Buy/Renew Best Car Insurance Policy Online in Ahmedabad

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Ahmedabad, called the ‘Manchester of India’, ranks 54th in the Global Traffic Congestion Rankings. This is mainly because the city is a thriving hub for various businesses, and the number of vehicles in the city has been increasing with each passing year. The increasing number of vehicles and traffic is one of the main reasons for Ahmedabad's high accident rate. Thus, if you are in Ahmedabad, having an active car insurance policy becomes very important. In the section below, let’s take you through car insurance in Ahmedabad.

Car Insurance Plans in Ahmedabad

With ACKO, you can buy three different types of car insurance plans in Ahmedabad:

1. Third-party Insurance

A third-party insurance policy is mandatory in Ahmedabad as it provides financial protection against third-party liabilities. This means that if your vehicle damages a third-party property, the insurer will provide the required financial assistance.

2. Own Damage (OD) Car Insurance

An own-damage insurance policy provides the necessary financial coverage if there is any damage to the insured vehicle only. As third-party insurance does not cover you if your vehicle sustains any damages, you should consider buying the Own Damage Insurance Cover along with the mandatory Third-party Insurance.

3. Comprehensive Car Insurance

A Comprehensive Insurance plan will provide all-around coverage protection for your vehicle. Whether there is any third-party liability or if your vehicle sustains any damage, a Comprehensive policy will cover it all. Thus, it is better to opt for Comprehensive Insurance for broader insurance coverage for your vehicle in Ahmedabad.

Benefits of Buying Car Insurance in Ahmedabad

Wondering whether you need a car insurance policy in Ahmedabad or not? If yes, then listed below are some convincing reasons for you to buy a car insurance policy in this vibrant city:

Financial Protection

In Ahmedabad, having a car insurance policy is like having a trusted backup, it helps cover the cost of repairs or even replacing your vehicle if there is an accident. It gives you peace of mind during unexpected situations and saves you from dipping into your hard-earned savings

Third-party Liability Coverage

It also provides liability protection, essential for safeguarding your finances in case you're held responsible for injuring someone else or damaging their property in a car accident.

Legal Mandate

According to the Motor Vehicles Act of 1988, having at least third-party car insurance is mandatory whether you are in Ahmedabad or anywhere else. So, to legally drive your car, you must have a valid car insurance policy.

Customisable

You can always customise the car insurance policy with the available add-ons. If you feel that the available coverage offered under your car insurance policy in Ahmedabad is insufficient, then you can customise it with add-ons like Zero Depreciation Cover, No Claim Bonus Protector, Key Loss Cover, etc.

Inclusions and Exclusions of Car Insurance Policy in Ahmedabad

The common inclusions and exclusions of a car insurance policy in Ahmedabad are:

Inclusions:

Coverage for vehicle damage due to accidents
Any damage to the vehicle due to fire outbreaks or natural disasters.
Third-party liability coverage
If the insured vehicle is lost or stolen
Personal accident injury

Exclusions:

Damage caused intentionally or due to involvement in illegal activities
Wear and tear, mechanical breakdown, or regular maintenance costs
Damage to personal belongings inside the vehicle
Using the vehicle for commercial purposes
Driving under the influence of alcohol or drugs
Overspeeding the vehicle
Driving a vehicle outside the geographical location mentioned in the policy document

ACKO Car Insurance Add-on Covers in Ahmedabad

Some of the add-ons that you can include while buying a car insurance policy in Ahmedabad are as follows:

Roadside Assistance Cover: This add-on provides coverage if your vehicle is stranded in the middle of the road.
No Claim Bonus Protector: The No Claim Bonus Protector or NCB protects your accumulated No Claim Bonus even after you have raised a claim in a given year. With NCB in your policy, you can get a discount of up to 50% on premium amounts.
Return to Invoice Cover: The RTI or Return to Invoice Cover in Ahmedabad pays the complete claim amount based on the original invoice amount.
Consumables Cover: A car insurance policy typically does not cover consumables like lubricants, nuts and bolts, gearbox oil, etc. However, with this cover, you can get protection even for consumables.
Engine Protection Cover: The Engine Protection Cover protects you financially in case the car’s engine gets damaged in an accident.
Zero Depreciation Cover: With zero dep insurance add-on, you can get the complete claim amount, irrespective of the depreciation costs.

What Determines Car Insurance Premium in Ahmedabad?

Listed below are the factors affecting the car insurance premium in Ahmedabad:

1. Type of Coverage Chosen: While a third-party policy is mandatory, a comprehensive policy provides an all-round protection. Thus, basis the coverage you choose, the premium may vary. The premium for a third-party is lower as compared to Comprehensive policy.

2. Vehicle Make, Model, and Variant: Car insurance premium in Ahmedabad is higher for luxury or high-end models and entry-level hatchbacks (have lower premiums due to lower repair/replacement costs.

3. Age of the Vehicle: New cars have higher premiums as their market value is high. On the other hand older cars have lower premiums due to depreciation, but might need more maintenance.

4. Insured Declared Value: IDV refers to the current market value of the car. The higher the IDV, the higher will be premium amount, hence choose the IDV wisely.

5. No Claim Bonus (NCB): If you haven't made a claim in previous years, you earn a discount (NCB) on your premium which is a maximum of up to 50%.

6. Add-On Covers: Add-ons like zero depreciation, engine protection (useful during monsoons), roadside assistance, etc., can increase the premium. So, be mindful while including these add-ons in your policy.

7. Voluntary Deductibles: Opting to pay a portion of the claim yourself or what is called deductible can reduce your premium. So, to get lower premiums for your car insurance policy in Ahmedabad, you can choose a higher deductible.

8. Anti-theft Devices: The installation of anti-theft devices helps policyholders get discounts on the premium amount. This is because it reduces the insurer’s liability in settling claims.

How To Buy Car Insurance Online in Ahmedabad with ACKO?

Here’s how you can buy car insurance policy in Ahmedabad with us:

Go to the top of this page
Enter the vehicle registration number and click on ‘Check Prices’
Provide the vehicle related details and proceed further
A list of car insurance plans will be visible
Select a suitable car insurance policy along with the necessary add-ons
Make the premium payment, after which you will receive the policy details

Benefits of Car Insurance Renewal Online in Ahmedabad with ACKO

Whether you buy your car insurance policy with ACKO or any other insurer, it is important to renew the plan as it comes with an expiry date. So, here are some of the reasons why you should renew your car insurance policy with ACKO:

Quick Process

The process to renew a car insurance policy with ACKO is quicker and seamless. You just need to enter a few details and get the policy renewed at your fingertips.

Minimal Paperwork

There is almost zero paperwork required when it comes to renewing ACKO car insurance. You can submit all the required documents online to complete the renewal process.

Abide by Laws

According to the Motor Vehicles Act, having at least a third-party car insurance policy is important. So, to avoid paying penalties, you need to renew the car insurance policy before its expiry.

How to File a Car Insurance Claim Online at ACKO in Ahmedabad?

Listed below are the steps you need to follow to file a car insurance claim with ACKO Ahmedabad

Go to the car insurance option on the ACKO app or website
Login with your mobile number
Your car insurance policy will be visible, then click on ‘register claim’
Next, enter the necessary documents like FIR, claim form, etc, and successfully register the claim

Documents Required for Filing a Car Insurance Claim in Ahmedabad

Listed below are some of the documents required to file a car insurance claim in Ahmedabad:

Driving license of the policyholder
Registration certificate of car
FIR (if required)
Identification proof of the policyholder
Original repair bills in case of reimbursement claim
Premium payment receipt

How to Download Your Car Insurance Policy Copy in Ahmedabad

Here is how you can download your car insurance policy in Ahmedabad:

Go to the car insurance option on the website
Login with your mobile number
Click on the ‘policy document’ and select ‘download’ option
Then, download the policy document and save it for future reference

How to Choose the Best Four-Wheeler Insurance Policy Online in Ahmedabad

Listed below are the factors to consider when buying a four-wheeler insurance policy online in Ahmedabad:

Check Your Coverage Requirements: Before you set out to buy a four-wheeler insurance policy, you must check the coverage you exactly need. For instance, if you occasionally drive your car, you can get Pay As You Drive Car Insurance.
Compare All the Plans Available: Before buying a four-wheeler insurance policy, you should compare the options available. This will help you evaluate the best policy for your vehicle based on your budget and requirements.
Select the Right IDV: IDV, or the Insured Declared Value, is the exact market value of your four-wheeler. Hence, declaring the right IDV when buying a car insurance policy is important. The higher the IDV, the higher the premium amount, so selecting the appropriate IDV is very important.
Choose Suitable Add-ons: There are a number of add-ons available that you can include in your four-wheeler insurance policy to enhance its coverage. Some add-ons you can consider adding to your policy are No Claim Bonus Protector, Zero Depreciation Cover, Roadside Assistance Cover, Key Loss Cover, etc.
Check the Claim Settlement Ratio: It is very important that you check the claim settlement ratio before settling on to buy any policy. The claim settlement ratio is the ratio between the number of claims raised to the number of claims settled. So, look for an insurer with a higher claim settlement ratio, as this will increase the chances of your claims settling.
24*7 Customer Support: You should buy a four-wheeler insurance policy from an insurer that offers 24*7 customer support. When you do so, you can stay assured that you will contact the customer support team whenever required.
Availability of Network Garages: Network garages are tied up with insurance companies and provide the option of a cashless repair facility. Hence, you should choose insurers that have a tie-up with a higher number of network garages.

Frequently Asked Questions (FAQs) about Car Insurance in Ahmedabad

FAQs

What are the different types of car insurance policies available in Ahmedabad?

The different types of car insurance you can buy in Ahmedabad include Comprehensive Car Insurance, Third-party Car Insurance, and Standalone Own-damage car insurance.

How can I buy the best car insurance policy in Ahmedabad?

To buy the best car insurance policy in Ahmedabad, you should compare all the policies available and buy it with insurers like ACKO.

What factors must I consider while buying a car insurance policy in Ahmedabad?

Some factors you need to consider to buy the best car insurance policy in Ahmedabad include claim settlement ratio, inclusions, exclusions, premium amount, type of policy, etc.