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Learn How Is It Possible To Insure Your Car Online

Updated On Oct 18, 2023

Learn How Is It Possible To Insure Your Car Online

Your four-wheeler is protected financially if it is lost or damaged as a result of theft, fire, or a natural catastrophe thanks to car insurance. It also offers financial protection against losses or damages brought on to a third party's property or to their person. Vehicle insurance plans may be broken down into three subcategories - comprehensive car insurance, stand-alone or own-damage coverage, and third-party car insurance.

All automobile owners are required to have at least third-party insurance, as per the Motor Vehicles Act of 1988. The policyholder of this insurance policy is given the fundamental protection against third-party liability. To find out more on getting car insurance online, read on.

Learn How Is It Possible To Insure Your Car Online

What Are The Different Types Of Cover That People Should Know About?

Accidents sometimes happen, despite our best efforts to prevent them, and we often have very little to no control regarding them. They may actually turn out badly for the parties concerned. Even though it only accounts for 1% of all cars on the planet, it has the greatest mortality toll from traffic accidents. Low insurance awareness in this situation may be harmful to not just one, but to both parties. The legislation had required a third-party liability protection for all cars being driven in both personal and business capacity in 2019 due to the rather evident necessity for insurance. Third-party insurance protects the harm your car does to a third party in the event of an accident.

However, in the case of an accident, this provides no risk protection for you or your car. Therefore, it is advised that all automobile owners get a comprehensive insurance plan that also covers their personal damage. This is particularly true if your automobile is brand new and gets a lot of use. You should also take into account the fact that new car owners are now required by law to obtain a one-year comprehensive, three-year third-party insurance coverage at the moment they buy the vehicle. The owner is only obliged to buy a standalone own damage coverage for the second and third years. Your automobile has to be secured from a variety of threats in addition to accidents. Your automobile will be protected from accidents as well as other unfortunate occurrences with comprehensive insurance.

How To Purchase Insurance Online?

A significant digital change that is taking place throughout the world and that is being driven by COVID-19 has been permeating all industries for a while. The usual insurance purchasing process entails scheduling in-person appointments with brokers and, even then, selecting from a small selection of possibilities.

The Covid scenario has made social isolation the new norm. After the introduction of the online option, purchasing insurance has become significantly simpler as we adjust to a contactless world. Every insurer around nowadays offers a variety of plans, which you may compare and choose the one that best suits you. Making an internet purchase is far less time-consuming and quicker. Not only this, but you may significantly lower your premium with internet insurance compared to offline insurance.

Online auto insurance is surrounded by a lot of myths. For instance, consumers believe that the likelihood of a claim being rejected online is greater. This is not accurate at all, though. Online claims settlement is more simple and relieves your burden. The online method is always more easy and more secure at these times, even when it comes to renewal or if you choose to transfer insurance providers.

What Exactly Is The Claim Settlement Ratio?

One of the most crucial comparative criteria that automobile owners should consider before making a purchase is this. When compared to the total number of claims processed in a year, this ratio reveals how many claims the insurance company has successfully resolved. The best option for you would be an insurance with a claim settlement ratio of more than 90%. A low CSR not only points to a potentially unresolved insurance claim, but also to a difficult claim settlement procedure.


The availability of information on the state of their vehicles at their fingertips has been made simple for automobile owners thanks to digitization. Additionally, purchasing affordable insurance plans and renewing them before expiration have gotten more and more simple for clients.

Also Read: 

What Is Inspection In Car Insurance?

How Is Premium For Car Insurance Policy Calculated?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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