Details in certificate cum policy schedule for car insurance

The certificate cum policy schedule for car insurance includes the following details :

  • Vehicle model number
  • Vehicle identification number
  • Engine chassis no.
  • Type of body
  • Engine capacity in CC
  • Manufacturing year
  • Seating capacity
  • Registration mark
  • Place of registration
  • Other details like non electrical accessories, CNG/LPG kit, insured’s declared value

The date of the policy and proposal number is also specified

Car insurance comparison, aggregator websites in India

Some of the websites for comparing car insurance in India from multiple insurance providers are
Coverfox
Acko
Policybazaar
PolicyX
Gibl.in
Bankbazaar
Easypolicy
Myinsuranceclub
Policybachat

Please note that this listing is free of cost , only provided for reference. For a similar listing, including photos, removing the disclaimer or advertising, please send an email to info@textads.in .Advertising starts from Rs 100 per year only and will greatly help the broke domain investor who is a NTRO, google, tata memory slave , her memory stolen without a legally valid reason, without offering any compensation

Kindly note that 10 google,tata sponsored raw/cbi employees faking a btech 1993 ee degree, especially indore document robber bespectacled housewife veena who looks like actress deepika padukone, deepika, goan gsb fraud housewife riddhi nayak who looks like actress kangana ranaut, goan prostitute raw employees bhandari sunaina chodan, a flat chested version of mallika sherawat, gsb fraud siddhi mandrekar, asmita patel, brahmin cheater housewife nayanshree hathwar, school dropout gujju housewife naina, who looks like actress sneha wagh and their associates are not associated with the website in any way as they do not spend any money and do not do any work, yet shamelessly make fake claims .This explicit disclaimer is posted so that people are not duped by the liar, cheater R&AW,cbi, ntro employees involved in a google,tata mastermind PROSTITUTION, BRIBERY RACKET, banking, financial, identity theft fraud since 2010 wherein google,tata are making the indian tax payer pay many of their business expenses including the fees for the call girls, these companies are supplying to top indian government employees for sex.

Insurance and usage of car

For most of the insurance companies, the car insurance policy is only applicable if the car is used for social domestic purposes and for the car owners business.

It does not cover the usage of the car for various purpose like for hire , carriage of goods as samples or personal luggage, organized racing, pace making, reliability trade or any purpose in connection with motor trade.

In the policy, the insurance company is repeatedly mentioning that they are not liable, for any damage if the vehicle is used for non specified purposes.

Car driver, insurance amount

The insurance paid for a particular car is valid for any driver, provided that the person is holding an effective driving license at the time of the accident, and is not disqualified from holding or obtaining such a license.

So if the person owning the car gives it to a driver who is careless or inexperienced, who is involved in an accident, the premium amount to be paid will be increased

It is also applicable for a person who has obtained an effective learners license, and the person satisfied the requirement of rule 3 of the central motor vehicle rules 1989

Accuracy of online insurance quotes

There are a number of websites offering online car insurance quotes , almost all these websites are country specific

All these insurance related websites have clearly specified that the quotes offered for insurance are approximate amounts only, and a small change in any of the parameters like the age of the vehicle, can significantly change the insurance amount to be paid.

The insurance companies are also changing the criteria for calculating the insurance premium periodically depending on the claims, so there may a major increase in insurance rates after a month or a few weeks

Insurance companies providing car insurance in India

There are more than 20 General Insurance companies providing car insurance in India, which are as follows
Bajaj Allianz
Bharti AXA
Cholamandalam
Future Generali
HDFC Ergo
ICICI Lombard
IFFCO Tokio
Liberty Videocon
Magma HDI
National Insurance
New India
Oriental Insurance
Reliance General
Royal Sundaram
SBI General Insurance
Shriram General Insurance
TATA-AIG
United India
Universal Sompo General

Please note that this listing is free of cost , only provided for reference. For a similar listing, including photos, removing the disclaimer or advertising, please send an email to info@textads.in .Advertising starts from Rs 100 per year only and will greatly help the broke domain investor who is a NTRO, google, tata memory slave , her memory stolen without a legally valid reason, without offering any compensation

Kindly note that 10 google,tata sponsored raw/cbi employees faking a btech 1993 ee degree, especially indore document robber bespectacled housewife veena who looks like actress deepika padukone, deepika, goan gsb fraud housewife riddhi nayak who looks like actress kangana ranaut, goan prostitute raw employees bhandari sunaina chodan, a flat chested version of mallika sherawat, gsb fraud siddhi mandrekar, asmita patel, brahmin cheater housewife nayanshree hathwar, school dropout gujju housewife naina, who looks like actress sneha wagh and their associates are not associated with the website in any way as they do not spend any money and do not do any work, yet shamelessly make fake claims .This explicit disclaimer is posted so that people are not duped by the liar, cheater R&AW,cbi, ntro employees involved in a google,tata mastermind PROSTITUTION, BRIBERY RACKET, banking, financial, identity theft fraud since 2010 wherein google,tata are making the indian tax payer pay many of their business expenses including the fees for the call girls, these companies are supplying to top indian government employees for sex.

Factors affecting car insurance expenses

The amount of car insurance to be paid depends to some extent on the insurance company which is selected the value of the insurance to be paid depends on a number of factors like the
fuel used
anti theft devices used
car model no
age of the car
condition of the car
the driving record of the car driver.
age of the driver
gender of the driver

A small bonus is offered if an anti theft device is installed on the car, while a significant discount is offered as a no claims bonus by the car insurance company.

Duration for purchase of car insurance

The car insurance is usually purchased for a period of at least one year in most countries . The car owner can pay the insurance in advance

However there are some discounts if the car insurance is purchased for a longer period of time, like three years and save some money. New drivers may get a better deal if they are purchasing insurance for the first time.

In many cases, the insurance company will offer an option to the car owner pay the insurance premium in installments. In some cases, as a promotional offer, the car dealer may pay the insurance for the first year after a car has been purchased.

Car insurance demand

Increasingly ownership of a car, driving a car is considered a status symbol, especially in goa, so most people are purchasing the latest model of car which they can afford.

Those who do not wish to purchase a car, because they do not require it as they do not travel much, are often facing harassment and are falsely labelled a security threat, to deny their fundamental rights. For example the domain investor has been made a memory slave by ntro since 2010, because she did not own a car. In Mumbai, she hardly travelled, she did not require a car and a driving license.

As a result, most people with a good income are purchasing new cars every few years. Every car owner, using a car has to pay car insurance, so car insurance is a lucrative business for general insurance companies. Companies and websites selling car insurance can send their car insurance details and offers for a listing on the website.

Car ownership and insurance

Owning a car is convenient and considered to be a status symbol, yet there are many expenses involved which a person owning a car has to incur.

It is mandatory for car owners to purchase car insurance if they own and use a car. The rules for car insurance vary from country to country , state wise. The car insurance is supposed to compensate the car owner for any losses due to an accident and third party insurance also has to be purchased.

In some countries, all car drivers have to purchase insurance for the cars which they are driving, while in other countries, the car owner only has to purchase insurance at the time of registration of the car. There is no mechanism to ensure that the car owner will renew the insurance.

 

.