Driving on roads may be a pleasant experience, however, one has to consider the safety factor equally well. Even a skilled driver cannot avoid the risk factor while driving. A little bump or minor accident in such cases can result in huge loss. Thus, the only best way to remain prepared against such circumstances is to buy a car insurance. It’s the smartest way to financially secure you and your car.

So, when you buy a vehicle, be it a bike or car, you must get it insured before you start driving it on the road. Remember, a car insurance policy is not a choice, it’s a necessity and mandatory by the Motor Vehicles Act in India.

Protection for loss or damage caused to your car

Indemnity for third-party property damage up to a certain limit of Rs. 7.5 Lakhs

It provides personal accident cover to you, your paid driver as well as the occupants in the car.

It offers unlimited liability cover for third party injury claims/third party death.

It covers your vehicle against accidents, theft, disasters such as fire, earthquake, floods, etc.

Damage caused to somebody else’s vehicle or property

Paid driver, employees or any unknown passenger

It covers your family members (including you) with personal accident policy

Injury or death of another individual due to an accident caused by you

Here’s a list of things not covered under a car insurance policy:

This excludes mechanical/electrical breakdown

Damage caused by an individual under the influence of drugs or alcohol

Damage caused by a person who is driving the car without a valid license

Normal wear and tear, depreciation or any other consequential loss

Loss or damage due to nuclear risk or war

Wear and tear of consumables such as tyres and tubes

So, it can be fairly said that an insurance policy is a must for every car owner. Besides, there are multiple policies available in the market these days. Royal Sundaram’s comprehensive car insurance package lends safety to you as well as your car.