Ford Ecosport Insurance

The best car insurance you can purchase for your Ecosport is one that suits your requirements and price point. The easiest way to find such a policy is to purchase your car insurance policy online. Online you can compare the different car insurance companies, the quotes they offer and their network of cashless garages with just a few clicks. Moreover, if you have any doubts about car insurance in general you can read the many articles that are available online.

Yes, your car insurance provider will compensate for the car’s shattered windshield if you have an own damage cover. An own damage cover takes care of your car in a number of situations such as road accident, theft, vandalism, natural and manmade calamities. However, keep in mind, if there was any kind of illegal driving involved in the mishap the insurance provider is not expected to compensate for the cost of the damages.

Yes, your second-hand Ecosport and every other car driving on Indian roads is expected to own third party insurance. This type of coverage takes care of third party liabilities in case of a mishap including bodily injuries, death and property damage. Moreover, if you are caught without it you can be fined up to Rs. 2,000 and/or be imprisoned for up to 3 months.

The insurance premium of your Ecosport is determined by the Insured Declared Value or the IDV of the car. This is the maximum amount of compensation the insurance provider will give the policyholder in case of a mishap and takes into account the depreciation rate of the car.

To claim car insurance follow the below-mentioned steps:

• Step 1: File an FIR at the nearest police station. You will require a copy of the document for the claim process.
• Step 2: Inform the insurance provider about the situation and also make sure to confirm the list of documents you need to provide. They may differ according to your situation and/or insurance provider’s requirements.
• Step 3: Submit the necessary documents along with the claim form duly filled to the insurance provider.
• Step 4: If the car needs to be repaired the insurance provider will first send a surveyor. They will assess the damage, draw up a report and then your claim will go through a verification process before it can be approved.
• Step 5: Once the claim is approved you can take it to a garage and get it repaired. If you choose to go to a network garage the insurance company will settle the bill in a cashless manner.

The No Claim Bonus is the reward given by the insurance provider to the policyholder for every claim-free year with an own damage cover. The reward is cumulative in nature going up to fifty per cent in the fifth year.

The zero depreciation cover is an add-on cover that can be purchased with any own-damage cover. It negates the depreciation rate of the car at the time of claim settlement making it significantly higher. However, the add-on is only available for cars that are less than five years old and can be used only a limited number of times within a year.

The Insured Declared Value of a car can be calculated by deducting the depreciation rate of the car from its manufacturer’s selling price.

The following steps will guide you in renewing your car insurance policy online:

• Step 1: Visit the InsuranceDekho website and select ‘car insurance’ and ‘renewal from the drop-down menu that appears.
• Step 2: Enter your car’s registration number, its fuel type and variant. Next enter your previous policy’s expiry date, name of the insurance provider and claim details if any.
• Step 3: Enter the duration of the policy and your personal contact details. Once entered click on ‘Submit and Get Quotes’.
• Step 4: The quotes available in your category will be visible on the screen. Select the policy and add-ons that fulfil your requirements.
• Step 5: Make the payment for your selected policy and the insurance document will be sent to your registered email ID.