About Car Insurance in Mandi
Mandi is a town in Himachal Pradesh. Mandi has around 300 temples, with 81 stone temples known for their intricate carvings. Most of these temples are built for Shiva and Kali. Some of the temples to visit are Panchvaktra Temple, Ardhnareshwar Temple and Triloknath Temple, all declared as protected monuments by the Archaeological Survey of India. Also visit the anceint Bhootnath Temple, dating back to the 1520s. This historic town is built along the banks of the Beas river. Sage Mandvya is said to have meditated here, hence the name. The town is known for is old stone temples and the fine carvings and is called the Varanasi of the Hills.
For those who seek adventure a not so popular trekking destination janjehli is 67 kms away. It offers trekking up to 3300 meters to shikari mata peak. it has several others trek routes but the place suffers due to apathy of government. Nonetheless the whole valley offers you some exhilarating views of unsplit nature and sprawlng apple orchards. There are lots of local delicacies with urad dal as one of the main ingredient.Even the food is served on plates made of leaves.The complete meal is the combination of different type of dishes "sweet,sour n salty"Read More
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Types of car insurance policies
Third Party Insurance
Driving without a Third Party or Liability Only insurance policy is a punishable offence under the Motor Vehicles Act of 1988. This policy, however, only covers loss or damage suffered by a third party in case of an accident arising out of the use of the insured vehicle. Remember that it does not cover any loss or damage to the insured vehicle or to the insured.
As the name suggests, this is an all-inclusive policy which offers complete coverage for loss or damage to the third party as well as to you in case of theft or an accident.
Own Damage (OD) Cover
This policy covers damage caused by fire, explosion, lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc.
What Own Damage Insurance does not cover for your car?
- Damages to a third party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive car insurance)
- Damage caused to a third-party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your Private car for commercial purposes.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Consequential loss
Liberty General Insurance also offers various add-on covers which include depreciation cover, passenger assist, consumable cover, engine safe cover, GAP value cover, key loss cover, and roadside assistance cover.
Which is a better car insurance, comprehensive car insurance or a third-party liability insurance?
Taking a comprehensive car insurance cover is always advisable as it provides complete protection of not only someone else’s car like a Third-Party car insurance, but also the Own damages to your car, as well as any injury to the owner driver.