Buy & Renew Car Insurance Online In Kolkata

Kolkata, or Calcutta as it was once known, is a city in eastern India and the capital of West Bengal. The Kolkata Metropolitan Area is the third most populous metropolitan area after Delhi and Mumbai. With a large population as well as considerable economic opportunities, Kolkata is one of the busiest cities in the country. One side effect of the metropolitan hustle-bustle is that road accidents can become quite common. Hence, if you live in Kolkata and own a car, you must also have the right financial protection for it by buying car insurance in Kolkata. A well-designed car insurance policy provides financial compensation to the insured person if they get involved in third-party liabilities. Additional coverage can provide even further protection if your car were to get damaged in different scenarios.* Claims are subject to terms and conditions set forth under motor insurance policy. Let’s explore more on the importance of buying car insurance in Kolkata, what it covers, and how to buy the right plan.

Why You Should Have Car Insurance in Kolkata

The following reasons emphasise the need for car insurance in Kolkata:

Financial protection against accidents*

As per the Annual Review Bulletin 2022 published by the Kolkata Traffic Police, the total number of motor vehicles registered in Kolkata as of 2022 stood at 21,08,718^[1]. With these many vehicles within one city, the chances of accidents are high. Accidents bring with them injuries, damage to property, and financial losses, amongst other things. If you get involved in an accident that causes injury to someone or damages their property, it is your responsibility to take care of the situation financially. For this reason and others, the government of India has made it mandatory for all motor vehicle owners to buy third-party car insurance. Thus, you must buy car insurance in Kolkata so that there is legal compliance as well as financial support in case of accidents. This ensures the third party is compensated fairly without you suffering any major losses. Claims are subject to terms and conditions set forth under motor insurance policy.

Protection against own damages*

Accidents not only lead to injuries and damages for the third party but may also lead to damages for your own car. This can result in heavy financial losses for you, depending on the severity of the damage. If you were to buy a motor insurance plan that offers comprehensive coverage, damages to your own car are covered too, not just due to accidents but also other eventualities. Claims are subject to terms and conditions set forth under motor insurance policy.

Coverage against floods and similar disasters*

Kolkata is known for its heavy monsoons; it experiences heavy rainfall that can lead to waterlogging and flood-related issues. A car insurance plan becomes indispensable in such conditions. Comprehensive car insurance includes coverage for damages caused by natural disasters, including floods. Moreover, Kolkata and its surrounding areas have also been at the forefront of some severe cyclones in the last few years. Damages to your car due to such natural disasters are also covered under car insurance. Thus, car insurance not only protects your vehicle from water-related damages during the monsoon season but also from other unforeseen natural disasters. Claims are subject to terms and conditions set forth under motor insurance policy.

Safeguard against theft and other malicious activity*

Kolkata's vibrant urban life comes with its share of challenges, including the risk of theft, housebreaking, and other similar activities. The right car insurance plan can serve as a safeguard against these threats and offer financial compensation for the loss or damage to your vehicle due to theft, housebreaking, burglary, or other malicious acts. Claims are subject to terms and conditions set forth under motor insurance policy.

What to Look for When Buying Car Insurance in Kolkata

If you are planning to buy car insurance in the city of Kolkata, here are a few things you should ensure:*

All-round protection 

Coverage can differ from plan to plan and insurer to insurer. Choose a plan that suits your needs (for instance, extensive flood and cyclone coverage) from a reliable insurer. To get an idea of the premium of your chosen plan, you can use a car insurance calculator.

On-the-spot claim disbursements

This useful feature helps you have on-the-spot claim disbursements for claims within a certain limit.

High claim settlement ratio 

This ratio indicates the dedication of an insurance company towards settling the policyholder’s claims. The higher the ratio, the better, along with other positive factors associated with the insurer.

Network garages in Kolkata and elsewhere

Network garages allow you to receive cashless repairs. So, you do not have to shell out large sums of money and then wait for the reimbursement. Hence, look at the number of network garages the insurer has in Kolkata. Additionally, look at the overall network garages so that you can have cashless repairs even while travelling. Claims are subject to terms and conditions set forth under motor insurance policy. With the help of the above factors, you will be able to buy the right car insurance plan. If your present insurer does not satisfy your insurance requirements, you can switch to another, better insurer when you renew your car insurance .   *Standard T&C apply. 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.