Hummer Car Insurance

Hummer cars were originally manufactured by AM General Corporation that used to be a division of AMC Jeep's General Products. Hummer was a brand of SUVs and trucks when it was first marketed in 1992. It was the time when AM General started selling a civilian version of the M998 Humvee car. After getting discontinued in 2010, Hummer cars are to be back as the sub-brand of GMC from 2021. In 1998, General Motors (GM) bought the brand name from AM General and launched the Hummer H1, H2 and H3 models. In 2010, the dealerships of Hummer began to shut down but in 2020, it returned not as a different brand but with two models comprising an SUV and Electric pickup truck that were to be sold under the GMC brand with the name "GMC Hummer EV", the manufacturing of which is scheduled to begin in 2021.

Hummer Car Insurance

When you buy a Hummer car, it is also essential to carry car insurance with driving it. Car insurance covers the damage or loss sustained by your car. It provides financial assistance to policyholders in adverse circumstances or uncertainties comprising accidents, fire, vandalism, natural disasters and manmade calamities. To hold an own-damage or comprehensive car insurance plan can help you get over almost all types of hardships arising with the collision of the insured car.

To hold at least a third party insurance while driving a Hummer car is a compulsion. This coverage is designed to look after your incurred liabilities towards third-party for their injuries, death and property damage. The compensation for property damage is limited to Rs 7.5 lakh. If you get caught driving a Hummer car without a third-party insurance cover, it will get you punished with a penalty of Rs. 2,000 and/or imprisonment for up to 3 months.

The premium for third-party cover is uniform while the premium own-damage and comprehensive insurance plan are based on the Insured Declared Value of the car, which is computed by deducting the depreciation rate from the selling price of the car. The IDV can be referred to the maximum amount of compensation an insurance company is entitled to offer in case of an accident or a mishap. The depreciation of the car increases with its age, hence, the older the car will be, the lesser the premium will be.

To enhance the car insurance policy cover of your Hummer car, you can purchase different types of add-on covers. They are optional covers including which can enhance the coverage as well as the premium of the car insurance. Add-on covers are designed to provide flexibility to every individual’s needs. Let’s discuss some top add-on cover that you should buy for your Hummer car:

• Roadside Assistance Cover: No matter how good your car is, it is a machine at the end and can break down anytime anywhere. Roadside assistance add-on cover could be a great addition to your car insurance plan as it is framed to help you on the spot of accident or mishap by getting your car to reach the nearest service centre or arranging a mechanic for on-site repairs, fuel delivery, etc.
• Consumables Cover: Whenever a car is repaired at a garage, a lot of consumables are used in the process that can cost a lot. The consumables add-on cover is meant to cover such expenses and help you bring your repair cost low. The compensation offered under this cover is for different sorts of consumables such as grease, lubricant, coolant, air conditioner gas and bearings, oil filter, etc.
• Zero Depreciation Cover: This is the most common add-on cover that most car owners hold. It negates the depreciation rate when the insurance provider calculates the settlement amount. However, the add-on cover is available only for cars not more than five years of age and can be availed only a limited number of times within a year.

Car Insurance Renewal Process for Hummer Cars

The online renewal process is easy, quick, easy and seamless. To renew car insurance for Hummer car is compulsory to continue to avail its benefits without any break. Hence, you must try to renew your car insurance plan before its expiry date to protect it from getting lapsed. Here are a few steps to renew a car insurance policy online at the InsuranceDekho platform:

Step 1: Visit the official website of InsuranceDekho and select the ‘Car’ tab.

Step 2: Enter the Registration Number of your car and click on the ‘Proceed’ link. Choose your Hummer car’s variant and fuel type to move ahead. If you don’t know the registration number, you can choose the ‘Don't know your car number?’ option and select the brand, fuel type, variant, etc., of your Hummer car to continue.

Step 3: Enter the date of expiry of your last policy and the name of your previous insurer. Also, you must share the status of your car insurance claim during the last policy year and click on the ‘Continue’ tab to proceed.

Step 4: Enter your personal details like your name, mobile number and duration for which you wish to insure your car and click on the ‘Submit and Get Quotes’ tab.

Step 5: Different car insurance policy premium quotes from different insurers will appear. Compare and choose a quote based on your needs and budget. You can also add some add-on covers to your policy at this step.

Step 6: Click on the ‘Buy Now’ button and confirm all the entered data before making the payment. You can pay with different payment gateways like debit or credit card, digital wallets, etc. Once the payment is made, the car insurance policy document will be issued and sent directly to your registered Email ID.

Claim Cashless Car Insurance For Hummer Cars

The cashless car insurance facility allows you to repair your Hummer car at the insurer’s network garage. To avail of this cashless claim option, you have to inform your insurance company soon after an accident to initiate the procedure. The best part of this feature is that it allows you to get your Hummer car repaired at a network garage after an accident or a mishap without paying anything as the insurance company settles the repair bill on the policyholder’s behalf under this facility.

The feature releases you from making a sudden payment for repair bills after a mishap. Also, the cashless claim process requires lesser documents for submission and fewer formalities to go through when compared to the reimbursement process. A surveyor is sent by the insurance provider to the accident spot to examine the damage extent that expedites the process and makes it transparent. The insurance companies add only the best service centres to their network garages that enable you to get the best repair services for free.

Renew Expired Policy for Hummer Cars

A car insurance policy comes with a validity that needs to be extended with timely renewal. The expiry of policy can make policyholders lose different types of benefits like a legal violation, loss of policy coverage, and cancellation of No Claim Bonus. Driving a car with an expired car insurance policy can get you penalised. It can also deprive you of getting any compensation for damages and losses incurred by your car and with the termination of NCB benefit, you also may have to pay a higher premium. Therefore, it is suggested that you should give up driving your car with an expired policy and get in touch with your insurance agent or insurer for its renewal.

To renew your car insurance policy for your Hummer car, the insurer will send a representative to review the condition of the insured car. You should be ready with some documents that to present before the surveyor including a car registration certificate, copy of expired car insurance policy, RTO address, documents stating car details, etc. However, you can also renew your car insurance plan within a grace period of 90 days through online and offline methods. Since the online renewal method holds a range of benefits such as less documentation, easy access to your insurer, safe and secured payment options, and so on, therefore, it is always preferred.