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Car insurance is an integral part of your vehicle journey, but it’s up to you to choose the right policy for yourself. At Liberty General Insurance, our car insurance ensures that you will get reimbursed as per the terms and conditions.
Comprehensive insurance coverage provides another level of coverage in the event of an accident with another vehicle. It may help pay for damage to your car due to incidents like damage from inclement weather, floods, fire, and theft
Car insurance policyis taken by the owner to protect her vehicle from damages and/or loss arising from unavoidable and unforeseen circumstances. It provides cover against theft, total/partial damage caused to the vehicle.
The formula used to calculate IDV is given below: IDV= (Manufacturer’s listed selling price- depreciation) + (Accessories not included in listed selling price - depreciation) excluding registration and insurance costs.
When you buy a car, the first thing you need to do is insure it. While the Motor Vehicle Act of 1988 makes it mandatory for all car owners to purchase a third party liability cover that offers protection in case of road accidents and its devastating outcomes; you also have the choice to invest in a comprehensive car insurance policy
Road tax refers to the tax levied on all vehicles. All vehicle owners need to pay this tax before they start using their vehicle on public roads.
Car maintenance not only improves its performance, but also helps save money on repairs and enables you to procure a good deal when you choose to sell off your car for a new one. Yes, it is very important to maintain your car,and you shouldn’t ever ignore sending it to the service facility as per the maintenance schedule provided by your car dealer.
As the name suggests, a long term insurance policy is one that comes with a longer period validity. As of September 2018, the Insurance Regulatory and Development Authority of India (IRDAI) and the Supreme Court of India, issued a mandate stating that all new vehicle owners have to purchase long term insurance policies.
Buying a car today requires quite a lot of research as car owners are spoilt for choice. It is no longer a matter of choosing a car based on your budget and your family size. Today, cars can be selected based on their utility
All of us are overjoyed when we buy our first car, and naturally so. We spend a lot of time and money on purchasing the finest car accessories of our choice. Whether it is a state of the art music system, LCD screens for navigation or even classy seat covers, we pay a lot of attention to making our car swanky.
The market for second hand vehicles is extremely large in India. Many new riders and drivers often prefer to drive a used vehicle so as to prevent any major damages arising due to accidents when one has just begun to drive. Yet others find second hand cars much more affordable than brand new ones. It is therefore not common for people to own used vehicles any more.
Typically, there are two types of insurance covers available for vehicles – comprehensive insurance cover and third party insurance cover. While the former is optional, the latter is mandatory for all vehicle owners. Let’s find out what is third party insurance cover and what its advantages are?
Car insurance providers offer a reward or an incentive to drivers for following traffic regulations and safe driving. This reward is essentially a bonus that is provided for every year in which an individual does not make a claim on his insurance policy and is known as a no-claims bonus.
one can never predict when something unfortunate can occur. While you may be a safe rider, there is no guarantee that others are, and if you are in an accident, not having car insurance can result in some difficult consequences.
Depreciation has an impact on the claim settlement about car insurance. One might assume that comprehensive car insurance will eliminate any out of pocket expenses, but you are wrong. Whenever you file a claim for car insurance, the insurance company will determine the amount payable after considering depreciation.
As the number of vehicles on roads increases, accidents, and related unfortunate incidents. It is not compulsory that accidents have to happen due to your negligence;it can be due to the other party’s negligence. Apart from the injuries, damages to the vehicle and associated stress, it also takes a toll on your finances.
Two-wheeler insurance is a motor insurance which is categorized under General Insurance. Two-wheeler insurance policies are broadly classified into two types viz., (i) Comprehensive Policy coverage, also known as Comprehensive Package Policy and (ii) Third Party Liability Insurance policy coverage.
The two-wheeler Automobile segment is broadly classifiable under two segments, viz., those of Engine Capacity of less than 350cc and those of above 350 cc. While the segment above 350cc is generally perceived as Luxury bikes segment, the segment below 350 cc is generally perceived as Luxury bikes segment, the segment below 350 cc (particularly those of less than 120 cc) cater for the basic mobility to the masses in India.
The joy of riding a bike is priceless. If you want to keep it that way, it is important that you follow the rules laid out by the government. Indian roads witness approximately 400 deaths every day in to road accidents.About 5 lakh road accidents take place where in around 1.5 lakh people die and another 3 lakh get injured.
In 2018, around two crore two-wheelers were sold across the country. This number highlights how well the two-wheeler industry has done in India. The rise in two-wheeler purchases also means that two-wheeler insurance is mandatory, as per the Motor Vehicle Act.
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