Car Insurance in Mangalore

Discover how to secure car insurance in Mangalore and protect your vehicle with the right coverage.
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3 min
11-May-2024

Mangalore, a coastal city in Karnataka, experiences unique traffic conditions and weather challenges, making car insurance essential for vehicle owners. Whether for legal compliance or financial security, car insurance in Mangalore is crucial to mitigate risks on the road. Explore the key aspects of car insurance in Mangalore and find suitable policy options tailored to your needs.

Why should you buy car insurance in Mangalore?

Owning car insurance in Mangalore offers several benefits:

Financial coverage against damages

Car insurance provides financial coverage against damages to your vehicle and liabilities towards third parties.

Legal compliance

The Motor Vehicles Act mandates car owners to have at least third-party liability insurance. Driving without valid insurance can lead to penalties or legal consequences.

Protection against adverse weather conditions

Mangalore experiences heavy rainfall during monsoons. Car insurance covers damages caused by natural calamities like floods or landslides.

Vehicle theft protection

Comprehensive car insurance in Mangalore offers coverage against theft incidents, providing financial reimbursement in case of vehicle loss.

Peace of mind

Car insurance ensures peace of mind while driving in Mangalore's traffic, covering repair costs, liabilities, and legal expenses from accidents.

Types of car insurance policies in Mangalore

Car insurance options in Mangalore include:

Third-party liability Insurance

This basic coverage is mandatory under the Motor Vehicles Act, protecting against legal liabilities for injury, death, or property damage caused to third parties by your vehicle.

Comprehensive car insurance

This policy offers extensive coverage, including third-party liabilities and damages to your vehicle due to accidents, theft, fire, natural disasters, and vandalism.

Own damage car insurance

Often included within comprehensive policies, this coverage specifically covers damages to your vehicle caused by accidents, fire, theft, or other covered perils.

Add-on covers

Car insurance providers in Mangalore offer various add-ons like zero depreciation, roadside assistance, engine protection, and key replacement to enhance coverage.

Choosing the right car insurance policy in Mangalore depends on individual preferences, driving habits, and budget considerations.

Coverage offered under car insurance in Mangalore

Car insurance coverage in Mangalore includes:

Accidental damages

Coverage for damages resulting from accidents, collisions, or impacts with objects or vehicles.

Theft

Financial protection against vehicle theft, covering the insured value of the stolen vehicle.

Fire

Car insurance policies in Mangalore also cover damages caused by fire incidents, including accidental fires or arson.

Natural disasters

Compensation for repair or replacement expenses due to floodwater ingress, storms, or other calamities.

Personal accident cover

Financial compensation for accidental death or disability resulting from a road accident involving the insured vehicle, including medical expenses.

How to buy car insurance online in Mangalore?

Follow these steps to purchase car insurance online in Mangalore:

  • Compare policies from insurers online.
  • Visit the insurer's website or app; you can also visit insurance marketplaces.
  • Fill in vehicle and personal details to get quotes.
  • Select desired coverage and add-ons.
  • Make payment online.

Buy car insurance policies on Bajaj Finance Insurance Mall

Looking to buy or renew car insurance policy in Mangalore online? Bajaj Finance Insurance Mall offers a convenient platform for you to buy car insurance plans online. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks.

Traffic Do's and Don'ts in Mangalore

Navigate Mangalore's streets safely with these traffic guidelines:

Do's:

Adhere to traffic signals and rules

Following traffic signals is crucial for smooth traffic flow and reducing the risk of accidents and legal violations.

Maintain lane discipline

Proper lane discipline prevents congestion and abrupt lane changes, enhancing overall road safety.

Use indicators while changing lanes

Signalling your intentions alerts other drivers, improving traffic coordination and reducing collision risks.

Don'ts:

Avoid overspeeding

Excessive speed is a leading cause of accidents in Mangalore. Adhere to designated speed limits to maintain vehicle control.

Refrain from using mobile phones while driving

Distracted driving compromises concentration and reaction times. Prioritise road safety by avoiding mobile phone use.

Never drive under the influence of alcohol

Driving while intoxicated is illegal and significantly increases accident risks. Ensure safety by refraining from alcohol consumption before driving.

Drive without motor insurance

Having a valid motor insurance policy is mandatory for legal compliance and for being financially protected against unforeseen damages to your vehicle.

Adhering to traffic rules and adopting safe driving practices reduce the likelihood of accidents, minimising insurance claims and premiums.

Conclusion

Car insurance is essential for vehicle owners in Mangalore to safeguard against financial losses and legal liabilities. Understand the available policies, coverage options, and traffic regulations to ensure safe driving experiences in the city.

Frequently asked questions

How can I purchase car insurance in Mangalore online?
Compare policies, check coverage, and go through simple steps to select the best car insurance plan online in Mangalore.
Are there any add-on covers available under car insurance in Mangalore?
Yes, car insurance add-ons like zero depreciation, engine protect, roadside assistance, and more are available in Mangalore.
Will I require any documents for car insurance renewal in Mangalore?

Keep your previous policy documents, vehicle registration copy, and personal identification handy for car insurance renewal in Mangalore. These documents may be required during the renewal process.Top of Form

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, ACKO Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler within 1,000 CC, between 1,000 and 1,500 CC and exceeding 1,500 CC. Premium may vary based on the specification of the vehicle.