Thiruvannamalai is a town in the Indian state of Tamil Nadu known for its ancient architecture, serene atmosphere and natural beauty, surrounded by hills and forests.
Owning a car in Thiruvannamalai can be a convenient way to get around and explore the town's surroundings. It offers more flexibility and independence compared to public transportation.
However, owning a car comes with responsibilities, such as ensuring the vehicle is well-maintained and having the necessary documents, permits and insurance. Car insurance is essential to protect yourself, your vehicle, and others in the event of an accident or damage. Without insurance, you may face financial difficulties in covering the expenses of repairs or medical bills.
Thiruvannamalai enjoys being serviced by most of the popular insurance companies in India. Each company offers different plans with varying coverage and benefits.
Here are the top car insurance plans available in Thiruvannamalai:
ICICI Lombard: The policy begins at ?2,094 per month with a network of over 5,100 garages and roadside assistance. It covers accidents, natural calamities and theft, and even provides fire and personal belongings accident cover. You also enjoy up to ?15 lakhs in personal accident cover. Policyholders will get instant claim settlement through InstaSpect.
New India Assurance: Starting at ?2,727 per month, the comprehensive car insurance policies allow self-video claims and guarantee reimbursement within 7 days for non-cashless payments. They offer two types of car insurance - Motor Liability Only Policy and Motor Package Policy.
The former covers Owners' liability toward Third Party Personal Injury and Property Damage while the latter covers the same along with towing charges and loss or damage caused to the vehicle due to an accident, Fire, Explosion, Self Ignition, Lightning, Burglary, House Breaking, Theft, Riots, Earthquakes, Flood, Typhoon, Hurricane, Storm, Cyclones, Malicious Acts, Terrorism, and Transit by rail/road, air and waterways.
Bajaj Alliance: The comprehensive car insurance plans start from ?2,868 per month with coverage of ?15 lakhs to the owner-driver of the car while driving or travelling. Your car will also be insured against any damage caused by natural or man-made calamities.
The plan covers third-party legal liability where any damage of property or loss of life occurs to a third-party individual. You can opt for add-ons which include 24/7 roadside assistance, conveyance benefits and key replacement.
Here are some tips that will help you get car insurance at a low price.
Compare insurance policies: Before choosing an insurance policy, compare the different plans offered by different insurance providers. This will give you an idea of the coverage and the premium rates charged by each company.
Choose a higher deductible: A deductible is an amount you need to pay out of pocket before the insurance company starts paying for the damages. By choosing a higher deductible, you can reduce your premium rates.
Opt for anti-theft devices: Installing anti-theft devices such as alarms, immobilizers, and GPS tracking systems can make your car more secure and reduce the chances of theft. Insurance providers may offer discounts on premium rates for cars with such devices installed.
Drive safely: Maintaining a good driving record can help you get lower premium rates. Insurance providers usually offer discounts to policyholders who have a good driving history and have not made any claims in the past.
Check for discounts: Some insurance providers may offer discounts on premium rates for policyholders who belong to certain professions or organizations. Check with your insurance provider to see if you qualify for any such discounts.
Renew your policy on time: Renewing your policy on time can help you avoid additional charges such as late fees and penalties. Some insurance providers may also offer discounts for timely renewal.
Remember, while getting a low premium rate is important, it is also essential to ensure that your insurance policy provides adequate coverage in case of an accident or damage to your car.
Filing a car insurance claim can be a complex process, but here are the general steps that you can follow:
Inform the police: If you are involved in an accident, inform the police immediately and file a First Information Report (FIR). This will be needed when filing your claim.
Contact your insurance company: Get in touch with your insurance company as soon as possible and inform them about the accident. Provide them with all the necessary details such as the date, time, location of the accident, and the extent of the damages. Most car insurance providers will have an online portal or app where you can file the claim.
Collect evidence: Gather evidence such as photographs of the damaged vehicle, the scene of the accident, and the other driver's details such as their name, contact number and insurance policy number.
File the claim: Submit a claim form along with the required documents such as the FIR, policy document, driving license, and registration certificate to your insurance company. Some insurance companies allow online filing of claims as well.
Get the vehicle inspected: Your insurance company may ask you to get your vehicle inspected by an authorized garage before approving the claim.
Get an estimate: After the inspection, the garage will provide an estimate of the repair costs. This estimate will be sent to the insurance company for approval.
Approval of claim: Once the insurance company approves the claim, the garage will proceed with the repairs.
Payment of the claim: After the repairs are completed, the insurance company will settle the claim amount as per the policy terms and conditions.
It is essential to inform your insurance company as soon as possible and provide accurate and detailed information to ensure a smooth claims process. Keep all the necessary documents handy to file a claim quickly and efficiently.
To apply for a car insurance policy, you may need to provide the following information and documents:
Personal details: Your full name, address, contact number, email address and date of birth.
Vehicle details: Make, model, variant, year of manufacture, registration number and type of fuel.
Previous insurance policy details: If you already have a car insurance policy, you may need to provide the details of your existing policy, including the policy number, expiry date, and any previous claims made.
Driving history: Your driving history including the number of years you have held a driver's license, any previous accidents, traffic violations and claims history.
ID proof: You may need to provide a copy of your driving license, PAN card, or any other government-issued ID proof.
Vehicle-related documents: You may need to provide a copy of your car's registration certificate (RC), pollution under control (PUC) certificate, and any other relevant documents.
Payment details: You may need to provide payment details such as your bank account or credit card information for payment of the premium.
It is important to provide accurate and up-to-date information when applying for a car insurance policy. Any discrepancies or false information can result in the rejection of your application or cancellation of the policy.
It is always best to check with the insurance provider for their specific document requirements and guidelines to ensure a smooth and hassle-free application process.
Here are the documents usually required for applying for car insurance:
Vehicle registration certificate (RC).
Previous insurance policy papers (if applicable).
Identity proof such as PAN card, Aadhaar card, Passport, Voter ID, or any other government-issued ID proof.
Address proof such as utility bills, rental agreement, or any other government-issued address proof.
PUC certificate (Pollution Under Control certificate).
Cheque or online payment proof of the premium paid.
To renew your car insurance, you must contact the agent as soon as you realize your car insurance coverage has expired.
Deductibles are the amount that you have to pay from your pocket in the case of a claim settlement, while the rest of the amount is paid by the insurance company.
A car insurance policy can't be canceled unless you already have an insurance policy on your car or if you're selling your car.
It is mandatory to inform your RTO and your insurance company about any installations or changes done to the car.
Some instances where the company can reject your claim include if you've made the repair already or if any modifications were made to the car without informing the RTO or insurance company.
It is recommended to get a comprehensive insurance plan as it protects you against third-party liabilities.
If you do not make a single claim during the entire duration of the policy, you will be offered a discount or bonus when renewing your insurance plan.