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Also known as motor or vehicle insurance is insurance for cars, trucks, cabs, and other four wheeler plus vehicles. Having the right auto insurance does much more than keep you safe on the road. It also protects you and your loved ones from financial loss in case of personal injury, or in the event of a liability claim when you’re at fault. According to the type of policy and coverage options you select, your auto insurance may even pay for lost wages while you recover from your injuries or for funeral expenses if the unthinkable happens.

Benefits of motor/car Insurance Renewal through Innovative Insurance

★ 75% DISCOUNTS: Get up to 75% discounts on own damage premium. The discount rates vary for each Car make, model and RTO. Check out the rates of car insurance online against your car!
★ UNBIASED EXPERT ADVICE: We have a team of experts to help you pick the right car insurance policy. We recommend listening to their advice and making your own decision. Car Insurance Renewals also becomes a really easy task because of our expert’s unbiased advice.
★ POST-SALES ASSISTANCE: Our service managers are there to help you with any concern from claims processing to car insurance renewals. Confused about some clause? Need something changed? Want to file a claim? We are here to help.

★ NO PAPERWORK: Since the entire process is online, there is no paperwork involved. You simply have to upload the documents.
★ CONVENIENT AND SAVES TIME: Buying a car insurance plan online is not only cheap but it saves time as you are not required to visit the insurer’s office.
★ QUICK RECEIPT OF POLICY: Once the premium has been paid online, the policy is emailed to your inbox within 24 hours.
★ CASHLESS FACILITY: The car insurance policy provides cashless facility in their network garages across India.
★ EASY TO BUY ONLINE: It is easier to purchase a car insurance plan as you can pay directly via net/credit/debit card banking.

There is every General Insurance Company provide this insurance, you may contact us for hassle-free services and a free quote.

There are 3 types of car insurance policy that are available in India

Comprehensive Car Insurance

A comprehensive four wheeler insurance policy provides coverage for third party liability as well as damages caused to your own car. In comparison with third party liability car insurance, a comprehensive four wheeler insurance policy offers extensive coverage, more benefits and covers the damages caused to the insured car in case of an accident, collision, theft, etc.

A comprehensive policy can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc. This type of coverage is the most popular as it offers end-to-end coverage and thus less stress for the policyholder.

Third Party Car Insurance

Third party car insurance safeguards you from any legal liability due to your own car’s involvement in an accident. Your insurance provider will compensate you for death, disability, injury, or property damage to any third-party. Therefore, you are protected from the financial liability towards the third-party.

Third-party Liability Car Insurance is a mandate in India under the Motor Vehicles Act, 1988.

Pay as You Drive Insurance

Also known as usage-based motor insurance, this insurance policy allows the insured to pay the insurance premiums as per the kilometers driven. This newly introduced product likely to be helpful for those with multiple cars not all of which are used so frequently. As per the IRDA guidelines under the Sandbox project, a few insurers such as Bharti AXA, Acko General, ICICI Lombard have started offering Pay As You Drive insurance policy, through their website, online aggregators websites, agents or other distribution channels. The policy offers comprehensive coverage for own damage and third-party liability on a pilot basis for a term of one year. The policy seeker will have to declare the distance he/she expects to travel during a policy year and based on that premiums for Pay As You Drive policy will be decided. However, the insurers have come up with 3 slabs for distance covered -Rs 2,500 km, 5,000 km and 7,500 km.

Car Insurance Renewal Checklist

While renewing your car insurance renewals, leave no scope for ‘blind spots’.

Coverage: If you only have third-party plan, then you need to consider getting a comprehensive policy. This will cover you against heavy expenses of repairing your car in case of an accident.

Check IDV: You need to get suitably compensated in case of theft/loss. Depending on your car’s age, re-evaluate your car’s Insured Declared Value against premiums. By this, you’d know if you have got the best price.

Claims Check: This makes a huge different. If you haven’t checked the claims ratio of your previous insurer, don’t skip verifying it now.

Check Cashless Garages: Take sure you look for the cashless garages near your area that would provide, repair services for your car.

Ideal Add-ons: If you were not aware how add-ons can help you during claims, this is the time. If your car’s age is less than 5 years, consider covers like Zero Depreciation or Engine Protector or Return to Invoice.

Deductibles & Discounts: Check if you’ve got all discounts that you are eligible for. A deductible indicates the amount you will have to pay every time before claim. If your policy includes it, ensure that it fits your budget.

What Is Not Covered Under Car Insurance?

• Damages caused to the vehicle while driving under the influence of alcohol.
• Loss and damages that take place because of war and nuclear risk.
• Accidental damages that take place while using your car for illegal activities.
• Regular mechanical expenses because of consistent wear and tear.
• Losses incurred while driving without a valid license.

Documents Required for Claim Settlement

In case of third party

• Name of the insured individual
• Policy number
• Contact number
• Date and time of the accident
• Number of the vehicle
• Make and model of the car
• Location and extent of loss
• Name of the garage along with contact information
• Brief description of the accident

In case of theft

• Original policy document or certificate
• Registration book along with theft endorsement from the concerned Regional Transport Office plus tax payment receipt
  Details of the insurance policy, such as policy number, period of insurance, and the insurance company
• All sets of service booklets, keys, and warranty cards
• FIR or police panchnama along with JMFC report or final investigation report
• Acknowledged copy of letter addressed to the Regional Transport Office intimating theft

In case of an accident

• Proof of insurance – cover note or policy copy
• Registration book copy and original tax receipt
• Driving license copy along with the original (of the individual driving the car at the time of the accident)
• FIR or police panchnama (for bodily injuries or death or damage to third party and/or his/her property)
• Estimate of the cost of repair
• Payment receipts and repair bills following the completion of repairs

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