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Purchasing your dream SUV is truly an amazing feeling. But the exhilaration of owning a beast like the Chevrolet Trailblazer must be accompanied by something more practical - buying comprehensive car insurance. Without adequate insurance, your prized possession can become a financial liability in the aftermath of a road mishap. Read on to understand all the benefits of buying comprehensive coverage for your Trailblazer and how you can get optimal protection.
While car insurance may seem like an unwanted expense, there are several compelling reasons to buy adequate coverage for your Trailblazer:
According to the Motor Vehicles Act, it is illegal to drive any vehicle on Indian roads without a valid third-party insurance policy. By buying comprehensive coverage for your SUV, you ensure full compliance with the law.
In the unfortunate event of an accident, damage or theft, having comprehensive insurance safeguards you from major financial losses. The insurer bears most of the expenses so that you are not burdened.
A comprehensive policy not only covers third-party liabilities but also damages to your SUV due to collisions, accidents, etc. You also have the flexibility to add bonuses like zero depreciation that enhance coverage.
In India, two major types of car insurance plans are commonly available:
This is the basic mandatory insurance that covers injury or damages that your SUV causes to a third-party vehicle, property or life. However, it does not cover any harm to your own Trailblazer in case of an accident.
This plan provides extensive coverage, including third-party liability, along with coverage for damage to your own SUV due to collisions, accidents, natural disasters, etc. This makes comprehensive insurance ideal for high-end vehicles like the Trailblazer.
While Third Party Liability only covers the minimum legal requirement, it leaves your precious SUV vulnerable. Hence, it is recommended to buy a Comprehensive policy for complete peace of mind.
What is Covered
What is not covered
Here are the key coverage provisions of a comprehensive car insurance policy for your Trailblazer:
Bodily Injury Liability - Covers medical expenses of third-party passengers injured in an accident caused by your SUV.
Property Damage Liability - Covers repair or replacement costs of third-party vehicles or property damaged by your Trailblazer.
Own Damage - Provides protection against damage to your SUV due to collisions, accidents, overturning, etc.
Man-made Calamities - Covers loss or damage caused by human-induced incidents like riots, protests and terrorist activities.
Natural Disasters - Protects against floods, earthquakes, storms, lightning and other natural calamities.
Fire and Explosion - Safeguards against fire or blast-related damage.
Theft - Provides cover against theft of vehicle, accessories, electrical fittings or other Trailblazer components.
While comprehensive insurance is extensive, every policy comes with some exclusions:
Gradual depreciation of parts over time is not covered. For e.g., battery performance deterioration.
Damages from mechanical issues like engine failure are excluded.
Loss outside specified geographical boundaries is not payable.
Loss resulting when driving without a valid license is excluded.
Any loss attributed to driving under the influence of alcohol is not covered.
Damages due to unlawful or criminal intent or activities are excluded.
Injuries to passengers not registered during policy purchase are not covered.
To enhance the coverage provided by your basic comprehensive policy, you can opt for the following useful add-ons:
Zero Depreciation Cover - The cost of any replaced parts is paid without accounting for the depreciation costs. This avoids high deductions.
NCB Protector Cover - Protects the accumulated No Claim Bonus even if you need to make a claim during the policy tenure. Ensures NCB continuity.
Engine Protector Cover - Provides coverage against damage caused to engine parts due to leakage of lubricating oils, ingress of water or any other reason.
Key Replacement Cover - Covers the cost of replacing car keys in case they are ever lost, misplaced or stolen.
Roadside Assistance Cover - Provides assistance in case your Trailblazer breaks down while on the road - includes towing, minor repairs, key replacement, etc.
Hydrostatic Lock Cover - Specifically covers your SUV's engine from suffering damage due to water ingression - a common issue during floods.
Here are some major advantages of buying Trailblazer insurance, specifically from ACKO:
Zero Paperwork - The entire policy can be purchased online without any paperwork. This makes the process quick and hassle-free.
No Commission - You pay only the insurer with no middlemen involved. This reduces cost overheads and makes policies affordable.
Quick Online Claims - Claims can be intimated and tracked conveniently via the ACKO website or mobile app without running around offices.
Expert Support - The dedicated customer support team provides guidance on choosing the optimal policy and add-ons as per your needs.
Choice of Add-Ons - A range of useful add-ons are available on top of the base comprehensive policy to enhance protection.
Cashless Garage Access - A large number of partner garages across India provide cashless claims servicing without payment hassles.
Pickup and Drop - Doorstep pickup and drop (in select cities) is offered for repairs and claims to save time and effort.
Using the ACKO online portal or mobile app, here is how you can buy or renew insurance for your Trailblazer in a few quick steps:
Step 2: Enter your Trailblazer's registration number and click on "Check Prices".
Step 3: View quotes, pick the optimal plan, choose add-ons and enter previous policy details if renewing.
Step 4: Finally, pay the premium using net banking, UPI or other payment options to instantly purchase the policy.
Step 5: A policy copy is emailed, and a soft copy is saved on your ACKO profile. A hard copy can also be requested.
Here is how you can conveniently make claims on your Trailblazer policy via ACKO:
Step 1: Log in to your ACKO account and click on "Claim Now".
Step 2: Answer a few questions regarding the loss or damage.
Step 3: Upload photos, invoices, FIR and other claim-related documents.
Step 4: In case of minor claims, payment is credited instantly to your bank account. For major claims, a representative will contact you.
Buying adequate car insurance is essential to fully enjoy your prized Chevrolet Trailblazer without financial worries. Go for a comprehensive coverage plan and useful add-ons to ensure your SUV is optimally protected on Indian roads. Choose reliable insurers like ACKO for the best online insurance buying experience. Stay safe and happy driving!
The IDV is calculated as the current manufacturer selling price of the Trailblazer variant minus depreciation based on the vehicle's age. Additional factors like model year, physical condition, etc., also determine IDV.
You'll need a copy of the RC book, invoice showing ex-showroom price, fitness certificate, KYC documents like DL, PAN card etc. to buy Trailblazer insurance. However, at ACKO, you need not submit any documents to buy insurance.
Yes, you can get discounts on premiums if you install anti-theft devices, opt for higher voluntary deductibles, have memberships of recognised auto associations, etc.
Yes, the policy can be cancelled at any time with an adequate notice period. The refund amount depends on company terms and unused policy tenure.