Automobile Desk: If your car insurance policy is about to expire or you have recently purchased a new car, then there is no need to make rounds of insurance agents or offices. In the digital era, you can now get car insurance from your smartphone in just 5 minutes. The facility of online insurance not only saves your precious time but also gives you the opportunity to choose an affordable and better plan by comparing policies of different companies.
The process of taking insurance online is very straightforward and easy. For this you only have to go to the mobile app or website of a trusted insurance company or aggregator portal. At the beginning of the process, you are asked to provide basic information like vehicle registration number, make and model, manufacturing year. If you are renewing an old policy, then the details of the old insurance copy have to be entered. As soon as you enter these details, various insurance options like third-party and comprehensive appear on your screen according to your vehicle.
Some things should be kept in mind while choosing the policy, so that the claim is not rejected if necessary. It is not wise to choose a policy just by looking at the cheap premium. It is very important to check what coverage you are getting in the insurance and what losses are excluded. If you take add-on covers like Engine Protection, Zero Depreciation or Roadside Assistance, the vehicle gets additional protection.
The best way to get a huge discount on premium is through 'No-Claim Bonus' (NCB). If you have not made any claim on your old policy in the past years, then companies give huge discounts in the premium at the time of renewal. This discount increases with each claim-free year. Additionally, companies often provide direct discounts and special promotional offers on online platforms. You can get a good deal by comparing the premiums, deductibles and claim settlement ratios of two to three different companies.
After selecting the plan you need, confirm the requested information and make a secure payment through digital means. Once the payment is successful, your policy is instantly generated and its soft copy is sent to your registered email ID and WhatsApp. According to traffic rules, it is mandatory to carry valid insurance while driving, so always keep this digital copy safe in your phone. By renewing the policy on time, you not only avoid huge challans, but also remain safe from financial risk in case of any accident on the road.
