice.
Opt for a higher deductible: Choosing a higher deductible, which is the amount you have to pay out of pocket before the insurance coverage starts, will lower your premium rates.
Maintain a good driving record: Car insurance providers offer lower premiums to those with good driving records, so maintaining a clean driving history is essential.
Install safety features: Installing safety features such as anti-theft devices, airbags, and GPS trackers in your car will reduce the risk of accidents and lower your premium rates.
Avail of discounts: Many car insurance providers offer discounts for various reasons such as good driving history, anti-theft devices, or multiple policies, so inquire about discounts that may be available to you.
Here are the steps to file a car insurance claim:
Inform the insurer: The first step is to inform the insurance company about the accident or damage to the vehicle. This can be done through various avenues, including the insurer's website, mobile app, or customer care.
Provide details: Provide the insurer with all the necessary details about the accident, including the time and date, location, and extent of the damage.
Submit documents: The insurer may require various documents to process the claim, such as a copy of the policy, the vehicle registration certificate, driving license, FIR (if applicable), and a detailed estimate of the repair cost.
Wait for the survey: The insurer will send a surveyor to assess the damage to the vehicle and provide an estimate of the repair cost.
Approval and payment: After the surveyor submits their report, the insurer will review and approve the claim. The payment will be made to the policyholder's account or directly to the repair shop.
Here are some of the requirements:
Age proof: The policyholder needs to submit proof of their age, such as a copy of their driving license, PAN card, or passport.
Address proof: The policyholder must also provide proof of their address, such as a copy of their Aadhar card, voter ID, or passport.
Vehicle details: The policyholder needs to provide details about the vehicle that they want to insure, such as the make and model, year of manufacture, registration number, engine and chassis number, and fuel type.
Previous insurance details: If the vehicle was previously insured, the policyholder needs to provide details of the previous insurance policy, such as the policy number and the insurer's name.
Driving record: The policyholder's driving record is also taken into account when determining the premium. It is essential to provide information about any past accidents, claims, or violations.
No-claim bonus: If the policyholder has not made any claims in the previous policy period, they may be eligible for a no-claim bonus (NCB). The NCB can help reduce the premium amount.
Premium payment: The policyholder needs to make the premium payment to complete the insurance application process. This can be done online or offline, depending on the insurer's payment options.
Here are the documents needed to apply for car insurance in Purulia:
Copy of the vehicle's registration certificate
Valid driving license
Recent passport-sized photograph of the policyholder
Note that the requirements may vary depending on the insurer and policy type. It's best to confirm with the insurer or agent.
Car insurance is a type of insurance policy that provides financial protection against any loss or damage to your car due to accidents, theft, or natural calamities.
Yes, car insurance is mandatory in Purulia and India as per the Motor Vehicles Act, of 1988.
The types of car insurance policies available in Purulia are third-party insurance, comprehensive insurance, and standalone own-damage insurance.
Third-party insurance covers only the damages caused by your car to other people?s vehicles or property. It doesn?t cover the damage to your car.
Comprehensive insurance provides coverage for damages to your car as well as third-party damages caused by your car.
Standalone own-damage insurance covers only damages to your car caused by accidents, theft, or natural calamities. It doesn?t cover third-party damages.
The premium for car insurance is calculated based on factors such as the make and model of your car, the age of your car, your driving history, and the type of insurance policy chosen.
You can renew your car insurance policy in Purulia by visiting the insurer?s website, or mobile app, or by contacting the agent. It?s advisable to renew the policy before the expiry date to avoid any lapse in coverage.
Yes, you can transfer your car insurance policy to the new owner when you sell your car in Purulia. You need to inform the insurer and provide the necessary documents for the transfer.