Your car is more than just a way to get from one point to another point —it's your companion on every journey. With private car insurance, you can drive with confidence, knowing you're protected no matter where the road takes you. From daily drives to spontaneous trips, you are always covered.

Accidents and unexpected events can happen, but with the right insurance, you will be prepared for anything. Don't leave your safety to chance—secure your ride today. Drive with peace of mind, knowing you're protected every step of the way.

What does it include?

Private car insurance typically includes the following coverages:

• Theft: Protection against financial loss if your car is stolen.

• Fire: Covers damages and losses caused by accidental fires to your vehicle.

• Natural Disasters: Protects against damages from natural calamities like floods, cyclones, earthquakes, etc.

• Personal Accident: Provides compensation in case of the owner's death or disability due to a car accident.

• Third-Party Losses: Covers damages or injuries caused to another person, their property, or vehicle by your car.

What does it not include?

Private car insurance does not provide coverage for the following situations:

• Drunk Driving or Driving Without a License: Claims will be denied if you are driving under the influence of alcohol or without a valid license.

• Driving Without a Valid Supervisor: Coverage will be invalid if you hold a learner's license and are driving without a licensed individual seated in the front passenger seat.

• Consequential Damages: Damage caused by actions after the accident, not the accident itself (e.g., engine damage from driving a damaged car).

• Contributory Negligence: Damage caused by ignoring guidelines, like driving through a flood against advice, won't be covered.

• Add-ons Not Purchased: Claims for situations covered by optional add-ons won't be accepted if you haven't bought them.

Basic terms related to Car Insurance

Basic terms related to car insurance:

1. Third-Party Liability Coverage: Covers damages or injuries caused by your car to another person, vehicle, or property, as per legal requirements.

2. Comprehensive Coverage: Offers broader protection, covering both third-party liabilities and damages to your car from accidents, theft, or natural disasters.

3. Car Insurance Premium: The amount you pay to the insurer to maintain your policy, usually on an annual basis.

4. Insured Declared Value (IDV): The maximum amount you'll be compensated if your car is stolen or completely damaged, based on its current market value.

5. Deductibles: The portion of a claim you agree to pay out-of-pocket before the insurer covers the rest.

6. No Claim Bonus (NCB): A discount on your premium for not making any claims during the previous policy term.

7. Cashless Garages: Partner garages where you can get your car repaired without paying upfront, as the insurer settles the bill directly.

8. Policy Endorsement: A change or update made to your insurance policy, such as adding a new owner or correcting details.

9. Add-On Covers: Optional benefits like engine protection or roadside assistance that you can include in your policy for extra coverage.

10. Personal Accident Cover: Provides financial support in case of injury, disability, or death of the car owner due to an accident.

Factors to Consider When Choosing Car Insurance with Policy.Online

Key factors to consider when selecting a car insurance plan:

1. Compare and Choose Smartly

With so many options available, it's important to do your research. Policy.Online helps you find plans offering comprehensive coverage at the best prices. Plus, you can select insurers with high claim settlement ratios and a wide network of cashless garages for added convenience.

2. Fuel Type Matters

Cars with diesel engines typically have higher premiums because they are costlier and have a higher Insured Declared Value (IDV) compared to petrol or CNG vehicles.

3. Coverage Type

The type of coverage you choose impacts your premium. Ensure you find a plan that meets your needs without unnecessary compromises, offering both basic and advanced coverage options.

4. Mandatory Third-Party Insurance

As per the Indian Motor Vehicles Act, third-party insurance is a legal requirement. This basic coverage is often bundled with your car purchase and included in the cost.

5. Get the Best Quotes

Don't settle for the first option! Policy.Online allows you to compare multiple quotes from trusted insurers, helping you find the perfect balance between premiums and benefits.

Private Car Insurance vs Commercial Car Insurance

Key differences between Private Car Insurance and Commercial Car Insurance:

1. Purpose of Use

• Private Car Insurance: Covers vehicles used for personal, non-commercial purposes such as commuting or leisure trips.

• Commercial Car Insurance: Covers vehicles used for business purposes like transporting goods, passengers, or for professional services (e.g., taxis, delivery trucks).

2. Premium Costs

• Private Car Insurance: Typically has lower premiums because the vehicle is used less frequently and for personal use.

• Commercial Car Insurance: Premiums are generally higher due to the increased risk associated with business use, longer hours on the road, and the potential for more damage or accidents.

3. Coverage Scope

• Private Car Insurance: Primarily covers damage to the car and third-party liability for personal use situations.

• Commercial Car Insurance: Includes broader coverage, often including liability for transporting goods or passengers, and sometimes more extensive protection for the vehicle's commercial use.

Conclusion

Choosing the right car insurance is essential to keep your vehicle protected. Understanding the coverage, exclusions, and add-ons of private car insurance helps you make smart decisions. With Policy.Online, finding the perfect plan is simple and convenient. Get your quote now and secure your car with the perfect coverage!