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Why Should You Purchase Car Insurance From Online Insurance Broker?

Written by Sumit Arora
Updated On Aug 10, 20212 min read

Here are some top reasons that help you know why you should buy a car insurance plan from an online insurance broker.

Whenever you buy a car, it should be insured at least by third-party car insurance. Since the liability cover compensates only for third party liabilities, you should purchase a comprehensive cover to give your car all-around protection. With the expansion of the internet, almost everything is available online due to which it is quite easier to buy an insurance policy nowadays through car insurance online brokers. 

Why Should You Purchase Car Insurance From Online Insurance Broker?

Reasons to Purchase Car Insurance From Online Insurance Broker

You can buy a car insurance plan through online insurance brokers due to the reasons given below:

1. Easy and Economical Purchase

Purchasing a car insurance plan online makes the buying process easier. The purchase process is completely online without any tedious paperwork. You just have to enter the required details correctly that makes the process simple and swift. An online policy is available at an economical price than the offline car insurance plan as the commission fee of agents is excluded from the former.

2. Simple to Make Comparison

While purchasing a car insurance policy through an online insurance broker, you get the facility to compare various plans online offered by different insurers based on their policy coverage, add-on covers and premium costs, which you can get through the online car insurance premium calculator. The comparison option gives you a perfect idea that helps you manage your expenditure accordingly.

3. Rapid Policy Renewal Process

Every car insurance plan comes with an expiry date. When the validity of the policy is going to end, policyholders have to renew the policy to keep enjoying the benefits of that policy. Failing to renew the policy will get your plan lapsed and its benefits will be terminated. For renewing a policy purchased offline, you will have to renew it with the help of an insurance agent by paying his or her fee, while you can renew the plan by paying the premium online if you have purchased it online.

You may also like to read:- How To Renew SBI Car Insurance Plan? 

4. Instant Policy Issuance

When you buy a car insurance plan online, the online insurance broker helps you get the policy by issuing it in your name within a few minutes. The moment you make the payment for the policy, the insurance broker sends you a confirmation to your registered email ID. But if you have purchased a policy offline, you will have to wait for a few days to get your car insurance policy issued.

5. Ensures Transparency and Convenience

When you buy a car insurance plan offline, an agent visits you from the insurance company to help you understand important details of the policy. But, sometimes, they miss on some points due to human error that raises some problems for you during the policy tenure. Therefore, buying a policy through online insurance brokers can make the process clear and convenient as all the details of the plan are clearly visible online such as claim settlement ratio, incurred claim ratio, etc, of insurers to validate their credibility.

Also Read:- Things To Keep In Mind About A Car Insurance Claim Inspection


Buying a car insurance plan through online insurance brokers makes the purchase process easier for the customers. They offer multiple benefits to insurance seekers which offline insurance agents fail to deliver. In this write-up, some reasons are mentioned as to why you must opt for an online insurance broker in comparison to offline agents. We hope going through the aforementioned points will help you get the clear difference between both the purchasing scenarios.

Disclaimer: 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 Sumit Arora
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 Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequent columnist and speaker at major insurer conventions and is a heard name in insurance circles In his free time, Sumit likes to spend time with his family and go on trips

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