Tiruchirappalli is one of the largest and most ancient cities in central Tamil Nadu. It is also known as Trichy. Trichy is an important educational, industrial, and transportation hub in the state, consisting of major educational institutions like NIT (National Institute of Technology), IIM (Indian Institute of Management); industries like BHEL (Bharat Heavy Electricals Limited) and OFT (Ordnance Factory Tiruchirappalli), and an international airport serving more than one million passengers per year (both domestic and international flights).
There are proper bus facilities provided by the Tamil Nadu State Transport Corporation (TNSTC) throughout the day, but owning a car will make it easier to get around the city, mainly due to traffic reasons. The city is usually congested during the day and peak traffic hours, primarily due to the unchanged roads in the city built during earlier times.
Owning a vehicle in India means it is mandatory to get insurance for it, and a car is no exception to that. Car insurance protects the car in case of any accidents or damages caused by other vehicles. In some insurance policies, liability coverage is also offered.
Multiple companies offer insurance policies with a reasonable premium, easy claims, and complete coverage. Some of the companies that provide these features are listed below.
Bajaj Allianz Car Insurance: Bajaj Allianz is one of the popular insurance companies that offer car insurance. Almost all models of cars can be covered under this insurance. They have monthly, quarterly, semi-annually, and upfront modes of payment of insurance premiums from which the customer can choose. The premium price also differs depending upon the method of payment, model of car, and type of coverage opted for. Their car insurance covers accidents, natural disasters, any repairs or malfunctions, any disability caused by the accident, the car's engine, any valuables inside the vehicle at the time of the accident, and spare parts. Claiming insurance at Bajaj Allianz is also made more accessible through the claim app, where one can enter the details and receive the claim within 20 minutes.
SBI Car Insurance: SBI Car Insurance protects people's cars with complete coverage and a maximum claim percentage. The insurance covers any death or physical disability caused by the accident, accidental damage or damage due to fire, damage caused by climatic changes, cyclones, hurricanes, landslides, etc., and LPG fuel tank (if fitted). If the insurance policy goes unclaimed for a particular year, SBI offers a No Claim Bonus (NCB), an added benefit. WhatsApp communication is encouraged for queries; even insurance claims can be filed. Once the car model, fuel type, and registration city are chosen, one can get a personalised quote or a call back that best describes the policy that suits their needs.
Royal Sundaram Motor Insurance: It is a famous car insurance company in Tamil Nadu with a claim rate of over 98%. They serve customers from all over the state, including Trichy. They offer regular coverages such as accident coverage, third-party liability, tyre coverage, windshield coverage, total damage coverage, and depreciating value coverage. The company has two apps, M-Chatra (to check policy details and file claims) and M-Inspect (to book a pre-inspection for your car).
Getting a low car insurance premium is a tough job and requires extensive research from the customer side. However, it is not impossible, especially in a large city like Trichy, where many options exist. Some of the best tips to reduce the payable premium are listed below.
Compare prices from different insurance providers: Picking out the best provider might be a challenging task. Companies have varying policies, coverages, claim rates, climbing procedures, and premium rates. Sometimes the vehicle listing might also differ. Comparing quotations from different companies can help narrow down the search. Visiting insurance company offices in person might also help.
Look out for discounts: Some insurance providers might have discounts for first-time users and drivers. If you are getting a new vehicle or switching to a new insurance company, ask them for discounts if they are available so that it might reduce your premium rate, at least for the initial months.
Proper driving experience and record: While opting for insurance, insurance companies ask for a driver's license and car documents to be clear about the customers' driving records and histories. Drivers with no history of accidents and good driving records usually get a lower premium because they are the least likely to cause accidents and file a claim. Taking a driving course and practicing careful driving might help reduce monthly premiums.
Avoid add-on coverages: Apart from the standard coverage policy, companies are trying to sell add-on coverages, which might increase the premium rate. Carefully sorting out and choosing the type of coverage needed can contribute greatly to deducting premiums.
One of the crucial features of an insurance policy that people look at is the insurance claim rate and process. The sole purpose of insurance is to protect the owner from any financial ruin in the event of an accident. This purpose is fulfilled only when the policy is claimed after the occurrence of the accident. It is wise to make sure that the claiming process is transparent and accessible in the insurance company before taking a policy there.
An insurance policy can be claimed through various methods. Some typical ways of claiming are by visiting
the nearby insurance office,
the company website, or
over a call
through the official app and
through the toll-free number provided by the insurance company
Applying for car insurance in Trichy is a relatively simple process. But one has to be careful throughout the process because any inaccuracy in the details or the documents provided might lead to fake documentation, and they might lose their money and not receive any claims.
As car insurance is mandated by the government, getting a good insurance policy will not be much hassle. Car insurance policies were typically purchased in-store, but recently, insurance policies are being listed online, and the entire process has been automated. Customers need to be extra careful in this online process, as failure to submit proper documents is a blunder that is more likely to occur while uploading documents.
To apply for car insurance, the concerned person
Must have a registered vehicle;
They must have a valid driving licence;
Must be above the age of 18, and
A good driving record is recommended.
These are some of the basic requirements needed from the customer side. However, these may not be sufficient, as companies require a separate set of documents to confirm the credibility of the customer and the vehicle.
Vehicle registration documents (RC Book)
Driving licence
A valid ID proof (Aadhaar card, passport, etc.)
Address proof (Aadhaar card, passport, electricity bill, etc.)
Documents of the previous insurance policy, if any
Previous vehicle Inspection Report or new vehicle Inspection Report
Once all these documents are submitted and verified by the company, the customer can sign and pay their upfront payment.
No, you can?t transfer policies. You probably should withdraw the policy, and the new owner must take out a new one. However, you may check this with your insurance provider. ### When is a car insurance claim usually rejected? If the driver has broken the law, filed the claim too late, and exceeded the policy rate, the claim will likely be rejected. ### What should I do if my insurance claim is rejected? If you think your claim is being unreasonably rejected, you can file for an appeal by a third party. ### Do natural disasters include fire accidents? Most insurance companies include fire accidents in their coverage, but they do not come under the natural disaster category. ### Can I add other people to my car insurance policy? Yes, you can add other people to your insurance policy as drivers. ### Can I drive a car without insurance in Trichy? No, you cannot drive a car without insurance in Trichy, or even in the whole country. ### What will happen if the police catch me without insurance in Trichy? If you are caught without insurance by the traffic police, you are likely to be fined. ### Can my insurance directly pay for my repairs instead of paying cash? Yes, they can directly pay for the garage or repair the car in one of their network garages without cash.