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Car Insurance

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    What is Car Insurance?

    Car insurance is a policy that provides financial protection to your vehicle against accidents, theft, and damages caused by natural or man-made calamities. It also covers third-party liabilities, ensuring you are financially secure in case of damage or injury to other people or their property. Depending on the plan, car insurance may cover repair costs, hospital expenses for injuries, and even legal liabilities.

    Why should you
    Key Benefits of Car Insurance

    Car insurance is not only legally required but also crucial to protect yourself from financial losses due to accidents or damage to your vehicle. It covers repair costs, medical bills, and third-party liabilities, making it a must-have for all car owners.

    Comprehensive Coverage

    Car insurance provides extensive protection, covering damages to your vehicle due to accidents, theft, fire, and even natural disasters. It ensures that repair and replacement costs are not a financial burden.

    Third-Party Liability Coverage

    Car insurance covers damages or injuries caused to third parties in the event of an accident. This includes property damage or personal injury, ensuring you are legally and financially protected.

    Cashless Repairs

    Many insurance providers offer cashless repair services at network garages, where the insurance company directly pays the garage for the repairs, minimizing your out-of-pocket expenses.

    No-Claim Bonus (NCB)

    If you don’t make a claim during the policy term, you can benefit from a No-Claim Bonus (NCB), which offers a discount on the premium during policy renewal, rewarding safe driving habits.

    24/7 Roadside Assistance

    Most comprehensive car insurance policies come with 24/7 roadside assistance, covering services like towing, flat tire changes, fuel delivery, and emergency repairs in case of breakdowns.

    Coverage for Natural Disasters

    Car insurance provides protection against damages caused by natural disasters like floods, earthquakes, and storms, ensuring your vehicle is covered in the worst-case scenarios.

    Theft Protection

    If your car is stolen, comprehensive car insurance compensates you with the insured declared value (IDV) of the vehicle, ensuring you are financially safeguarded against theft.

    Personal Accident Cover

    Car insurance also provides personal accident coverage for the owner-driver, offering compensation for medical expenses, disability, or even accidental death caused by car accidents.

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    What Our Customers
    Are Saying

    Rajesh K. Mumbai

    "I had a seamless experience with Instant Beema’s car insurance. They guided me through the process and offered the best plan for my budget."

    Priya S. Bangalore

    "After an accident, Instant Beema’s cashless repairs saved me a lot of hassle. Their quick response and support were remarkable."

    Ankit M. Delhi

    "I got my car insured from Instant Beema, and their roadside assistance helped me during a breakdown. Highly recommend their services!"

    Neha R. Pune

    "I was worried about renewing my car insurance, but Instant Beema made the process easy and even gave me a discount with their No-Claim Bonus."

    Frequently Asked Questions
    About Insurance

    Third-party insurance covers only damages to others, while comprehensive insurance covers both third-party liabilities and damages to your own vehicle.
    NCB is a reward for not making any claims during the policy term. It provides a discount on the premium when you renew your policy.
    Yes, under the Motor Vehicles Act, third-party car insurance is mandatory in India. Comprehensive insurance is optional but recommended for full protection.
    Cashless repair allows you to get your car repaired at a network garage without paying upfront. The insurer settles the bill directly with the garage.
    Personal accident cover compensates for medical expenses, disabilities, or death caused by car accidents, protecting the owner-driver financially.