2+ day, 11+ hour ago (521+ words) These days, buying car insurance is quicker and easier than ever. You no longer need to stop by an insurance office or wait on agents to complete your policy. A few clicks let you check out different options, purchase car insurance online, and get the policy papers delivered straight to your email. Still even with the ease of online insurance, keeping the correct documents handy makes the process smoother. This guide explains what papers you will need to buy or renew your car insurance online in India. Insurers need documents to verify your identity, car ownership, and vehicle condition. This helps prevent fraud, maintain accurate records, and decide the right premium. Proper documentation also supports smooth claim processing. When buying car insurance online, you simply upload the required files digitally through the insurer's app or website. When you purchase car…...

1+ mon, 6+ day ago (432+ words) When it comes to protecting your vehicle, understanding the type of coverage and selecting the right one is essential. In India, four-wheeler insurance policies are broadly classified as third-party car insurance and own damage cover. Many car owners often consider the two to be the same and wonder which one to choose." However, the protection each provides and what they exclude is quite different. Let us understand how these two types of covers differ and which one suits your needs better." Third-party insurance is the most basic and mandatory car insurance under the Motor Vehicles Act 1988. It covers the policyholder's legal liability in the event their vehicle causes injury, casualties or property damage to another person." This means if your car accidentally damages someone else's vehicle or injures a pedestrian, your insurer will compensate the affected party. However, a third-party…...

2+ mon, 4+ day ago (626+ words) Submitting a claim on a car insurance policy might seem overwhelming especially after an accident or unexpected damage. While your insurer is there to provide financial support, claims are often delayed'or even rejected'because of avoidable mistakes by policyholders. Knowing what not to do can help you save time, avoid stress, and ensure a smoother claims experience. In this article, we'll cover the most common mistakes people make while filing car insurance claims and how to avoid them. Failing to Notify Your Insurer Right Away One of the biggest mistakes car owners make is delaying the notification to their insurer after an accident or damage. Insurance companies usually require you to report the incident within a fixed timeframe. Missing this deadline can weaken your claim or even make it invalid. Tip: Always contact your insurance provider right away, even if the…...

2+ mon, 1+ week ago (437+ words) Looking for the best car insurance in India? Explore the top companies in 2025, including ACKO, ICICI Lombard, Digit, Bajaj Allianz, and HDFC Ergo. Compare claim ratios, coverage, and network garages to make an informed choice. In most Indian families, owning a car is what happiness and freedom look like No doubt, buying your own car makes your life more comfortable and easier, but don't forget that the shiny ride also brings a lot of responsibilities - the foremost being getting it insured....

3+ mon, 1+ week ago (858+ words) Buying your first car is an exciting milestone; it's a mix of pride, freedom, and practicality. Whether you're upgrading from public transport or just beginning your journey as a car owner, the experience is thrilling. However, amid the excitement of choosing the perfect model and planning road trips, many first-time buyers overlook a crucial part of the process: the insurance." Know Your Purpose: What Will You Use the Car For? Before you even begin exploring insurance or financing, assess your driving needs. Your driving habits directly influence the type of vehicle insurance you'll need. For example, if you plan on heavy usage or highway travel, a comprehensive car insurance policy is a safer bet than basic third-party car insurance. Insurance premiums are also affected by how and where you plan to use your car. Body Talk: Choose the Right Type…...

3+ mon, 4+ week ago (426+ words) However, amid the excitement of choosing the right model and finalising the paperwork, one important step is often overlooked'transferring the insurance policy. Why Insurance Transfer Is Non-Negotiable Under the Motor Vehicles Act, it is mandatory that car ownership must be transferred to the new owner within 14 days of purchase. While the Act doesn't explicitly penalise delays in updating the insurance, failing to transfer the policy can lead to own damage (OD) claim rejections because of mismatched ownership. This leaves the new owner financially vulnerable in the event of an accident. "An untransferred insurance policy puts both the buyer and seller at risk. When making a claim, mismatched ownership details can effectively render the insurance void, as if there were no coverage at all." ' Mallikarjun Mallannavar, Chief Claims Officer at Royal Sundaram Transferring car insurance is simpler than it sounds'and it's…...

4+ mon, 6+ day ago (749+ words) You can lower your Commercial Insurance premium without compromising on coverage. All it takes is a strategic approach to policy selection, workplace safety, and proactive risk management. Let's explore some proven ways to reduce premium costs while keeping your office shielded from potential risks. 1. Assess Your Coverage Requirements Avoid over-insuring. Policies with excessive add-ons might look robust but could quietly hike your premium without delivering much extra value. 2. Opt for a Higher Deductible A simple and effective way to reduce your premium is by opting for a higher deductible. The deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. By shouldering a bit more financial responsibility upfront, you signal to insurers that you're a low-risk policyholder. This often translates into lower monthly or annual premiums. Just ensure that your chosen deductible is…...

4+ mon, 2+ week ago (895+ words) Car insurance has changed a lot over the years with the advent of new technology. A big part of how insurance providers assess the risk of insuring a vehicle has changed with technologies like GPS tracking devices. If you own a car, learning how GPS trackers influence your comprehensive car insurance premium can help you make better decisions. This is especially true if you want to buy car insurance online or get more coverage for your current policy. How GPS Tracking Works in Vehicles? These technologies can always keep an eye on a number of parts of a car's operation, including -Location: Tracking the vehicle's whereabouts in real time. -Speed: Keeping an eye on drivers' speeds and finding cases of going too fast. -Mileage: Keeping track of the total distance travelled. -Time of Day Usage: Keeping track of when the…...

5+ mon, 1+ week ago (732+ words) Car insurance is the smartest investment decision that helps protect your dear four-wheeler against damage, theft, and even natural calamities, cutting you short of plausible financial losses. However, choosing an appropriate policy as per your specific requirements might be a difficult task, especially with different plans and agencies in the picture." To comply with the latest rules of legal compulsion, it is essential to buy car insurance online to be able to drive legally on the road. By comparing different insurance plans, you are provided with an in-depth analysis of different premium policies and coverage as per your vehicle's location, usage and concerns." With a handful of options by their side, it gets easier to make the appropriate choice that suits their specific needs. One of the best aspects of comparing different policies is that it's totally free of cost....

5+ mon, 2+ week ago (420+ words) SMPL Mumbai (Maharashtra) [India], June 14: Zuno General Insurance, a new-age digital insurer committed to making insurance easy, friendly and innovative, has introduced India's first real-time crash detection feature to its flagship Zuno Smart Drive car insurance....