Why Choose Car Insurance Offline When You Have Online Options?

There are certain things which we as human cannot control. It holds true when you are on road driving your vehicle. Thus, to safeguard yourself and fellow passengers, it is crucial for you to have a comprehensive car insurance policy. If not comprehensive, then having third party liability insurance is a must under the provision of the Motor Vehicles Act, 1988.   

These days, availing insurance policies online has become easier than ever. So, buying car insurance online in India can be done in just few clicks.  

Let us look at these reasons which have shifted the focus of individuals from offline to online mode for buying insurance.

1. Cost-Effectiveness

When you choose to buy car insurance online, you are the one making decision based on your budget, coverage, or benefits, as there is no agent forcing, compelling or influencing your decision. An online platform allows you to choose the best insurance policy without letting you incur costs, pertaining to agent’s commission, documentation, and other facets. As a result, you buy insurance at relatively low price compared to offline.

2. Effortless and Quick

Gone are the days when people used to call insurers or agents to get quotes and choose the one that fits their requirements. With the help of online platforms, you can easily zero in on the policy that is best suitable to you and buy it in simple steps. The best aspect of buying insurance online is you can do it anywhere anytime.

3. Easy Access to your Documents

One of the biggest advantages of buying car insurance online is you can access your policy documents any time you need them. So, in case you miss the hard copies, you do not have to rush to your insurer as you already have the access to the saved soft copies, which you can produce whenever required.

So now that you know the perks of buying car insurance online in India, you can now do it with more confidence. However, be sure you read all the terms and conditions and scope of the coverage, and do not hesitate to call the customer service in case you have any queries. 

Points To Check While Buying a Comprehensive 4 Wheeler Insurance

Road accidents and other mishaps do not happen with a prior forecast, and it can happen to anyone. Hence, the government has made it mandatory to at least have third party car insurance for every car owner. Nonetheless, this insurance covers only the damage caused to the third party during accident, and in order to have a better cover of one’s own vehicle, one can go for one of the comprehensive 4 wheeler insurance plans available in the market.

Buying the right insurance policy is equally important as it is to buy the right vehicle. Here is a mention of some essential points, which need to be kept in mind while buying a 4 wheeler insurance policy:

1.  Have a clarity about what all is covered by your policy 

This is the most basic yet one of the most criteria when it comes to buying an insurance policy for your 4 wheeler. Usually theft and accidental damage are covered under a standard insurance policy. However, some parts of your vehicle do not get full coverage. Getting to know about what all is covered in the policy is important.

2. Know about the add-on plans

As the name says it, add-ons offer additional benefits that you can get in case of several events or damages along with the usual benefits that your insurance policy offers.

3.  Customize your car but not at the verge of risking your insurance policy

When you make some changes in your car or customize it, make sure you do not compromise your insurance policy. Do read the instructions carefully before you plan to make any change in the vehicle.

4. You requirements are important!

There would be no surprise if you get overwhelmed with the choices available. However, you need to buy a policy which is most suitable and meets all your requirements.  

So before buying a suitable comprehensive 4 wheeler insurance policy, make sure you evaluate your requirements and then make your final decision.