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What is an Ideal Car Insurance Policy for you?

Pankaj Kumar
 


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It is quite painful to remember your car insurance due date and writing a cheque to the insurance company every time, isn’t it? However, in case of an emergency if you ever find yourselves involved in an accident, it will be same insurance company that will ease the pain for you. It is such unfortunate situations that help us realize the true worth of having a valid insurance cover for our car.

Insurance is not a mere piece of paper, it comes with a montage of benefits and you are the judge when it’s time to select. While the primary cover and benefits for any motor insurance policy are similar, it is advisable to delve deep into the nitty-gritties of the policy you are purchasing for an improved insight.

What are the factors that a policy covers and what makes it stand out?

Collision

Following an accident, the insurance will provide protection for the policy holder's vehicle's repair or replacement depending upon its state and its current market value.

Comprehensive

Comprehensive car insurance policy covers the owner and the vehicle. It includes damage caused to the vehicle due to natural calamities like floods and earthquakes, etc. and also due to accidents, riots, loss or theft of vehicle and malicious damage. The policy also covers injuries caused to passengers. Depending on the value of your car, the insurance cover can be adjusted.

Personal Injury Protection

The cover for you or any other family member's injuries irrespective of whose fault it was during the accident comes under this clause. However it can be skipped if you already have a life or health insurance.

Road side assistance

This comprises of quite a few aspects to be taken care of:

  • On road repair and flat tyre service - The next time you say “My car broke down in the middle of nowhere and that is the reason I'm late”, you probably will be caught lying. Reason being, your insurance provides you with on road repair.
  • Towing your car to the nearest garage - If the problem cannot be solved on the spot, the insurance covers your car being taken away to the nearest company associated garage.
  • Emergency fuel assistance - In case you are caught in the middle of nowhere without fuel, there’s no need to worry. Your Roadside assistance covers this as well.

It is some of these features that make your car insurance policy ideal for your needs. So keep them in mind next time you are buying your car insurance policy .

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