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Car Insurance Policy Online @ Rs7.6/day*

Car Insurance

A car insurance protects you and your four-wheeler against any loss or damage caused due to theft, fire, accidents; it also provides financial coverage against third parties or their property. A comprehensive car insurance policy assists you when your car is damaged in an accident or due to a natural calamity.

Car Insurance policies are divided into three sub-categories; comprehensive car insurance policy, stand-alone or own-damage cover, and third party car Insurance. According to the Motor Vehicles Act 1988, it is mandatory for all car owners to have at least a third-party insurance policy that offers coverage for third-party liabilities. You can buy a car insurance policy with Bajaj Finance Limited, offering a 100% digital process. Also, you can benefit from up to a 50% of No Claim Bonus on your premium during renewal. You can apply for car insurance renewal online on the insurer’s website.

Key features of car insurance policy

Key features Benefits
Premium Save Up to 85* Off
No Claim Bonus Up to 50% on premium
Customizable Add-Ons 7 add-ons available
Cashless repairs 5800+ Network garages and door to door claims available with partners
Claim process Smartphone-enabled online claim process within 7 minutes
Own damage cover Available

Benefits Of Car Insurance

  • Network garages across India

    With numerous network garages across India, you can get cashless services across India. It means your insurance provider will settle all the bills with the garage.

  • Additional savings with No Claim Bonus

    With every claim-free year, insurance providers credit you with a no-claim bonus. This lowers the renewal amount of a car insurance policy.
    Additionally, you can also transfer the no-claim bonus to a new insurer if you shift your four-wheeler insurance policy.

  • Comprehensive and third-party liabilities

    A comprehensive insurance policy covers own damage and third-party liabilities and gives the owner-driver personal accident cover. A third-party car insurance policy gives financial coverage only for third-party liabilitie. For example, it will only cover the damages or losses caused to the third party, physically or to their property.

  • Voluntary deductible lowers your premium burden

    Voluntary deductible is the amount you pay in advance for any repairs and replacement work of your car. 4 wheeler Insurance providers subtract this amount with other deductibles during claim settlement to decide on the final settlement amount.

  • 24X7 roadside assistance

    A 24X7 roadside assistance helps you deal with any unforeseen incident as help, which is just a phone call away. Also, the towing service on offer here can help you reach the nearest service centre in case of a breakdown.

  • Break-in insurance facility for easy renewal

    Break-in insurance occurs when an insurance policy expires due to non-renewal. However, the NCB remains intact if a policy is renewed within 90 days of expiration.

  • Protection from natural or man-made calamities

    A car insurance policy protects you from any natural or man-made disaster, as well as any personal injury expenses, civil responsibility, and third-party damages.

Types of Car Insurance

We offer three types of car insurance policies, each designed to address the varying needs of the customers and the best coverage they need:

Comprehensive insurance:

comprehensive car insurance policy covers the damages or losses caused to the insured car, owner-driver, and third party. It covers the damages caused due to theft, fire, malicious activity, or a natural calamity or accident.

Third-Party Insurance:

You are subject to pay the damages for the third party if you are at fault in case of a collision. Third-party car insurance is hence mandatory in India and covers you for the damage caused by your car to other people's vehicles and property. However, it won’t cover the damages to your car if you are at fault.

Standalone own damage insurance

The standalone own-damage car insurance, covers you against any accidental damages to your four-wheeler. These could be due to natural disasters like earthquake, flood, cyclone, and landslide, or due to manmade disasters like theft, burglary, riot or strike. You can buy this insurance policy if you have an active third-party vehicle insurance policy to get complete coverage for your vehicle.

Explore our Car insurance plans

A four wheeler insurance policy helps in keeping you financially secured against the damages caused to your four-wheeler. You can opt for one of the following car insurance policies provided by Bajaj Finance and get financial protection against any loss to your four-wheeler:

Car Insurance Plans Highlights
Third Party Car Insurance Third-party insurance is the basic insurance coverage that is mandatory for every four-wheeler. It provides coverage against any property damages, physical injuries or death of third parties.
BAGIC Four-wheeler Insurance Bajaj Allianz Insurance policy gives financial coverage against loss of accessories, personal accident of the occupant, legal liability to the paid driver, cleaner or any workman.
ACKO Car Insurance Get coverage of up to Rs. 15 lakh in case of accidental injuries, disabilities or unfortunate death with the ACKO Insurance policy.
Commercial Car Insurance This is a type of motor insurance that secures commercial vehicles like trucks, vans, trailers, buses, taxis and tractors.
Motor Insurance An insurance policy that provides financial coverage against losses or damages to your cars, two-wheelers, and commercial vehicles.

Car Insurance Plans offered by Bajaj Finance

Metrix Bajaj Allianz Car Insurance Acko Car Insurance
Category Comprehensive Comprehensive
IDV Is calculated basis on basis of To be calculated based on car make and model. Is calculated basis on basis of To be calculated based on car make and model.
Benefits covered Personal accident cover, los s, and damage due to man-made calamities, third-party legal liability, loss, and damage due to natural calamities Own damage cover, third party cover, personal accident cover
Premium Calculated on the basis of make, model and year of car Calculated on the basis of make, model and year of car
Tenor 1 year for a pre-owned vehicle 1 year
Personal accident cover for occupants Available Available
Key replacement cover Available Available
No claim bonus Available Available
Depreciation protection Available Available
Engine protect cover NA Available
Roadside assistance Available Available
Consumable expenses Chargeable under add-on covers Covered with no extra cost.
Claim settlement 98% claims settled 94% for FY20-21
Claim process Available digitally Available digitally

Why Choose Car Insurance from Bajaj Finance?

Reliable Brand Name

When trusting with insurance, it is important to ensure that your chosen insurance provider offers the best value for money. Bajaj Finance is a well-known financial institution with millions of customers who entrust us with their four wheeler insurance policy. Adding to the safety and credibility, we have been awarded the highest safety ratings of FAAA by CRISIL and MAAA by ICRA.

Quick and Online Purchase Process

It's a common practice to buy car insurance online these days. You can now insure your car against any damage due to an accident, theft, fire, etc. within a couple of minutes. The wheeler insurance online process is convenient and saves time. With benefits such as payment reminders, easy comparison, online forms, and document soft copies, Bajaj Finance’s car insurance online claims save your efforts with zero paperwork.

Easy Claim Process

Bajaj Finance offers paperless door-to-door claims. With the Bajaj Finance car policy, one can now raise a claim via a hassle-free, paperless car insurance online process within a few minutes. You can opt for contactless claims or easy document collections from the comfort of your home.

What's Covered in a Car Insurance Plan

Comprehensive car/4-wheeler insurance can cover you against the following risks:


• Damage due to an accident
• Loss caused due to natural calamities (Act of God) like floods, hurricanes, lightning, earthquake, landslide, hailstorm, frosting, etc.
• Damage due to fire or self-ignition
• Loss due to theft, riots, or any malicious or terrorist activities
• Damage caused in transit by road, rail, inland waterway, lift, elevator or air
• Accident cover for injuries to owner/driver of the insured car
• Compensation for death or permanent disabilities
 

Car insurance also covers third party liabilities that include:


• Vehicle or property damage due to your insured car at a public place
• Any injuries to the third-party driver due to an accident

What's not Covered in a Car Insurance Plan

The following are not covered under four wheeler insurance:

• Mechanical or electrical breakdowns
• Depreciation or general wear and tear of the car
• Damage caused while driving under the influence of liquor/drugs
• Damage caused while driving without a valid license
• Damage caused while using the car for hire or reward, organized racing or speed testing, etc.
• Tyre damage not resulting from an accident
• Loss of car accessories by theft
 

Note: Exclusions may differ from policy to policy. Therefore, it is recommended to refer to the exclusions given in the policy brochure.

How to Choose Four Wheeler Insurance Policy Online?

You can refer to the following pointers while choosing car insurance for your four-wheeler:

  1. Select the type of policy you want to buy based on your requirement. In the case of a Comprehensive policy, choose the add-on benefits for your policy.
  2. Compare and analyse the coverage provided by different insurance providers and then accordingly make the choice of buying the policy.
  3. Go through the terms and conditions and policy documents carefully before buying the car insurance for any hidden terms.
  4. There should be an easy claim process

How does car insurance work?

• four wheeler insurance is an agreement between a car owner and an insurance provider where a vehicle owner pays a premium to purchase financial coverage against any accident.

• Depending on a vehicle’s market value, the total sum insured of the policy is decided. There are different types of four-wheeler insurance plans based on their extent of coverage. This classification includes comprehensive policies, own damage, and third-party policies.

• However, a point to note here is that insurance providers may have different names for their policies. Essentially they will belong to one of these three categories of car insurance policies.

Advantages of buying car insurance policy online

Here are some reasons for buying a insurance policy online -

Nominal paperwork:

Buying car insurance online entails minimal paperwork, which reduces the hassle of buying or renewing insurance.

Faster processing:

Purchasing four wheeler insurance online is much quicker, reducing the turnaround time. So, you can get a policy without any delays.

 

Easy comparison:

Opting for an online four wheeler insurance renewal or purchase is beneficial as you get the liberty to go through multiple insurance policy policy offers and then select one that meets your requirements.

 

No need to contact any agent:

Buying a car insurance policy offline or renewing it requires you to contact an agent. Whereas, if you opt for an online service, it helps you to purchase a policy from the insurance provider directly. Resultantly, you get a chance to save on commission and other additional costs associated with a policy.

Points To Check Before Buying A Car Insurance Policy

Following are some pointers that you must keep in mind before availing of an insurance policy -

Type of policy coverage:

Keep an eye on the policy coverage inclusion and exclusion. Since there are multiple offers available, you need to choose one per your requirement.

Mind the processing time:

Whether it is a car insurance renewal or buying a new one, it is imperative to note the processing time. Insurance providers that process insurance purchase applications and claim settlement applications faster are always preferable, saving you time.

No claim bonus and other discounts:

Irrespective of buying four wheeler insurance online or offline, taking a note of no claim bonus and additional discounts associated with a policy is important. This will help you decide the policy's total cost and plan accordingly.

Claim settlement ratio:

Lastly, checking the claim settlement ratio while buying four wheeler insurance is vital. It helps you to gauge the efficiency of an insurance provider.

Apart from these, you should also evaluate the add-on coverages and network garages before buying an insurance policy.

How Insured Declared Value (IDV) Gets Impacted

Insured Declared Value (IDV) is a significant factor in deciding the insured's 4-wheeler insurance cost. IDV is the fixed value at which the company secures the policyholder's vehicle in a car insurance online policy. The policy sum covered is calculated using the vehicle manufacturer's advertised selling price plus the cost of any accessories.

According to the Indian Motor Tariff, the insurer calculates the amount after deducting the depreciation for every year. For example, assume that the insured added any electronic equipment to the car that wasn't included in the manufacturer's suggested retail price. In that instance, in addition to the IDV, the insurer adds the item's actual worth (after depreciation) to the policy sum insured.

How to calculate car insurance premium online

There are three primary components through which insurance premiums can be calculated online hassle-free and quickly. Here are a few simple steps to follow:

•The Insurance Regulatory and Development Authority of India (IRDAI) sets the third-party liability premium, which is proportional to the vehicle’s cubic capacity.
Cubic capacity Premium with effect from June 16, 2019 (Rs.)
Not exceeding 1000 cc Rs. 2,072
Exceeding 1000 cc but not exceeding 1500 cc Rs. 3,221
Exceeding 1500 cc Rs. 7,890

• IDV x [tariff rate] – [discounts] + add-on covers is the formula for calculating the own damage premium.
• Premium personal accident insurance + additional coverage
These three components, as well as the policyholder’s final car insurance renewal price, are affected by the following factors:

Insured Declared Value (IDV)

The maximum amount a policyholder can claim under the coverage is known as the IDV. The policyholder’s IDV and premium will be higher if the market value of their car is higher.

Make and model

High-end vehicles have a higher insurance premium simply because the cost of repairs/replacement is higher.

Fuel type

Cars that run on petrol are less expensive to repair than those on diesel or compressed natural gas. Therefore, the four-wheeler insurance premium may vary according to the fuel type.

Year of manufacture

The car’s year of manufacture and age is taken into consideration while calculating the premium amount.

Location

Accidental damages are more likely in metropolitan areas due to the density of traffic. As a result, the insured’s premium may differ depending on where the insured lives.

No Claim Bonus (NCB)

If the insured has not filed any four-wheeler insurance claims previously, the holder may be eligible for a discount between 20-50% on the rate. Additionally, the online car insurance renewal will also lower the price.

Add-ons

Car Insurance Add-ons selected by the insurance holder will be included in the policy for an extra cost.

How to save on wheeler insurance premium

Here’s how you can save on the car insurance premium:

NCB

The insurance holder can collect up to 50% of NCB if he/she hasn’t filed any claims in the preceding years.

Security measures

The car insurance policyholder may be eligible for a discount if the insured has taken extra precautions to keep the four-wheeler safe from being stolen. For instance, installing an anti-theft device (authorised by ARAI) on the insured’s automobile will often result in a 2.5% reduction.

How can you save on your car insurance premium?

Following are some suggestions on how to reduce insurance premiums -

  • Compare the policies online to find a suitable deal.
  • Evaluate voluntary deductions when buying four wheeler insurance.
  • Installing anti-theft devices.
  • Make use of the no-claim bonus during car insurance renewal.
  • Increasing the deductibles of your policy.

What are the benefits of renewing your car insurance online?

Some of the notable benefits of renewing a four wheeler insurance online from us are -

Faster processing:

You can apply and get your four wheeler insurance renewal completed within a few minutes.

Minimal documentation:

Renewing the car insurance policy online on time helps you avoid dealing with the paperwork, as you don’t need to submit extensive paperwork.

Secure and transparent:

Online wheeler insurance policy renewal is a secure and transparent process. You can check every detail of a policy and then make a decision.

Steps To Renew car insurance online

Buying four-wheeler insurance online is a quick, convenient, and hassle-free process. Follow these simple steps below to purchase your four wheeler insurance:

  • Click on 'Apply Now' once you have chosen a product suitable to you and fill in the details necessary in the application form.
  • Pay the fee online using your preferred payment mode.
  • Fill in your name and mobile number.
  • If required, opt for a call back from a representative or click on 'Buy Now' to complete the process.

The online process of car insurance renewal is just as easy:

Step 1: Log on to the Bajaj Allianz General Insurance website
Step 2: Go to the renew/buy section.
Step 3: Enter the elementary details like name, contact details, and details of previous motor insurance policy.
Step 4: Further, enter the vehicle details like model name and type, age and the percentage of NCB earned during the previous period.
Step 5: Finalise the policy coverage and select suitable add-on covers.
Step 6: Make payment through any of your preferred modes to complete the process.

Documents Required For Cashless And Reimbursement Claim

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original bills for the repairs of the car (in case of reimbursement claim)

Coverage under standalone own damage vs third-party vs comprehensive car insurance

These three different types of 4 wheeler insurance policy are designed to meet individual requirements. If you have a third-party car insurance policy, you can buy the standalone own damage cover to get adequate coverage for your vehicle. However, with a comprehensive car insurance policy, you can get both the coverages in one policy.

Below are two comprehensive insurance policies offered by Bajaj Finance. You can compare and buy the policy that suits your requirement best.

Coverage Standalone OD cover Third-party cover Comprehensive car insurance cover
Third-party damage (bodily injury and property) No Yes Yes
Own damages of vehicle Yes No Yes
Car theft Yes No Yes
Personal accident cover Yes No Yes
Add-on benefits Yes No Yes

Available Add-ons with Bajaj Finance Car Insurance Policy

Here are some of the add-on benefits offered under four wheeler insurance policies by Bajaj Finance:

Zero depreciation cover

Also known as a bumper-to-bumper cover, with the zero-depreciation add-on, you can nullify the depreciation factored in during claim settlement. In this cover, you receive the full claim amount as mentioned in the policy documents initially. Also, it covers the depreciation of the value of spare parts.

Engine protector

Expenses incurred as a result of engine damage are not protected by standard four-wheeler insurance plans. Engine protector add-on helps you save up to 40% of the amount you would spend on getting your car’s engine fixed.

Key and lock assistance

This add-on is designed to cut down on the costs associated with missing or damaged keys. We take care of the entire purchasing and replacing of not just the car key but the entire locking system.

CNG kits

Customers can purchase an add-on service along with a standard car insurance policy for externally/internally fitted CNG kits by paying nominal premiums.

Compulsory Personal Accident cover

PA cover for the owner and driver is available as an add-on benefit. So, if you suffer injuries due to an accident while driving your car, the insurance company will pay up the amount mentioned in the defined cover.

24*7 spot assistance

This is one of the most useful 4 wheeler insurance add-ons because it means you are never left stuck on the road due to a car problem. No matter if you must get a tyre changed, have an expert look into your car’s engine, or need assistance in settling an accident, our team is just a phone call or a click away from assisting you. Support & assistance is provided in case of car breakdown, flat tyre/battery, etc. throughout the day, 24x7.

Consumables Expenses

Consumable items of a car include nuts and bolts, screws, washers, grease, lubricants, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil and related parts. The basic car insurance policy does not cover such consumable items. However, with an additional premium, you can opt for this add-on, whereby any expenses arising out of damage or loss to these parts can be covered under the policy.

Personal baggage

The personal baggage add-on protects your personal belongings and reimburses you for any losses incurred as a result of damage or theft from the vehicle.

Conveyance benefits

With this add-on, you don’t have to worry about burning a hole in your wallet for the daily cab or transportation charges you are likely to pay during your car’s servicing. We take care of your post-accident conveyance for your everyday commute.

Steps to file a car insurance claim online

Following is a step-by-step guide on the process of initiating a car insurance claim online -For BAGIC

Step1: Register your claim


Call our Toll-Free Numbers 08698010101/1800-209-0144 /1800-209-5858 and connect to us instantly.  Please provide the basic details like:

  • Contact number 
  • Engine and chassis number 
  • Date and time of the accident 
  • Description and location of the accident 
  • Vehicle inspection address 
  • Kilometre reading 

Step 2: Send in your vehicle for repair

  • Move your vehicle to the garage from the accident spot (in case of an accident) or have it towed to avoid further damage. 
  • Should your vehicle not be found within 90 days, ask the police to issue a Non-Traceable Report (an undertaking that they are yet to find your vehicle) and hand over the report to us. You can then sit back and let us take care of the rest. 

Step 3: Survey and Claim Settlement

  • Submit a copy of the documents to your preferred garage/dealer and have them tallied with the originals. 
  • Is the damage not too severe? Only got a cracked windshield or a bumper that has come off loose? In that case, we suggest you let our Motor OTS (On-The-Spot) service take over.  
  • We will repair your vehicle (within X working days) at a network garage of your preference, deliver it to your doorstep and pay the garage directly. 
  • You will only have to pay the excesses (as mentioned in the policy) and the depreciation value as informed by the surveyor.  
  • With Bajaj Allianz Motor Insurance, you can secure your vehicle and avail a host of other add-ons such as Roadside Assistance.  

For Acko :

BFL Helpline Number: 08698010101 
ACKO Insurance Helpline Number: 1800 266 2256 (toll-free) 
Email: wecare@bajajfinserv.in     
Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014. 

*For claim related issues, please refer to your policy document or certificate of insurance (COI). 

Documents Required for Car Insurance Claim Process Online

Requesting for four wheeler insurance claims is not a hard nut to crack. It is important however to have the correct set of documents on hand. The following are the documents required to file a car accident insurance claim:

  1. Car insurance policy paper or a copy of the cover note.
  2. Driving License of the person behind the wheels.
  3. RC or registration certificate of the insured vehicle.
  4. A valid claim intimation form.

Car Insurance Frequently Asked Questions FAQs

1. Can I renew my car insurance policy online?

Yes, you can easily renew your policy online. Also, you can get a No-claim bonus or NCB (if applicable) and exclusive online discounts for the renewal of the policy.

2. How to download a Bajaj Allianz Car Insurance Policy?

You can download the Bajaj Allianz Insurance Policy online by entering your policy number on the official website of Bajaj Allianz General Insurance. The insurance company also sends a hard copy of the policy documents to the registered address.

3. Can I buy car insurance online?

Yes, you can buy four wheeler insurance online. It is faster and easier. You just need to provide your details and information about the car to obtain a quick quote for getting your car covered. Bajaj Finance also offers the facility to apply for car insurance online.

4. Why do I need car insurance?

If you are driving on the roads, you must have 4 wheeler insurance. Here’s why:

Mandatory by Law: Under the Motor Vehicles Act, 1988, it is illegal to drive on Indian roads Without third Party liability car insurance.
Unexpected expenses: A car accident is an unforeseen event that can incur a huge amount of expenses. Not having a policy can hit your savings and leave you cash-strapped.
Third-party damages: Damaging someone else’s property or vehicle due to a collision can land you in a nasty situation. If you have four wheeler insurance, then you can get the third-party damages compensated without any hassle.

5. What will happen to my car insurance policy if I change my city?

If you change your city, your car insurance premium may get affected. This is because the premium for a car depends on the geographical location where it is used. If you move to a more risky place, you will have to pay a higher premium. Moreover, you will also have to update your contact details with your insurer.

6. Are offline and online car insurance policies the same?

Yes, the car insurance policies are same whether purchased offline or online. The only difference is you buy the 4 wheeler insurance online by visiting the insurer’s website, whereas for offline, you need to visit the insurer’s nearest branch or office. Purchasing the policy online is easy and convenient. Once the four-wheeler insurance holder has paid for the online insurance, the policy provider will email the buyer the policy documents and send them to their registered address.

7. Where can I check my car insurance policy details?

You can check the information on the provided policy documentation. You can also verify the policy details by logging into the insurer’s website by simply filling in these details.
-Policy number
-Start and end date of the policy
-Type of policy (comprehensive, own-damage, or third-party insurance)
-Number of the engine and the chassis

8. What is an endorsement?

An endorsement is written documentation of the car insurance policy that states the changes in the policy agreed between the insurer and policyholder. It's a document that reflects any additions made in the terms that adjust the policy coverage. This document is essential, and it mentions all the key points that the car insurance policyholder should note.

9. What is a voluntary deductible?

Voluntary deductible is the advance payment that a policyholder makes for any repairs and replacement work of their car. During claim settlement of the car insurance, an insurance provider can subtract this amount with other deductibles and then decide the final settlement amount.

10. How can I cancel my claim?

You need to contact your respective car insurance policy provider to cancel a claim. The insurer may ask you to submit a written complaint and associated papers with it.

11. In a year, how many times can I apply for a claim?

In a year, you can initiate as many claims as you want. However, the total claim amount will not exceed the coverage amount mentioned in policy documents.

12. What is ‘No Claim Bonus (NCB)’ in a car insurance policy?

A no claim bonus or NCB is a discount the policyholder receives on premium renewal if they have not made any claims during the previous insurance policy term. An eligible policyholder can claim up to a 50% discount in a comprehensive four wheeler insurance plan. However, third-party car insurance does not offer NCB benefits.
Though the insurance plan can be transferred to a new insurance provider during a vehicle transfer, the NCB can't be transferred. The new buyer must pay for the outstanding balance. However, the car's original/ former owner can use the accrued NCB benefits when insuring their newly acquired vehicle.

13. What happens to the motor insurance policy if I sell my car?

If you decide to sell your car, the ongoing motor insurance policy must be transferred to the buyer's name. The buyer should apply for the insurance transfer within 14 days of the vehicle sale. On the other hand, you may transfer the ongoing policy to a different vehicle you own. In such an instance, the buyer must purchase a new policy for the transferred vehicle.

14. How can I download a car insurance certificate/policy?

You can download the insurance certificate/policy online. Follow the below steps to download the policy hassle-free:

  • Visit the official website of the insurance provider.
  • Log in to your account and provide your car insurance policy number.
  • Fill in the personal details like mobile number or email ID.
  • You will receive an OTP on your registered mobile number for verification.
  • The insurer will send you a digital copy of your four wheeler insurance policy/certificate at your email address.
  • You can easily download your copy of the car insurance certificate/policy from the email.

Alternatively, if you have the Bajaj Finserv App, you can access your policy document in the My Account section.

15. How to request a claim cancellation for my car insurance?

You can contact your insurer directly and inform them if you decide to cancel your claim for insurance. If an inspection is scheduled, you may even speak to the appointed surveyor regarding claim cancellation.
However, there is no option for cancelling third-party liability claims when you are at fault for accidental damages or loss caused to a third-party individual or property.

16. Do I need to have a valid insurance policy to get my new vehicle registered?

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

17. How much time will it take to get my policy document if I buy/ renew car insurance online?

If you have purchased/ renewed four-wheeler insurance online, you will most likely receive your policy document on your registered email id within a few minutes of paying the premium.

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