What is Car Insurance?

Vehicle protection or four wheeler protection is an understanding between a vehicle owner and the insurance provider that offers security for four-wheelers on account of monetary misfortunes because of unanticipated occasions like mishaps and normal catastrophes. This agreement as a general rule, is seen as a piece of paper to be kept in the dashboard of the vehicle and to be taken out just on the off chance that the traffic cops at any point asks you for papers. In any case, that is not all! This paper monetarily safeguards your four wheeler if there should be an occurrence of harm or misfortune through a mishap.

On occasion, you might wind up harming others or harming property in an accident. A vehicle insurance contract covers such third party liabilities too. On the off chance that you own a vehicle in India, having third party insurance is an unquestionable requirement for you.

Besides ADFPOLICY provides insurance from 35 plus Insurers at affordable and lowest rate , our dependable vehicle insurance contract safeguards you against this large number of dangers with the goal that you can drive straightforward. Apart having vehicle insurance, third-party only and own-damage only car insurance policies are also available. You can pick the approach type according to your necessities.

ADFPOLICY is committed to provide comparison quotes from 20 plus insurance companies at lowest premium and maximum discount across India, you can buy online policy for your car within 2 minutes.

Key Features of Car Insurance Policy

Different Types Of Car Insurance Policy

A car insurance policy is a protection shield for your car against any damages caused by natural calamities such as floods, earthquakes, cyclones, accidents, thefts, etc. There are three types of car insurance policies:

• Private Car Package Policy

  An extensive vehicle insurance contract offers total security to you. It covers not only the costs incurred on damages to a third party but also the damages to your car. This strategy type likewise covers vehicle robbery and harms brought about by fire, theft and cataclysmic events.

• Stand-alone Own Damage Car Insurance

  With our stand-alone damage vehicle protection, you are covered for any inadvertent harms to your vehicle. These could be because of natural disasters like tremor, flood, twister, and avalanche, or due to manmade disaster like robbery, theft, uproar or strike. To purchase this insurance, you should have an active third party insurance policy of the vehicle.

• Third Party Car Insurance

  In this sort of insurance contract, you are covered against legitimate liabilities emerging out of an accident. In the event that your vehicle makes wounds an outsider or harms encompassing property, then we will deal with the costs.

Why Do You Need Car Insurance?

• Protection From Third-party Liability

  Third-party responsibility arises when the insured four-wheeler causes inadvertent damage to a third-party vehicle or property, or when an outer individual sustains injuries. Third-party car insurance, or even a comprehensive vehicle protection contract, covers these third-party obligations and protects the policyholder of the insured vehicle from financial loss. At ADFPOLICY, we provide four-wheeler insurance policies that provide both necessary and extensive protection cover to safeguard you from a wide range of dangers.

• Compliance With The Law

  Driving without vehicle insurance might result in an Rs.2000 punishment under the new Motor Vehicle Act 2019A. If you are caught a second time, the penalty is Rs.10,000.

• Personal Accident Cover

  Personal accident protection of up to 15 lakhs is available with a car insurance policy, according to recommendations established by the Insurance Regulatory and Development Authority of India, in the case of physical injury, incapacity, or even death of the policyholder or owner-driver of the vehicle.

• Protection Against Financial Losses

  On the off chance that there is a knock or profound scratch on your vehicle because of an unintentional crash or a destructive accident can lead to financial loss. Here, an own harm cover or thorough vehicle protection is helpful as they offer total security to the guaranteed vehicle from different sorts of harms, right from theft and accidents to harm because of natural disaster and more.

  A knock or major dent on your automobile due to an accident or vandalism might result in financial losses. An own damage cover or comprehensive car insurance is essential in this situation since it protects the covered vehicle from all types of damages, from theft and accidents to damage caused by natural disasters and more.

• Gives Easy Access To Cashless Garages

  All our insurers have a network of cashless garages that will take care of your automobile if it has been damaged. They pay for the repairs based on the claim and settle the balance immediately with the garage. You just need to take vehicle to garage or inform on 24x7 Support Assistance to take care and relax , rest of work will be done by our support team and insurance company team .

What Is Covered By Car Insurance Policy Purchased From ADFPOLICY?

Inclusion

• Natural calamities such as earthquakes, floods, fires, and storms are covered.

• In collaboration garages, cashless repairs are available.

• Protection against theft, accidents, and terrorist activities.

• Damage or loss brought on by mutiny, war, or nuclear peril.

• Coverage for third-party legal obligations.

Exclusion

• Car deterioration and ageing.

• Any subsequent loss.

• Damages caused by driving without a valid driver’s licence.

• Mechanical or electrical breakdown.

• Wilful Damage to the Vehicle.

How Does Car Insurance Policy at ADFPOLICY Works?

• Coverage For Roadside Assistance

  Towing to network garage, battery jumpstart, simple repairs, on-call help, and taxi benefits are available in the event of a breakdown or accident.

• Cover For Engine Protection

  Driving without auto insurance might result in an Rs.2000 punishment under the new Motor Vehicle Act 2019A. If you are caught a second time, the penalty is Rs.400.

• Consumables Protect the Cover

  Pays for nut and bolt, screw, washer, grease, lubrication, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, break oil, and associated components maintenance or replacement.

• Coverage For Zero Depreciation

  The value of your car’s parts declines or depreciates as it ages. When you file a claim, Zero Dep. Pays you for the claim amount that is deducted due to depreciation.

• Coverage For Personal Items Loss

  Covers personal belongings, like your laptop, phone, and clothing. It protects you in the event that certain items go lost from your automobile or are destroyed in an accident.

• Coverage For Third Party Loss

  Covers loss to individual or property belonging to other than vehicle owner due to accident etc.

Why Should You Buy A Car Insurance Policy Online?

• Instant Quotations

• Quick and hassle-free policy

• Online advice from industry experts

• Digital policy issuance

• No paperwork

• Transparent Processes

• Lowest Premium

• Higher IDV and maximum coverage

• Choice from multiple comparisons

Things To Keep In Mind While Buying A Car Insurance Policy

• Policy Protection

  Examine the policy’s inclusions and exclusions carefully to determine what is and is not covered. Select the appropriate policy and coverage to guarantee that you are adequately protected in the event of a claim.

• Add-ons

  Add-ons provide significant benefits for a small additional fee, and each one serves a unique purpose. Examine them carefully and select the ones that will adequately protect your vehicle from unintentional harm.

• Advantages Of Service

  The availability of cashless garages, a straightforward claims process, and dependable customer service are all required.

• Declared Insured Declared Value (IDV)

  While picking a lower IDV may save you money on premiums, however it will benefit you in the event of a claim if you acquire an IDV near to your car’s market value when purchasing the insurance.