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GetEssential Parameters to Consider for Comparing Car Insurance Online
Sep 9, 2025
To get the best coverage for your car, you need to shop around for auto insurance online ahead of time. It might be daunting to navigate the world of quotes and coverage options, though. This article will examine some important factors to consider when selecting a suitable auto insurance plan for your automobile in order to speed up, simplify, and improve the convenience of the process. These days, deciding between [comprehensive and third-party auto insurance is simple(https://www.sbigeneral.in/blog/motor-insurance/motor-decoding-insurance/first-party-and-third-party-coverage-in-car-insurance). Third-party insurance, which covers other people involved in accidents, is emphasised as a legal need in India. Comprehensive insurance, on the other hand, provides a wider variety of protection, including coverage for auto repairs and theft. The greatest add-on choices are likewise available, including protection cover, engine protection cover, roadside help, and much more. People may make sure they have the right coverage for their needs and comply with the law by comparing these policies.
Motor Insurance Comparison by Policy Types
Third Party Car Insurance
- Others' peace of mind: It relieves them of a significant financial load by covering their car's repairs and the wounded parties' medical expenses.
- Legal requirement: In India, third party car insurance is mandated under the Motor Vehicles Act of 1988, much like seatbelt use. You're remaining safe and abiding by the law, then!
- Keeps it simple: This policy just covers what is required by law, keeping things straightforward. If your automobile is damaged in an accident, it won't pay for repairs.
Comprehensive Car Insurance
- Protection from theft: Do you have steely nerves when it comes to parking? Because comprehensive insurance covers your vehicle in the event of theft, it provides peace of mind.
- Natural disasters and bad luck: Are you worried that your automobile can be damaged by fire, floods, or even naughty monkeys (yes, they do happen!)? You are also protected in those circumstances by comprehensive insurance. Your life is far more valuable than your car. Additionally, comprehensive health insurance guarantees that you won't incur additional costs.
- All-around protection: It provides financial support in the event that you damage another person's vehicle or hurt someone in an accident, much like third-party insurance does.
- The hero of your car: But there's still more! Comprehensive car insurance, as opposed to third-party insurance, also pays for auto repairs if your vehicle is destroyed in an accident.
Parameters for Comparing Car Insurance Effectively
Now let's look at the important factors to consider while choosing a suitable comprehensive car insurance company: -
- Coverage type
As previously covered, there are several kinds of coverages, including:- Third-Party Insurance
- Comprehensive Insurance Coverage
Since coverage is the primary form of protection for your automobile, choose it wisely based on your needs. By spending more for these extra features, you may better secure your vehicle.
Zero depreciation cover
Comprehensive car insurance only pays for the car's reduced value in the event of an accident. Regardless of depreciation, a thorough analysis of auto insurance will help you obtain complete coverage.
Return to invoice cover
In the event that your vehicle is stolen or irreparably destroyed, this add-on function helps to make an insurance claim.
Engine protection cover
This add-on covers any long-term damage to your engine and gearbox brought on by water ingress or engine oil leaks.
Roadside assistance cover
This add-on can come in handy if you find yourself stuck on an empty road without any money! All vehicle breakdowns are covered.
Tyre protect cover
Typically, comprehensive insurance does not cover tyre damage. Any tyre damage, such as cuts, bulges and bursts, will be covered by this add-on.
Key protection
It includes all expenses related to changing and fixing keys and key slots.
Claim settlement ratio (CSR)
CSR is the ratio of the number of claims settled to the number of claims received. For a quick and easy claim procedure, choose an insurance company with a high claim settlement ratio.
Customer reviews
To learn more about the newest online motor insurance, consult with your friends and coworkers. Additionally, learn more about the insurance company's post-purchase services.
Pros of Motor Insurance Comparison
- The greatest coverage benefits are available for you to choose from.
- You can save money by locating an insurance with the lowest premium prices.
- Claim settlements become incredibly easy and rapid.
- You can choose an insurance provider that provides the most alluring benefits and extras.
Steps to Online Car Insurance Comparison
- Search: Look at your options and unleash the Google beast.
- Compare: Examine the features, prices, coverage, and add-ons offered by different carriers.
- Analyse: Before selecting the insurance, it is preferable to compare auto insurance quotes using internet resources or a spreadsheet.
- Select: Select insurance based on your requirements and financial constraints.
Depending on your requirements, you may select between comprehensive or third-party insurance to determine which one best fits your needs. Additionally, you may find a variety of add-on choices to take the best possible care of your automobile by carefully researching different car insurance plans.
Conclusion
Comparing auto insurance online is crucial for finding coverage tailored to your needs. By analysing factors like policy types, add-ons, claim settlement ratios, and customer reviews, you can make informed decisions that ensure financial security and peace of mind. Whether opting for third-party or comprehensive insurance, evaluating options thoroughly helps you save money, access valuable benefits, and meet legal requirements.
Leveraging online tools simplifies the process, offering convenience and clarity. With the right policy in place, you can drive confidently, knowing your vehicle is adequately protected against unforeseen risks, damages, and accidents. Stay proactive and safeguard your journey.
This blog is intended solely for educational and informational purposes. The content may include outdated information regarding the topic discussed. Readers are encouraged to confirm the accuracy and relevance of the data before making any significant decisions. SBI General Insurance disclaims responsibility for any errors or consequences arising from the use of outdated information provided herein.
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Motor Insurance
How To Maintain Your Two Wheeler In The Rainy Season?
During the monsoon, the weather is pleasant and everything around you is green and looks fresh. However, if you are a biker, then monsoons bring with it a myriad of problems. You need to be extra careful as you have to make your way through potholes and ride on slippery roads. Yes, you need to take extra care to maintain your bike during the rainy season. So, here we are with some bike maintenance tips that will help your two-wheeler brave the rainy season.
How To Maintain Your Two Wheeler In The Rainy Season?
Here are four simple tips to maintain your bike during the rainy season
Get an anti-rust protection layer applied
While the monsoon brings much-needed respite from the hot weather, the moisture in the air can cause potential damage to the parts of your two-wheeler. Damp climatic conditions can cause certain parts of the bike to rust. If this is not taken care of, rusting can cause the parts to disintegrate. The best way to protect your bike from rust damage is to ensure that the chain and battery terminals are well-lubricated. A basic motorcycle maintenance tip to prevent rust formation is to apply petroleum jelly on the rubber oil seals.
Choose covered parking spots
During monsoon, it’s advisable not to park your two-wheeler in the open. Unlike four-wheelers, rainwater can get inside your bike and cause damage to the electrical components, making your bike prone to long-term issues like rusting and electrical failures. So the easiest of all motorbike maintenance tips is to park your bike under a shed. If you are not able to find a shed, then use a waterproof bike body cover to protect it from rain. Also, never park your bike under a tree during monsoon as heavy rain may cause a branch or the tree itself to fall on your two-wheeler and damage it.
Have the tyres checked
Yet another basic bike maintenance tip for monsoon is to get the tyres checked regularly. Getting tyres checked is critical because the roads tend to be extra slippery during the monsoons. As such, it is very important to keep your tyres in good condition. Make sure the rubber has not worn out and do not wait to change the tyres until they are completely worn out. Old and damaged tyres can increase the risk of accidents and other related incidents leading to vehicle damage.
Service the brakes
The list of bike maintenance tips in rainy season also includes getting the brakes serviced. Continuous exposure to rainwater can cause the brake pads to get jammed. Before the start of the monsoon, it’s best to have a professional take a look at the brakes and make sure they are functioning well. Also, when you are riding your bike during the rain, maintain a good distance from other vehicles and apply brakes gradually. Applying brakes suddenly on wet roads can cause the bike to skid.
Get bike insurance online
Now that you know how to protect your bike in rains, follow the above-mentioned tips to keep your bike in a good condition and secure it with a comprehensive bike insurance policy. Having two-wheeler insurance is legally mandatory in India. It protects your bike against theft, calamities, and other risks.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Motor Insurance
5 Fabulous FASTag Benefits for Motorists
FASTag, from the National Highways Authority of India, is a sticker that is affixed on the windscreen of a vehicle. This sticker uses Radio Frequency Identification RFID Technology to deduct toll payments from the wallet linked with the FASTag account. A FASTag is valid for a period of five years. You are probably aware by now that FASTag is mandatory for all category ‘M’ and ‘N’ vehicles in the country. These categories include four–wheelers that transport passengers and/or goods. You may wonder whether there are any benefits of FASTag for vehicle owners. The answer is a definite YES. Let’s take a look at 5 real FASTag benefits for motorists in the country.
1. Eliminates the need for a cash transaction
One of the main advantages of FASTag is that it eliminates the need for cash transactions at toll plazas. Cash transactions are one of the major reasons for traffic jams at toll booths. Now, motorists can enjoy a hassle–free experience as they zip through toll plazas without needing to shuffle around for change wile making payments.
The removal of the need for cash transactions has another important advantage. Due to the pandemic, we all prefer to have a contactless experience and now with FASTag, you can pay toll fees without exchanging physical notes and coins.
2. Reduces wait times
Long queues at toll booths will soon be a thing of the past as FASTag lets you sail through without having to endure an extended waiting time. This helps save time and fuel that would have otherwise been wasted in a frustrating wait in queue.
3. Easy recharge methods
Your FASTag can be easily recharged online in a matter of minutes (or less). You can easily load the amount you need from your credit card or debit card or even use net banking.
4. Easy tracking of toll expenses
If you need to keep track of FASTag expenses for reimbursement purposes, then you will love FASTag. Each time you pay a toll tax, you receive an email and SMS message. You can use these to understand what your expenses have been on your commutes. Now, you don’t have to manually note down each toll fee.
5. Paperless and environment friendly
FASTag is also extremely environment friendly, an important feature in these times when we all need to reduce our carbon footprint. When there are no queues at toll plazas, there will automatically be a lower consumption of fuel. Plus, the automatic deduction of the fee from the account linked eliminates the need for a paper receipt given for cash transactions.
As we can see, there are so many benefits of FASTag being made mandatory. As a motorist, remember that there are certain other mandatory documents that you need to be able to drive your vehicle on the roads in the country. These include an active driving licence and a valid car insurance policy (at least third–party insurance). Apart from these, you also need to have a valid PUC (pollution under control) certificate for your car.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Motor Insurance
5 Reasons Why Your Two-Wheeler Insurance Is More Valuable Than You Think
Two-wheeler vehicles are a popular mode of transportation, offering convenience and efficiency, especially in congested urban areas. However, with the increasing number of vehicles on the road, the risks associated with riding a two-wheeler have also escalated. This makes having a comprehensive two-wheeler insurance policy not just a legal requirement but a necessity for safeguarding yourself and your vehicle. While many know the essential benefits of two-wheeler insurance, several lesser-known advantages can significantly enhance your coverage. This article explores five surprising aspects of two-wheeler insurance that you might not know.
Motor Insurance
5 Tips to Lower Your Car Insurance Premium
Do you consider your car a necessity or a luxury? These days for many people, a car has become essential enough that there is a dependency on it for getting around, running errands and managing day-to-day tasks. While owning a car has been comparatively easy and accessible to a lot of people it comes with the responsibility of car insurance.
But even though car insurance premiums can often feel like a burden, there are a few ways to reduce them without compromising on coverage. Here, we'll explore how to reduce your car insurance cost and five smart driving tips that can help you with the same.
Tips to Reduce Your Car Insurance:
Take Your Car Out Only if It's Necessary:
One of the simplest yet most effective ways to reduce car insurance costs is by minimizing your car use. Many insurance companies offer usage-based insurance policies, where premiums are determined based on the actual distance you cover and the frequency of your drives.
By reducing unnecessary trips and going for public transportation or carpooling when possible, you can lower your insurance costs.
Follow All Traffic Rules While Driving:
It's not just about your own safety, following traffic rules can also save you money on your car insurance. Insurers often consider your driving record when calculating premiums, and a history of traffic violations can lead to higher rates. Having a low record of traffic violations can give a sense of guarantee to the insurer hence leading to low premiums.
You should drive responsibly, obey speed limits, and avoid reckless behaviour so that you can demonstrate to insurers that you're a low-risk driver, which can lead to lower premiums.
Personal Accident Cover:
Investing in personal accident cover as part of your car insurance policy can provide an added layer of protection for you and your passengers in the event of an accident.
While this may increase your initial premium slightly, it can offer invaluable financial support in case of injuries, medical expenses, or even loss of income due to disability resulting from an accident.
Be a Safe and Responsible Driver:
Your driving habits can have a direct impact on your car insurance premiums. Insurance companies often use telematics devices to monitor driving behaviour, including acceleration, braking, and cornering.
Adopt safe driving practices such as maintaining a steady speed, avoiding sudden stops, and following traffic guidelines so that insurers know that your chances of getting into an accident are low, which in turn can result in lower premium costs.
Cover Against Theft:
While proper car insurance typically covers damages caused by accidents, it's also important to safeguard your vehicle against theft. Adding anti-theft devices such as steering wheel locks, GPS trackers, or immobilizers to your car can not only deter thieves but also lower your insurance premiums.
Insurers often offer discounts for vehicles equipped with anti-theft measures, as they pose a lower risk of theft-related claims.
Conclusion:
So, don't let car insurance premiums stress you out. With smart driving and safety tips, you can keep your premiums low and still have great coverage. Just remember, how you drive and the safety measures you choose can help you save money and drive with confidence.
Looking for an easy trouble-free insurance option? SBI General Insurance's Private Car Insurance Policy - Package offers the all-rounder protection you need. This complete package of a policy provides comprehensive coverage against accidental damage to your vehicle, third-party liabilities, and even personal accidents for the owner-driver. Plus, you can easily manage your policy for claim intimation, status tracking, and document submission.
This policy offers much more than just basic third-party liability coverage. Visit SBI General Insurance online today to learn more and protect your dream car with a truly comprehensive plan!
FAQs
Can implementing safety measures in my driving routine lead to insurance discounts?Yes, many insurance companies offer discounts for drivers who demonstrate safe driving habits or invest in safety features for their vehicles. By taking proactive steps to enhance safety, you may qualify for lower premiums.
Are there any technological tools or devices that can help monitor my driving habits?Yes, telematics devices are commonly used by insurers to track driving behaviour and offer usage-based insurance policies. These devices collect data on factors such as speed, acceleration, and braking, which can be used to assess risk and adjust premiums accordingly.
Are there any government programs or initiatives that offer incentives for safe driving?While specific government programs may vary by region, many authorities encourage safe driving through initiatives such as defensive driving courses, road safety campaigns, and incentives for installing safety equipment in vehicles.
Is it possible to negotiate a lower insurance premium based on my driving history?While insurance premiums are typically based on a variety of factors, including driving history, it's always worth exploring options for discounts or negotiating with your insurer. Providing evidence of safe driving practices or completing defensive driving courses may help in negotiating lower premiums.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
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