Car insurance in Sikkim

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 

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

Roadside Assistance Cover: The Roadside Assistance Cover assists in case you get stranded in the middle of the road and need assistance.

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.

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.

Type of Vehicle: The make and model of the vehicle significantly affects the premium. For instance, sedan cars will have higher premiums than any regular car.

Type of Insurance Coverage: The premium amount will vary depending on the policy you choose to buy. Typically, a Comprehensive policy will cost you more than the other plans available. 

Driving Record: If the policyholder has a history of accidents, traffic violations, or claims, the premium amount can be higher. So, it is advisable to maintain a clean driving record. 

Geographical Location: Premiums may be higher in areas with higher traffic density, crime rates, or severe weather conditions.

Deductibles: Higher deductibles typically result in lower premiums. So, while buying car insurance in Sikkim, you can customise the deductibles accordingly. 

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. 

Go to car insurance option on ACKO’s website or mobile phone

Enter the vehicle registration number and click on ‘Check Prices’

Provide the vehicle related details such as its registration number, make, and model along with personal details like your mobile number, pincode, email address, etc

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

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

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

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

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.