Having a two wheeler or a four wheeler vehicle is a necessity for many people in today’s time. Whether it’s for daily commute or for long drives, we heavily rely on our vehicles to take us to our desired destinations. However, along with owning a vehicle comes the responsibility of ensuring its safety on the road. This is where vehicle insurance comes into play. To help you navigate through the world of vehicle insurance, we have compiled some important tips and ideas that you should keep in mind.
Two Wheeler Insurance Exclusions
If you are a two wheeler owner, it’s important to understand what your insurance policy covers and what it doesn’t. While a third-party insurance policy is mandatory as per the law, it’s important to note that it doesn’t cover all damages. Some of the exclusions of a two wheeler insurance policy include:
- Damage caused due to natural disasters like floods, earthquakes, and cyclones.
- Damage caused due to man-made disasters like riots, theft, and vandalism.
- Damage caused while riding under the influence of alcohol or drugs.
- Damage caused while riding without a valid license.
To ensure complete protection for your two wheeler, it’s recommended that you opt for a comprehensive insurance policy that covers both third-party liability as well as damages to your own vehicle.
Four Wheeler Insurance Policy Facts
If you are a four-wheeler owner, you might think that a comprehensive insurance policy is all you need to protect your vehicle. However, there are some lesser-known facts that you should keep in mind when it comes to four wheeler insurance:
- You can avail of a no-claim bonus if you do not make any claims during a policy period.
- Most insurance policies require you to pay an excess amount in case of a claim. This amount can be reduced if you opt for a higher voluntary deductible.
- Your insurance policy can become invalid if you modify your car without informing your insurance provider.
- It’s important to read the fine print of your policy document to understand what is covered and what is not.
By keeping these facts in mind, you can ensure that you make an informed decision when it comes to choosing the right insurance policy for your four-wheeler.
Four Wheeler Insurance in Coimbatore
If you are a resident of Coimbatore and are looking for a reliable four wheeler insurance provider, look no further. You can choose from a variety of insurance providers in the city that offer comprehensive insurance policies that cover third-party liability as well as damages to your own vehicle. Some of the top insurance providers in Coimbatore include:
- New India Assurance
- Reliance General Insurance
- United India Insurance
- Bajaj Allianz General Insurance
Do your research and compare the policies offered by these insurance providers to choose the one that best suits your needs.
Types of Motor Insurance in India
When it comes to motor insurance in India, there are primarily two types of insurance policies that you can opt for:
- Third-party insurance: This type of insurance covers damages caused to a third party in case of an accident involving your vehicle. It’s mandatory for all vehicle owners to opt for third-party insurance.
- Comprehensive insurance: This type of insurance covers third-party liability as well as damages caused to your own vehicle in case of an accident, natural calamity or man-made disaster. It’s recommended that you opt for a comprehensive insurance policy to ensure complete protection for your vehicle.
Vehicle insurance is an essential aspect of owning a two-wheeler or a four-wheeler vehicle. By understanding the exclusions of your insurance policy, the lesser-known facts about four wheeler insurance, the top insurance providers in your city and the different types of motor insurance policies available in India, you can make an informed decision when it comes to choosing the right policy for your vehicle.
Remember to read the fine print of your policy document carefully and keep your insurance provider informed about any modifications made to your vehicle. By doing so, you can ensure that you have complete protection for your vehicle on the road.
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