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Which Is Better: Online Or Offline Car Insurance?

Written by Saad Ahmad
Updated On Oct 18, 20232 min read

Which Is Better: Online Or Offline Car Insurance?

Purchasing auto insurance may be difficult and time-consuming, especially with so many alternatives available. The chances have grown even more with the advancement of technology and the emergence of online insurance. Car insurance requires a significant amount of effort and dedication. You may acquire insurance online or offline through an agent or broker.

Which Is Better: Online Or Offline Car Insurance?

Which Is Better: Online Or Offline Car Insurance?

Car insurance policies may now be purchased and renewed online, thanks to technological advancements. The difference between buying auto insurance online and offline is explained here:


For internet insurance, there is no need for an agent commission or brokerage fee, which may be passed on to the policyholder as a discount. Online insurance may provide new user discounts, year-end discounts, or other festival specials that are hard to get in offline insurance to attract users whereas when you acquire vehicle insurance offline, you must pay a fee to the broker/agent, which increases the cost of your policy. Furthermore, you may not be able to adequately evaluate different policies, read reviews, or make an informed selection.


Purchasing vehicle insurance coverage has never been easier or faster. All of the details are available in a single click, and the entire process of comparing the proposals, selecting the policy, examining the terms and conditions, and initiating the payment can be finished in just a few minutes thanks to new technology whereas you will, however, need to devote a significant amount of time to contacting the agent, negotiating the contract, selecting the policy, making the payment, and receiving the policy documents at your address. It will take you at least 2-3 days to finish everything.


In the case of online vehicle insurance, you may study the terms and conditions of the policy and make sure you fully understand the policy wording before you buy it. You may keep the contact details for future reference to ensure you get what you see and pay for whereas offline when you acquire vehicle insurance offline from a broker or an agent, you will only be able to access the actual policy documentation after paying a deposit. An agent can shape the wordings to win a contract. If you must purchase insurance offline, make sure it comes from a recognized and trustworthy provider.


Claim settlement is a straightforward procedure. The majority of businesses provide a great feature for filing claims online and tracking their progress. The claim/cashless process is sped faster when done online. You'll need to contact the broker when filing your claim but offline you will be required to personally see the broker/agent/insurer in order to provide claim forms, policy documentation, car registration, and insurance paperwork, among other items. This would need a significant amount of time for processing.


Customer service is available 24 hours a day, 7 days a week to answer any inquiries or problems you may have. There may be a scarcity of resources, and resolution processing time will be lengthy.

Take Away

Online vehicle insurance is better than offline car insurance, according to the factors presented in the previous sections. You must, however, consider these possibilities from your own unique viewpoint. Someone who isn't tech-savvy prefers the agent-based method, and is willing to sacrifice the internet benefits may prefer the conventional route. Take into account the following few points if you plan to acquire vehicle insurance before deciding whether to buy car insurance online or offline. In general, both offer advantages and disadvantages, so making an informed selection is critical.

Also Read: When buying a Tata AIG car insurance policy, avoid these blunders.

You'll find everything you need to know about vehicle insurance in DigiLocker




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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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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