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Importance of Car Insurance in India


Let’s say, you own a 1-year-old standard hatchback with Insured Declared Value (IDV) of Rs. 4,00,000, but sadly, don’t have car insurance.


Frontal Damages Rs. 25,000
Windshield Damages Rs. 6,000
Bumper Damages Rs. 5,000
Bonnet Rs. 6,000
Fender Rs. 5,000
Headlight Rs. 3,000
Total Rs. 50,000


Why Bajaj Allianz Car Insurance?


With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Bajaj Allianz offers car insurance with a range of covers to choose from.


Why is car insurance ​needed?


Your car needs more than just fuel and maintenance. A car insurance policy is a crucial factor which ensures the flawless upkeep of your precious vehicle.


Reliance General car insurance plans are carefully designed to offer enhanced protection at affordable rates. Our key benefits include: –

  • Vast Cashless Network of more than 3800 garages
  • Instant Renewal without paperwork
  • Comprehensive Vehicle Insurance Cover
  • ​A Range of Add-on covers for enhanced protection


Car insurance is a policy that is signed between two parties, the policyholder and the insurer to cover the losses that one might incur due to damages done to the car or in a case of theft.


  1. Coverage against loss or damage of the vehicle caused by – Accident, theft, fire, explosion, self ignition, lightening, riots, strikes, Act of terrorism, Transit by Rail, Road, Air & Elevator and natural calamities, (Earthquake, Flood and more)
  2. Coverage against financial liability caused by injury or death of a third party or damage to the property
  3. Personal accident cover also comes under various car insurances


  • Loss or damage to your vehicle against natural calamities -Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.


  • Loss or damage to your vehicle against man-made calamities -Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.


Bank Offers comprehensive motor insurance policy for all round protection and security against all the possible damages against both external and internal factors. Additionally, Car insurance policy covers third party damage liabilities and personal accident too. Just a little precaution for your car is what it takes to ensure smooth driving and complete protection against unforeseen incidents. Buying a car insurance policy is not only essential for staying safe against lawsuits but also for ensuring safety every time you hit the road.


Policy Details – Top Feature 


  • 24 x 7 Break Down Services
  • Third Party Property Damage
  • Nil Depreciation
  • Cashless Repair
  • Windscreen Glass Coverage
  • Engine Projection


Factors that affect the Car Insurance


  1. IDV (Insured Declared Value) of the vehicle
  2. Type and age of the vehicle
  3. Cubic capacity of the engine
  4. Geographical zone
  5. Age and gender of the owner-driver
  6. Fuel type
  7. Profession of the owner
  8. Voluntary deductible
  9. No Claim Bonus (NCB)
  10. Anti-theft device installation

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