Welcome To Shri Balaji Global Insurance Solution Pvt. Ltd.!
Welcome To Shri Balaji Global Insurance Solution Pvt. Ltd.!
A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity.
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Did you know in case of your car breaks down, you are entitled to get a pickup service while your car get a towed service under certain policies?
Did you know that repair to your accidentally damaged vehicle can be arranged cashless through the selected garages across the country?
Did you know that you can extend third party property damage liability up to 7,50,000 under this policy with some additional premium?
Did you know that you can cover any damage of your windscreen glass by paying some additional premium without your no claim bonus getting affected?
Did you know that by paying additional premium, depreciation during replacement of car parts can be waived?
Did you know that by paying additional premium, depreciation during replacement of car parts can be waived?
Car Insurance, alternatively known as motor insurance or auto insurance is a specific policy that you buy for the protection of your vehicle against any sort of damages due to inescapable or unfortunate accident. Since India is a country mainly known for its vast population, car accidents have become a daily drama here. No matter how safely you drive your car or how responsibly you manage your vehicle, accidents can happen just as fast as we blink isn’t it? Imagine this: you parked your car outside a shopping mall and when you come back from shopping after a couple hours, with a bolt from the blue you discover a big dent on the back of your car. How do you deal with such situation? Well, fortunately, that’s when your online car insurance policy comes into its role play.
Car insurance policies can literally serve you more than you can ever think. The importance of car insurance in India is directly linked to the law imposed by the Government of India. As per Motor Vehicles Act, 1988, it’s mandatory for all motorists to possess at least the third motor insurance. Having car insurance in India is important as it covers all the costs incurred from such events of vehicle damage or injuries done to other driver, pedestrians or passenger involving your vehicle. Online car insurance policies also play a vital role by providing coverage against various loss or damage to your vehicle resulting from Theft, Accident, Fire or Explosion, Lightening, Self Ignition, Strikes, Riots, Disaster, Act of Terrorism, Transit by Rail, Road, Air and so on depending on the type online car insurance plan you choose. To enjoy the benefits of an auto insurance coverage in India one needs to pay for the premium on their car insurance policy.
In general, you will be offered two types motor insurance covers by a car insurance company within their car insurance plans. The Two types of motor insurance plans are Third Party Liability Car Insurance Coverage and Comprehensive Car Insurance Coverage.
The first party who is the owner of a four wheeler buys a motor insurance policy from the second party that is the car insurance company for the protection against the claims of a third party that can be a driver of another vehicle, passengers or even pedestrians. Third Party car insurance policy is specifically designed to cover any property damages or bodily injuries to a third party caused by your vehicle. It’s obligatory to have third party car insurance for all motor vehicles piling on road in India.
Comprehensive car insurance is an optional car insurance policy that comes with higher level of protection for your vehicle. The best advantage of buying comprehensive car insurance in India is that it protects your own vehicle against various damages arising from accident, fire, vandalism or even theft plus it also takes care of the third party liability claims. Some extra features and benefits are offered with comprehensive car insurance plan by the best car insurance company in India.
Like the name suggests, add on covers for motor insurance stand for additional coverage that are not included with a comprehensive auto insurance plan. To purchase add on cover for your vehicle, you’ll have to make some extra payment along with your car insurance premium. Best car insurance companies in India offer auto insurance policy buyers with a broad range of effective add on covers and attractive discounts. Car insurance company offers various add on covers from which you can pick as per your requirements for your four wheeler insurance. You can choose one or multiple add on covers for your auto insurance. Including add on covers in your motor insurance policy is subject to your car insurance premium. Some of the best add on covers for car insurance policies are following.
The car insurance company will calculate depreciation on certain parts of your vehicle at the time of claim settlement. This procedure leads to getting less claim amount. However, purchasing Zero Depreciation or Nil Depreciation cover for your auto insurance policy entitles you to get the full amount on your claim.
Car engine is not covered by an auto insurance policy in general. Engine Protect cover pays for any engine-related repairs or damages that are not related to accidents. This add on cover is mainly suggested for the owners with high end cars. Engine protector can be purchased in a policy for the cars up to three years of age.
This is a very crucial add on to consider for your motor insurance policy. Car insurance company provides round-the-clock services like towing, refueling, change of flat tyre, arranging for a mechanic in case of vehicle breakdown under Roadside Assistance cover.
No Claim Bonus is an additional discount on premium offered by car insurance companies to their policyholders for not filing any claim during a policy term. This discount is applicable on your auto insurance premium. This add on cover can help you save money on your car insurance premium by up to 50% on the basis of claim free years on your policy.
Car insurance online certainly has a plethora of benefits to offer. The list of advantages for car insurance comprises of the following.
It is heartening to hear all the good things that our customers had to say about our product benefits and customer service. Hear from our Customers who experienced with us.
Excellent Life insurance plan! Covers annual health check-up for all family members . The customer support is really good and fast. Would recommend SBGIS to all.
Usually, when we think of insurance, we have to do some research to understand what's covered. It's been one of the most hassle-free experiences so far.
I have been very satisfied with your platform and services so far. Everything is super simple.Thanks for your extraordinary support and we love the way you expressed with the customer.
Very helpful team of SBGIS, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.
Car insurance quotes online in India depend on some parameters. To calculate online car insurance quotes you need to look at the following criteria:
• Find out the correct age of the vehicle that helps to evaluate online car insurance quote. Online car insurance quote increases as the vehicle gets older. There are three age-slabs to determine motor insurance quotes online like 5, 10 and 15 years. If you compare car insurance quotes online as per the age, you can see that older cars trigger higher online car insurance quotes.
• Cubic capacity of the vehicles is the prime feature to calculate online car insurance quotes. Similar to age, the cars with higher cubic capacity also attract higher car insurance quotes online. There are three slabs such as less than 1000 cc, between 1000 cc and 1500 cc and more than 1500 cc to assess online car insurance quotes according to cubic capacity.
• IDV of the car helps to figure out the quote. As the Insured Declared Value (IDV) increases, online motor insurance quotes get elevated as well. If you make car insurance quotes comparison of two cars with same IDV or Insured Declared value, car insurance quotes online will differ on the basis of other factors
• Vehicle registration location also helps to assess online car insurance quote. It plays an instrumental role in working out online car insurance quotes. There are two zones in terms of car insurance quotes. Zone A consists of 8 major cities in India where auto insurance quotes are higher. The rest of India comes under zone B and car insurance quotes are lower in zone B. If you make car insurance quote comparison in terms of these two zones, cars registered in zone A will attract higher online car insurance quotes because the risk of accident and theft is higher in zone A. Your four wheeler type also influences car insurance quotes online
•Type of the fuel of car determines online motor insurance quotes
Apart from these, if you make online car insurance quotes comparison of two vehicles of the same age, car insurance quotes online will vary in terms of cubic capacity and location.
SBGIS.IN is the fastest growing online insurance marketplace from where you can easily and instantly compare various general insurance policies offered by different reputed insurance companies in India and buy or renew your policy with the highest coverage at the lowest premium. We are tied-up with the top providers of motor insurance policies across the nation. Our goal is to bring affordable insurance policies to the entire population of the country. Our team is dedicated at providing any required assistance regarding policy premium payment, claims etc. and much more.
If you buy or renew vehicle insurance policy online, it doesn’t mean that car insurance company will cover every damages in all circumstances. Car insurance exclusion stands for a provision within an auto insurance policy that eliminates coverage for certain acts or damages and they include the following.
• Your motor insurance will not cover any damages if you get caught driving under the influence of alcohol or drugs.
• Any sort of accidental damages done to your vehicle while using it for illegal activities.
• Damages or losses incurred while driving without a valid license.
• Losses or damages done to your car due to war and nuclear risk.
• If you use your car for commercial purpose with the license of private car, your insurer will not compensate in case of damages.
• In case of consistent wear and tear, your auto insurance provider will not pay for regular mechanical expenses.
