Good morning readers today we will discuss with you How to get cheap car insurance online in 2022? How to buy car insurance online by policy bazaar? There are many of us who are fond of cars. And they do have a car. But when it comes to insurance, then you are left with a little doubt that which is the best and cheap insurance for their car.
In this article, I will tell you how you can insure your car at a cheap price. And I will also tell you why insurance is necessary for your car. Because there are many people whose car insurance expires after 1 year or 3 years. After they do not renew their car insurance.
But continuing with car insurance is very beneficial for you and your car. In this article, I will tell you why car insurance is necessary and Under what conditions does the insurance company give you the insurance money on the accident of your vehicle?
Table of Contents
What is the benefit of car insurance?
Readers, first of all, we know that when we buy a car, at the same time we get insurance on the car from the company. But when that insurance date is over, then we will have to insure ourselves a new one at our own charge for our work.
Now that we are spending money out of our pocket, then it must be seen which car insurance is the best and also the cheapest. Readers, when we are talking about car insurance, we should also know the benefits that it has. Because when we apply for something, then we must know about its benefits as well as in what condition we are going to get those benefits.
As an example of a benefit of car insurance, if you get any insurance for your car, then when your car gets into an accident, you can claim your car insurance with your insurance company with the help of some process and The company will also give you the insurance money for your car. Almost your insurance company gives you the money to recover your car.
When and what condition does the company pay you for your car insurance?
Before founding How to get cheap car insurance online? Let’s know, under what condition does the company give you your car insurance money? First of all, we get to know in which condition the insurance company gives you the money for your insurance. Today we will tell you about this by going into very much detail so that you people will never be in any misunderstanding.
- Insurance claim due to natural accident
- Insurance claim due to man-made accident
- Insurance claim due to personal accident
- Damage insurance claim by a third person to you
Insurance claim due to natural accident
By natural accident, you must have understood what we are talking about. How does the insurance company give you your insurance money if your vehicle breaks down or gets into an accident due to any natural accident, such as a flood, earthquake, or hurricane?
Insurance claim due to man-made accident
Even if there is any damage to your car due to a man-made accident, the insurance company provides insurance for your car. If your car is stolen due to a man-made accident i.e., riots, if there is any damage to your vehicle, then the insurance company also compensates for it.
Insurance claim due to personal accident
If due for any reason you are unwilling if your vehicle gets into an accident, the insurance company accepts your insurance claim and gives you the insurance money to some extent. This does not mean that you can claim your car’s insurance by getting your car in an accident at will.
Damage insurance claim by a third person
Even if a third person knocks on your car while driving, the company still allows you to love insurance, but there will be some legal action for this.
In which condition insurance company do not approve your insurance claim?
Most people know under what conditions the insurance company allows you to make an insurance claim. But friends, there are many such people who do not know in which condition the company does not allow insurance claims. And you should know this thing first or else you can be cheated.
- driving under the influence of drugs
- intentional accident
- driving by an uninsured person
- If any damage to your vehicle due to war
Drug driving
If you drive while consuming alcohol that contains intoxicants, then the company will not accept your insurance claim.
Intentional accident
If you are intentionally present in an incident and there is any damage to your vehicle, then legal action will definitely take place and if you are found guilty in this, then the insurance company will not give you the insurance money.
Driving by an uninsured person
Even if you drive with a driver who is not insured, the company cannot give you an insurance claim.
If any damage to your vehicle due to war
Even if there is any damage to your car due to war, the insurance company will not give you your insurance money. Because the war is done for the country and all the citizens of the country are present in it and everyone is harmed in some way or the other. Hence, no insurance claim will be taken for your car due to war.
Readers, now you guys must have understood very well under which conditions the company accepts your insurance claim, and in which condition your insurance claim is rejected. In this article, I have not pointed fingers at any one company. These are some of the major policies of all the companies. If you read their terms and conditions properly, then you would have mentioned the same thing in the terms and conditions of all insurance companies.
Types of car insurance
Readers, you can buy your car insurance from any company. Every company provides you with two types of insurance.
- Third-party car insurance
- First Party Car Insurance OR Comprehensive Insurance
What is Third party car insurance?
Third-party car insurance means if you have an accident with another vehicle on the way. And you have third-party car insurance. So the company will get an accident claim. Under this insurance to the person whose car has been an accident by you. So that due to the accident, you do not have to pay any expenses from your pocket to that third person. And this insurance is the cheapest.
First Party Car Insurance OR Comprehensive Insurance
First Party Car Insurance OR Comprehensive Insurance, In this insurance the third party vehicle is also covered and your vehicle is also insured as well. This insurance is slightly more expensive than third-party car insurance. Because it takes care of both parties. And with this, you can take some add-ons like zero depreciation, 24 seven Road assistance, Lock replacement, etc.
Which is the best cheap car insurance in India?
If we talk about which is the best cheap car in India? So it becomes a bit difficult because every insurance company sells insurance according to their own category in their respective categories. But we have brought you an easy way with the help of which you can easily get the best and cheapest car insurance for you.
Buy the best and cheapest car insurance with Policybazaar Buy the best and cheapest car insurance with PolicyBazaar.
How to get cheap car insurance in 2022
Now the question is How to get cheap car insurance online? Today we will talk about Policy Bazaar car insurance. Because with the help of Policy Bazaar, you can easily find good and cheap car insurance for you, Policy Bazaar has put all the insurance companies in front of us in one place. So that we can easily compare and buy good insurance. So let us know how we can buy car insurance with the help of the policy market.
We will teach you how to buy car insurance from Policy Bazaar with the help of a desktop. Policy Bazaar’s Android application is also available. If you want, you can buy Policy Bazaar Car Insurance from your Android phone.
How to get cheap car insurance online by Policy Bazaar in 2022
1. First of all, you open your desktop and search the policy bazaar in the browser. You will already see the website of Policy Bazaar and you can open it.
2. You will see many categories. You select the category of car insurance from those categories. And you will land on a new page.
3. In this box, you enter the registration number of your car. And click on New Price.
4. In this box, you fill your complete details according to the box in which it is written.
5. Now you have to select when your policy will expire.
6. Now we will put in this box whether we have claimed any policy or not. If you have made any claim then you click on yes, if not then click on no.
7. Right now, first of all, you will be able to see the details of your car at the top of your left side. You will check from here whether this car is yours or not.
What is NCB (NO CLAIM BONUS)
8. (NO CLAIM BONUS) What is NCB? If you have NCB in your existing policy then you can claim it. But keep in mind this will work only if you have not claimed any insurance. If yes, then by selecting the percentage here, you can get a discount of your percentage in the new policy.
Company Selection
9. If you look on your left side, then here you will get the list of the insurance companies, here you can select everything or you can also select your selected insurance company.
What is INSURED VALUE?
10. INSURED VALUE, you will get this option near the insurance company selection option. Now let us tell you what is INSURED VALUE. With the help of this policybazaar website decides what is the cost of your vehicle at this time. As your vehicle gets older, the value of your vehicle will decrease. With the help of this section, you can enter the value of your vehicle. The more you put in the value of your vehicle, the more your insurance cost will increase.
What is Plan Type?
11. Plan Type, with the help of which section you can select the plan of your insurance. As we have already told you that there are two types of insurance. Third Party Car Insurance, First Party Car Insurance, OR comprehensive insurance. Select which of these insurance you want to select.
Select add-ons and accessories
12. Select add-ons and accessories, if you buy comprehensive insurance then this section is very beneficial for you, and this section will also cost you more. With this option, you can also add some extra advances to your insurance like zero depreciation, 24*7 road assistance, lock replacement, engine protection cover, and NCB protector.
What is zero depreciation?
Zero Depreciation, this option is also called bumper to bumper. In Zero Depreciation, everything is covered except the tire and battery of your vehicle. Because most of the battery and tires do not belong to the company of the vehicle. But keep in mind that if you select this option, then the cost of your insurance will increase. But it is also that if you select this option then your vehicle is completely safe.
What is 24*7 Road assistance?
247 Road assistance, in case you ever get stuck in the middle of the road and have purchased 247 Road assistance along with the insurance that you have. So the insurance company will provide you with free of cost assistance and will also fix your car.
What is an Engine protection cover?
Engine protection cover, if you have added engine protection cover to your policy then your engine is completely protected. If the engine of your vehicle breaks down, then the insurance company will fully compensate you for this.
What is an NCB protector?
NCB protector, We told you a while back what is NCB protector. But if you buy an NCB protector along with insurance. So when you get your insurance renewed, you will get the full NCB protector discount. But keep in mind that when you buy insurance next time, then buy insurance from the same company whose insurance you bought last time.
What is Lock replacement?
Lock replacement, if your car’s lock end key gets damaged or your car key gets lost somewhere. And if there is a lock replacement in your insurance, then the company will bring you a new lock.
Choose add-ons
13. In this article, we show you by adding zero depreciation. You normally select zero depreciation from the Select add-ons and accessories option.
Choose Insurance company
14. Now you will see a list of many insurance companies. You can choose the policy which you like best from this entire list.
15. In this article, we will tell you by choosing Tata Aig. Because this company is providing us zero depreciation, 24*7 road assistance, lock replacement, engine protection cover, everything for free in just 8271rs.
16. Now a pop-up box will appear on your screen. Where it will be written whether your existing policy is with Tata or not. I don’t have Exist in policy from Tata so we select it as No.
Put your information
17. Now a new page will come in front of you. Where you have to feel some information about yourself. And after that, you click on Next Stage.
18. You can easily feel the information that is being asked of you in the next stage. That’s why we do not tell you completely about it. After sealing you again click on the next step.
19. Now the Proposal form will open in front of you. In this form, first, you have to tell about your existing insurance company. After that, some details of your car will have to be filled in here. And lastly, you can once again check which insurance you are buying. Now you can click on Payment and Summary. Now you can see your insurance details here and verify it once again. Everything is fine or not.
20. Now let us tell you one thing, according to IRDA, accident insurance has to be given separately. So you must choose it. We have chosen Kotak here.
Payment Option
Now you can click on the payment option. You can also pay from here by Credit Card, Debit Card, Net Banking, EMI, and UPI.
After making the payment, you will get your policy in your e-mail and you can easily download it.
Conclusion
In this article, we have tried to tell you as easily as possible about How to get cheap car insurance online in 2022. In this entire article with basic details about car insurance for yourself, we have told you how we can buy our car insurance online from policybazaar.com.
Policybazaar.com is a good website to buy an insurance policy for yourself. If you buy an insurance policy, like Home Insurance, car insurance, or Health Insurance. You must check once by visiting this website. Because on this website you get all the insurance companies together and you can compare easily. It is not a sponsored post.
FAQ – Question Anwer
If you have any questions on How to get cheap car insurance online in 2022. Write in the comment box. I ad the question answer in FAQ SECTION.
Can we do car insurance online?
Yes, we can do car insurance online. You can easily buy car insurance online from policybazaar.com. Policybazaar.com is a good website to choose a good Insurance Company for yourself.
How do you get car insurance?
You get car insurance, online and also offline. If you want it and car insurance from online sitting at home, the go to policybazaar.com website and you can easily purchase car insurance. If you can buy car insurance offline, you have to go car insurance company’s office.
When should I start my new car insurance policy?
You don’t have to start an insurance policy for your new car. Because when you go to buy a car, the company already gives you car insurance. The car insurance price includes in your car price.
Is it more expensive to insure a new or old car?
Yes, sometimes it is very much expensive to purchase car insurance. The price of car insurance depends on what type of car insurance you have to buy. And it also depends on your car’s age.
What is the benefit of car insurance?
If you ask me a question, what is the benefit of car insurance? My answer is, how much do you love your car? If you love your car very much and you are not a very rich person, then I thought you should buy a car insurance policy. And another thing is, if you don’t have any car insurance, you broke traffic rules.