Motor Insurance

Motor Insurance, also called vehicle insurance is necessary to buy for trucks, scooters, cars, bikes, etc. This insurance is compulsory that offers cover if your vehicle gets physically damaged, lost, or theft, etc. due to the human-made or natural disasters. 

To provide full safety and security and in case lot of damage to their vehicle insurance save from huge amount of repair or replacement costs

Motor insurance plan is important as well as compulsory under the Motor Vehicles Act of India, 1988, i.e., if you own a vehicle in India then it is necessary to always carry motor insurance primarily inclusive of the third-party insurance cover.

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Features & Benefits of Motor Insurance

There are several features and benefits offered by the insurance companies to the customers to keep them and the other party safe and secure on the track. Add-ons are also applicable by paying a little more premium amount. Let’s check out some primary advantages of motor insurance:

• Instant and hassle-free purchase of policy online without wasting a minute.

• Online renewal of insurance policy is also available within a few clicks.

• It provides huge coverage against theft, loss, fire, damage due to accident, etc. for both two-wheeler or four-wheeler.

• Inclusive of the third-party liability coverage for any damage or loss by the owner of the vehicle.

• It offers cashless claim benefit to the policyholders for easy claim anywhere, anytime.

• Network garages are available by insurance companies where you can easily repair your bikes or cars whenever required.

• You can also choose your preferred garage and reimburse the claim amount later.

• No Claim Bonus facility is available to the insurance holders and they can also transfer it from any insurer to another insurer.

• Claim assistance and constant customer support are provided by the companies along with SMS updates for the status of your claim.

Points To Remember In Buying Motor Insurance

• The internet is a simple and comfortable mode of buying an insurance plan online. Try to make a purchase online without any hassles and save your precious time.

• You always need to check the features and benefits offered by a plan and check whether they are syncing with your particular requirements or not as it is crucial to meet the requirements to fulfill the insurance needs.

• You need to make sure that the insurance will provide cover from physical injuries so that in case of any mishap you do not have to face hurdles for treatment.

• Check for the policy period of the cover, and whether it commits to the expenses for the repairs of the vehicle.

• Make sure that the company provides network garages for a quick repair of the damages and making a quick claim at the moment.

• Hence, you need to do some research to get the best plan. Check for the company’s reputation, claim settlement ratio, network garages, etc.

• Apart from that, you should read all the terms and conditions of the policy that will help you in choosing the best and hassle-free ways during the time of claim settlement.

Documents Required for Motor Insurance

Minimum documentation is required for purchasing motor insurance especially when you are buying it online. Let us have a look at the following documents necessary for the purchase.

To Buy a New Policy:

• Proposal form with details

• Copy of Registration Certificate (RC) of the vehicle

To Renew the Motor Insurance Plan:

• Proposal form with details

• Copy of the former policy document

• Copy of Registration Certificate (RC) of the vehicle

It is crucial to register the vehicle at the Regional Transport Office (RTO) if an individual is driving a vehicle for any purpose may be of personal or commercial use, etc.

The government of India has made it mandate to carry the insurance documents of your vehicle along with the driver's license while driving on the roads otherwise you might have to pay heavy penalties for not carrying the same. Make sure after purchasing the insurance policy carry the documents whether as a soft copy or hard copy along with you.

Claim Process of Motor Insurance

• The policyholder needs to provide an in-detailed approximation of the loss and expenses to the insurer.

• The insurance company will then send an incident inspector for the survey of the whole case and pass on the feedback to the company for further process.

• The company will review the vehicle and look into the matter deeply subject to the regulations declared.

• After inspection at the company's level, they will directly issue a letter for the reimbursement of the repair expenses or process the cashless claim from the listed network garage nearest to the policyholder.

• The documents required for the process depend on vehicle type and the amount of damage occurred. The following are the documents required: driving license, fitness certificate, FIR (First Information Report), repair bills and receipts.

Documents Required for Insurance

For New Policy:

   • RC details

   • Vehicle details

   • Owner ID proof

For Renewal:

   • Previous insurance copy

   • RC (Registration Certificate)

   • KYC documents (if required)

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Don’t wait for accidents or last dates. Secure your Honda Activa with the right insurance plan and ride stress-free.

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