What To Know Before Buying Car Insurance For A Sedan?

What To Know Before Buying Car Insurance For A Sedan?

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Your four-wheeler’s insurance costs are also influenced by the kind you buy, mainly if it’s a sedan. Sedans cost more to insure than other car classes because they are more opulent and have more features. So, before investing in this kind of car, you need to know a few key facts. Continue reading to learn more about comprehensive car insurance for sedans and why you should get one.

Reasons For Buying Sedan Car Insurance

Before putting it on the road, insure your favourite sedan with an appropriate car insurance policy. The following justifies purchasing sedan car insurance:

  • Required By Law: The Motor Vehicles Act 1988 mandates that all cars have at least a third-party insurance Therefore, you can avoid paying traffic fines and comply with this legal requirement by purchasing a sedan car insurance policy.
  • Includes Unintentional Damages: A sedan car insurance policy can shield you and your vehicle financially in the event of unintentional damage and provide legal protection. A comprehensive policy covers damages from traffic accidents, theft, fire, natural disasters, and collisions. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  • Covers Third-Party Liabilities: A third-party insurance for a car policy can also cover third-party liabilities from the insured sedan car. These obligations cover demise, bodily harm to third parties, and property damage to third parties. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  • Personal Accident Cover: With the aid of Personal Accident Cover, a sedan’s car insurance protects your vehicle against unintentional damage and the owner or driver of the covered vehicle. Under this coverage, the insurer will pay up to Rs. 15 lakhs in compensation if the car’s owner or driver is killed in an accident or becomes disabled. Claims are subject to terms and conditions set forth under the motor insurance policy.*
  • Extra Coverage: Extra coverage can be added to insurance for car policy to increase its coverage for a small premium. Roadside assistance, NCB Protect, Zero Dep, and other popular add-ons are just a few. Make sure that you renew car insurance on time for uninterrupted coverage. Claims are subject to terms and conditions set forth under the motor insurance policy.*

Sedans are more expensive than hatchbacks or SUVs because of their features, appearance, and increased maintenance costs. As a result, their insurance costs slightly more. You can make use of a car insurance premium calculator to check on the prices of premiums to be paid for your policy.

Using A Sedan Car Insurance Policy To File A Claim

It’s straightforward to file a claim under a sedan insurance policy. All you have to do is take the actions listed below:

  • After your sedan has an accident, notify the insurer immediately. The insurance company will file the claim after notification.
  • The damages to the insured vehicle will be evaluated by a surveyor who will be dispatched.
  • After completing the survey, you must provide specific documentation to support your claim.
  • The insured sedan will be sent to the network garage for repairs following claim verification.
  • The insurer will settle your cashless claim with the network garage once the repairs are finished.

Understanding your specific needs and comparing quotes from multiple providers will help you make an informed decision, ensuring your sedan is adequately protected on the road.

*Standard T&C Apply

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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