Car Insurance in Thrissur

Car Insurance in Thrissur

Being the fourth largest city in God's own country, Kerala, it is advisable to own a car when one resides in Thrissur. Along with the responsibility of owning a car comes the responsibility of protecting it. Moreover, cars are not legally allowed to operate on Indian roads if they are not insured. Car insurance protects both the car and its owner, as well as their loved ones.

Best Car Insurance Rates in Thrissur

It is a difficult decision to choose the best company that will provide you with the best car insurance rates in Thrissur. Most companies provide reasonable rates for their insurance policies.

However, in Thrissur, companies such as Royal Sundaram Car Insurance, IFFCO-Tokio Car Insurance, Bajaj Allianz Insurance, Reliance General Insurance and The New India Assurance Co. Ltd, provide possibly the best car insurance rates in the industry.

• The Royal Sundaram insurance company claims that it settles around 98.6% of all its claims.

• The IFFCO-Tokio car insurance provides you with a rate of ?6 per day.

• The Bajaj Allianz group provides you with zero depreciation cover, 24/7 spot assistance and network garages among other benefits.

• Reliance General Insurance also provides the best interest rates with discounts, a paperless registration process, network garages and many other benefits.

The process of applying for a car insurance policy is also easy for all the above companies. Additionally, the process of applying for insurance claims is much easier.

They also provide online services and you can check their websites for a better understanding. They provide the best rates in Thrissur city for four-wheelers.

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

You must know the following tips and tricks if you want to find the type of car insurance that best suits your needs:

• Opt for long-term policies to ensure that you do not have to bear the yearly increase in third-party premiums. You can also get discounts for long-term policies.

• Always compare options online before deciding what is best for you. Moreover, policies sold online are sometimes cheaper than when sold offline. Check which company covers a wide coverage at what rates.

• Always check the customer reviews on the company websites that provide insurance.

• Drive safely to ensure your car has fewer scratches and damages. This will make you eligible for the No Claim Benefit and save you a lot of money in the long run.

• Try to get a discount bulk rate by insuring several vehicles and drivers at once.

• If you have other insurance policies with the same company, chances are that you will be given a discounted rate for your car insurance.

• Insurance companies provide special discounts for drivers who have completed a defensive driving course.

• Get quotes from different companies and compare the rates every two years. Chances are that one of the companies may reduce their rates and you can grab the opportunity.

• Some companies offer extra discounts for a hybrid car or an alternate-fuel car. While buying a car, keep this in mind.

• Increase your deductibles to increase your savings.

• Install an anti-theft device in your vehicle to get better discounts.

• Take care to renew your policy on time. Otherwise, you will lose the No Claim Bonus that you have accumulated till then.

How to File a Car Insurance Claim

Filing and submitting a car insurance claim can be a confusing and tedious process. Here's an overview of the steps you need to follow and what to expect:

• In case you are in an unfortunate road accident, you have to inform the motor insurance company at the earliest.

• You should also note the registration number of the vehicle that was responsible for the mishap and the license number of the driver involved.

• The next step is to file an FIR at the police station and submit the aforementioned details.

• The insurance claim can be filled out online through the company's website or offline with the required documents. Make sure you have the FIR, a copy of the insurance policy, a filled and signed claim form, a valid car registration certificate and driving license, the repair estimates, and medical receipts in case of physical injuries.

• The insurance company will send a surveyor for inspection. The surveyor will approve/reject the claim post-inspection.

• If your claim is approved, your vehicle will be sent to the network garage for repairs and you will get a cashless settlement claim.

• Alternatively, you can make the payment at the garage where your car was repaired. The repair amount will be reimbursed to your account when your reimbursement claim is approved.

• If you are a policyholder, you can claim your reimbursement amount through the company's website. You also have the option to get in touch with the officials offline.

What You Need to Apply for a Car Insurance in Thrissur

Before buying a car insurance policy, it is best to have all of your documents in order. If you have decided on the type and provider of car insurance you want to purchase, visit the chosen insurance provider's nearest branch.

Inform the company executives or agents about your needs and they help you determine the policy and coverage that best suits your needs.

You can also apply for a car insurance policy online if you have time constraints. Today, most insurance companies provide this option and you can apply for car insurance online by following a few simple steps:

• You can enter your vehicle details on the online website of the insurance provider you have chosen to buy your car insurance from.

• Next, you can choose from the array of policies provided by the company and pick the one that best suits you.

• Once you choose the desired plan, you can make the payment online and buy the policy in a matter of seconds.

Documents Required

You will require to supply the following documents to the provider while applying for a new insurance policy for your vehicle:

• First, you must provide valid identity proof like an Aadhar card, Passport, PAN card, Voter ID, or any other Government-issued ID.

• You will also need a 'proof of address' like an Aadhaar card, Passport, driver's license, etc.

• The registration number of your vehicle.

• A recent photograph.

• RC (Registration certificate) of your four-wheeler

• Pollution Under Control(PUC) certificate.

• In case you have an old policy number, keep it with you.