Car Insurance Policy | Car Insurance Types and Benefits


Car Insurance Policy| Car Insurance Types and Benefits

Car Insurance Policy| Car Insurance Types and Benefits
Car Insurance

Brief Info:- Car insurance is a type of auto insurance. Car insurance is used to provide financial protection against physical harm or bodily injury from traffic collisions and against liability that may arise from vehicle accidents. The specific terms of the car insurance vary with the legal rules in each region.


Car insurance - This insurance covers the damage to your car, personal injury, vehicle and third party property in the event of any accident.

There are different types of car insurance in India.


Private car insurance - Private car insurance is the most important developing sector in India as it is mandatory for all new car vehicles. The amount of premium depends on the makeup and cost of the car, where the car is registered and the year of manufacture. If no claim was made for insurance last year, the amount could be minimized by claiming a nine-claim bonus from the insurance company.



Two Wheeler Insurance - Two Wheeler Insurance is another type of insurance car insurance. in that includes accident insurance for car drivers. The amount of premium depends on the cost of the current showroom, which increases several times the rate of depreciation set by the Tariff Advisory Committee at the beginning of the policy term.


Commercial Vehicle Insurance - Commercial vehicle insurance is the third type of car insurance. In India, it has provided cover for all vehicles not used for personal purposes such as trucks and HMVs. The amount of the premium depends on the start of the insurance period, the make-up of the vehicle and the showroom price of the vehicle at the place of registration.



Auto insurance usually covers the following:

Damage or loss from accident, fire, lightning, self-ignition, external explosion, theft, domestic braking or theft

Third party injury / death, third party property and paid driver's liability

Damage / loss of electrical / electronic items upon payment of appropriate additional premium


Auto insurance does not cover the following matters:

Resulting in damage, mechanical and electrical impairments,

When the vehicle is in use outside the road, in a geographical area or drunk driving.


Third party insurance


This cover is mandatory under the Motor Vehicles Act 1988 in India. This cover cannot be used for personal damages. It is offered at low premiums and the third-party claim is liable under "no fault liability." Car insurance premiums are calculated by the rates provided by the Tariff Advisory Committee of India.

Car insurance third party liability policy
Damage to third party vehicle or property. In such case the liability limit is up to 7.5 lakh.
Some kind of personal loss such as personal loss. In such a case, there is no limit to the liability.

Not covered?

You were driving drunk or without a valid driving license.

You have a learner's license and the next passenger was driving a seat without a valid driver's license holder.

No consequential loss or direct result of the accident.

Car insurance is very important to protect life. There are many benefits to car insurance. If you like this car insurance policy, please share it with someone else.






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