Most of us wish to have a car of our dream. Car has become almost necessity in present time. It gives comfort while travelling. It protects from season discomfort of heat, rain and cold. We chose a car as per our socio-economic need.

WHEN WE HAVE DECIDED WHICH CAR TO BUY LOT OF QUESTIONS COME TO OUR MIND, SUCH AS:

“Where to buy?”

“Where can we get best price and discounts?”

“Which finance company is giving best offer?”

“Which insurance is best suitable for me?”

To sum up all the questions, “HOW CAN YOU SAVE MAXIMUM?”

We being the expert in the industry, can answer this. We offer one stop solution from best purchase offer to best car insurance and loan offer. Further, we provide all assistance at your door steps. So you do not have to compromise with your valuable time and it leave all to us.

WHY DO YOU NEED AN AUTO INSURANCE

There has been an increase in number of vehicles on the Indian roads. The Motor Vehicles Act, 1988, mandates having a Vehicle Insurance for the below reasons:

It reduces your liability –

1. Protection against legal liabilities to a third-party in an accident.
2. Third-party injuries/death is covered under insurance plan.
3. Damage to third-party property is covered.

Absence of vehicle insurance may lead to:

1. Fine of INR 1000
2. Jail of 3 months.
3. Driving license may be suspended.
4. Vehicle registration may be suspended.   

THERE ARE 2 TYPES OF CAR INSURANCES

1. Third-party liability insurance

This is the cheapest and basic car insurance. It offers protection to a third party for incidents such as injuries/death and property damage caused in an accident involving the insured vehicle. Though, it does not offer own-damage cover. But there may be variations offered by some insurance companies as some companies also offer personal accident cover for the owner-driver. Although, there is no upper limit defined for coverage of third party but it may be capped to INR 7,50,000 or as per discretion of court.

 2. Comprehensive motor insurance

As the name indicates, it is complete insurance that covers:

• Third party liability and own damage. i.e. coverage of damage due to accident, natural calamities, human disaster, theft to own vehicle.
• Personal accident cover.
• Legal liabilities to a third party from accidental injuries/death or property damage. The maximum amount of coverage under this insurance for injuries/death is unlimited. Although, there is no upper limit defined for coverage of third party but it may be capped to INR 7,50,000 or as per discretion of court.

Motor insurance add-on plans 

In addition to Comprehensive and Third – Party Liability Insurance, most motor companies offer add – on covers that enhance the coverage of the base policy.

1. Zero depreciation cover: This add on protects insurer against loss due to depreciation of the vehicle at the time of claim.
2. Engine protect cover : This adds on includes damage to engine due to mechanical or electrical faults. Which otherwise is not included in Comprehensive insurance.
3. Return to Invoice (RTI) cover: This protects your vehicle from complete loss in case of theft. This provides actual invoice value of the vehicle, without accounting for depreciation.
4. Loss of personal belongings cover: This covers loss of expensive electronic equipment, laptops, etc. kept in the insured vehicle
5. No Claim Bonus (NCB) protect cover: NCB is offered to those who do not claim in a policy year. However, NCB Protect Cover offers this bonus even if claim is raised.
6. Personal accident cover for the passengers : This extends protection to the passengers.
7. Key replacement cover : This reimburses the cost of replacement of the vehicle keys if these were lost or misplaced.
8. Roadside assistance cover: This add-on cover offers 24/7 protection to the policyholder from incidents such as flat Tyre, fuel depletion, requirement for expert scrutiny, etc.
9. Consumables cover: Components that are used in a vehicle such as nuts and bolts, screen washers, engine oil, etc. are collectively referred to as consumables. The insurance company does not bear the cost of these consumables in the claim unless otherwise this rider is taken.
10. Daily allowance cover: This rider reimburses for the expenses involved in hiring an alternate vehicle when the insured automobile is undergoing repairs at a garage.

Having established in the year 2006 in Delhi NCR, we have 14 years expertise in the Auto Industry. We have strong association with several Insurance, Finance and Car dealerships. We can assist you with best price from car dealers. We have in depth knowledge about auto insurance and can advise you, how you can save maximum in car insurance and gain maximum benefits.

If you already own a car but not happy with your existing loan, we can also assist you with balance transfer to give you best benefits.

We also assist in Insurance renewals.

So we can give you a “ONE STOP SOLUTION” to your desire to buy a car i.e. from buying a car to finance and insurance. Thus, helping you save maximum on a car purchase.

We provide all the services at your door step thus letting you save your valuable time.