Car Insurance in Ludhiana: Buy Best Car Insurance in Ludhiana

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Ludhiana is Punjab’s largest industrial city and has the highest population in the state. Not surprisingly, the city is usually bustling with activity, which also translates to high road traffic. Unfortunately, high road traffic usually increases the chances of collisions. That is why, if you are a proud Ludhiana resident or soon to become one, you should read ahead. In this article, we have shared how you can financially protect yourself from car accident-related damages in your city. We have also listed your car insurance options and the upsides of choosing ACKO’s car insurance.

Car insurance plans in Ludhiana

In this section, we have enumerated the different car insurance plans offered by ACKO.

Third-party Insurance

This policy is legally necessary for all car owners. It offers monetary compensation to a third party in case of car-related injuries, death or property damage.

Own Damage Cover

This policy offers financial protection against accident-related damages to your insured car. Its coverages include collision-induced damages, theft, and damages resulting from natural and manmade mishaps.

Comprehensive Basic

A Comprehensive Policy clubs a Third-Party Cover with an Own Damage (OD) Cover. Consequently, you get broader coverage for accident-related damages to your car. This policy also offers an option to supplement existing coverage by buying add-ons.

Comprehensive Super Saver

This plan offers all the coverages of a Comprehensive Policy plus a free pick up and drop of your car during claim-related repairs. However, there is a clause wherein you have to pay a deductible of Rs. 5,000 if you get your car repaired without informing us.

Zero Depreciation - Basic

The value of car parts depreciates with time. A “Zero Depreciation” or “Bumper to Bumper” Cover offers the coverage of a Comprehensive Policy, plus protection of car parts against depreciation when it comes to claims. Without this cover, certain car components will be compensated only to an extent.

Zero Depreciation - Smart Saver

A Zero Depreciation - Smart Saver plan provides the coverage of a Zero Depreciation Cover at a lower premium. Here, you will have to pay the initial Rs. 5,000 for car accident-related repairs from your pocket. After that, we will cover you.

Zero Depreciation - Super Saver

This plan offers all the benefits of a Zero Depreciation - Basic Cover plus free pickup and drop of your vehicle for claim-related repairs. However, if you get your car repaired for accident-related damages on your own, please inform us. Or else you will have to pay Rs. 5,000 from your end as a deductible.

Personal Accident Cover

A Personal Accident (PA) Cover is technically not a car insurance policy. Nevertheless, it is a legal necessity for vehicle owners in India. It offers compensation if the insured suffers injuries, disability or death due to a road accident.

As mentioned earlier, Ludhiana is a very happening city. Hence, it is no surprise that the city's vehicular traffic is an issue. More traffic generally increases the possibility of road accidents. In fact, as per a report by the Punjab Police, Ludhiana was the city that had the most number of road accident cases in 2018 and the most number of road accident-caused fatalities in 2016. This calls for cautious driving in the city and the preparation for road accident-related events in advance. And one proactive measure you can undertake to combat the financial repercussions of road accidents in Ludhiana is to buy car insurance.

Benefits of buying car insurance in Ludhiana from ACKO

Here’s how ACKO stands out as a car insurer in Ludhiana.

No commissions

ACKO’s car insurance is sold direct-to-customer via our website/app. This means no intermediaries, and no intermediary commission. This ultimately results in low-cost plans for you.

Immediate processing

Claim processing for accident-related requests typically takes a few days. However, with ACKO’s super-fast claim process, claims raised towards minor vehicle damages are settled on the same day. Claims raised for major damages are also settled swiftly as per the applicable terms.

No paperwork

The insurance industry is known for its paper-based processes. But, that’s not the case with ACKO. We are a digital-first insurer and as a result, there’s no need for you to fill multiple physical forms or submit a bunch of documents for insurance processes.

How to file a claim with ACKO

ACKO’s claim process involves the following steps.

Step 1: Visit our website/mobile app and sign in to your account.

Step 2: Go to your car’s policy card and click “Claim now”.

Step 3: A few questions will appear. Respond to them, add relevant pictures and click “Submit”.

After your claim has been raised, we will process it as per your policy’s terms and get back to you with the applicable settlement.

How ACKO car insurance can financially protect you in Ludhiana

ACKO’s wide-ranging car insurance can financially protect you in Ludhiana in the following ways.

We will financially compensate you (as per your policy’s terms) if your car faces covered damages.
In the case the car is stolen or damaged beyond repair, we will compensate you with its Insured Declared Value (IDV).
Our claim process is super quick. For instance, you can expect a same-day (in a few hours) settlement for minor damages.
You can contact us via call and email for any insurance-related queries. We also have a dedicated Help section on our website/app to address common queries.

FAQs

In this section, we have provided answers to some of the most common questions regarding car insurance in Ludhiana.

Why should I buy ACKO’s car insurance in Ludhiana?

Here are some reasons why you should consider buying ACKO’s car insurance in Ludhiana.

Low-cost plans
No commissions
Customisable plans
Fast claim processing
Good Claim Settlement Ratio (CSR)
No paperwork while buying policies or raising claims

Where is ACKO’s office in Ludhiana?

We do not have any offices in Ludhiana. But that doesn’t matter. You do not need to visit us in person to buy our car insurance policies. Just visit our website www.acko.com or our smartphone app to buy our policies, raise a claim, etc.