Car Insurance

Car insurance quotes online in India depend on some parameters. To calculate online car insurance quotes you need to look at the following criteria:

• Find out the correct age of the vehicle that helps to evaluate online car insurance quote. Online car insurance quote increases as the vehicle gets older. There are three age-slabs to determine motor insurance quotes online like 5, 10 and 15 years. If you compare car insurance quotes online as per the age, you can see that older cars trigger higher online car insurance quotes.
• Cubic capacity of the vehicles is the prime feature to calculate online car insurance quotes. Similar to age, the cars with higher cubic capacity also attract higher car insurance quotes online. There are three slabs such as less than 1000 cc, between 1000 cc and 1500 cc and more than 1500 cc to assess online car insurance quotes according to cubic capacity.
• IDV of the car helps to figure out the quote. As the Insured Declared Value (IDV) increases, online motor insurance quotes get elevated as well. If you make car insurance quotes comparison of two cars with same IDV or Insured Declared value, car insurance quotes online will differ on the basis of other factors
• Vehicle registration location also helps to assess online car insurance quote. It plays an instrumental role in working out online car insurance quotes. There are two zones in terms of car insurance quotes. Zone A consists of 8 major cities in India where auto insurance quotes are higher. The rest of India comes under zone B and car insurance quotes are lower in zone B. If you make car insurance quote comparison in terms of these two zones, cars registered in zone A will attract higher online car insurance quotes because the risk of accident and theft is higher in zone A. Your four wheeler type also influences car insurance quotes online
• Type of the fuel of car determines online motor insurance quotes

Apart from these, if you make online car insurance quotes comparison of two vehicles of the same age, car insurance quotes online will vary in terms of cubic capacity and location.

The process of motor insurance renewal is easy, fast and convenient. To renew your auto insurance, all you have to do is log into an insurance broking portal. Thereafter enter the required details related to your vehicle and previous auto insurance policy. After that, you’ll receive free car insurance quotes on your four wheeler insurance renewal. Compare those quotes and choose the suitable coverage for your car insurance renewal online. It’s wise to look for some additional features or plans offered by other insurers and compare them when you go for motor insurance renewal online. In just a click of your mouse you can instantly perform your car insurance renewal process.

GIBL.IN is the fastest growing online insurance marketplace from where you can easily and instantly compare various general insurance policies offered by different reputed insurance companies in India and buy or renew your policy with the highest coverage at the lowest premium. We are tied-up with the top providers of motor insurance policies across the nation. Our goal is to bring affordable insurance policies to the entire population of the country. Our team is dedicated at providing any required assistance regarding policy premium payment, claims etc. and much more.

We let you compare the premium of different motor insurance companies. Simply visit GIBL.IN, click on car insurance, check-box ‘’on’’ for new or renewal, choose your previous insurance provider and enter your policy expiry date and click on ‘’Buy Instant Policy”. Thereafter, enter your RTO and car details and proceed to the quote comparison page.

• In terms of car insurance, we provide our customers with an unbiased comparison of various plans offered by multiple insurers.

• GIBL will find and show you the best car insurance quotes from the top insurers in India instantly afterwards.

• You can modify your car’s IDV as per your preferences. In order to compare quotes, just add your preferred insurers by checking on the box of “Add to compare’’.

• You can add maximum 3 insurers for quote comparison.

• When you compare policies at GIBL.IN, we aim to fetch our customers the best and transparent quotes.

• You can compare individual motor insurance quotes from different insurance companies on the basis of cashless garages new you, base price and other different services.

• At GIBL.IN, we also offer attractive discounts on the premium with our car insurance policy.

• We bring you top motor insurance plans at the click of your mouse in the comfort of your house. We also offer instant renewal of expired car insurance policy through our site without any hassle.

We understand that one quote doesn’t fit for all and this is the reason we have something different to offer to all our buyers of car insurance. We also understand that you invest your hard earned money in buying car insurance to get the financial benefits at the time of an unforeseen incident. This is the reason we do everything to make sure each of our customers get the best car insurance policy and that too, at the lowest premium.

We also have our GIBL Mobile App that lets you buy or renew your car insurance on the go. So what are you waiting for? Choose GIBL.IN today to avail the broadest coverage with your car insurance at the lowest premium.

The annual claim limit for 4-wheeler insurance differs from one insurance provider to the next. Most insurance providers will enable you to file multiple claims in a year as long as your IDV isn't depleted. To find out how many times you can claim your four-wheeler insurance policy in a year, consult your policy document.

Car insurance with Zero Depreciation is known as Zero Dep. It's an optional coverage that allows the policyholder to receive compensation up to the car's Insured Declared Value (IDV) or current market value, minus depreciation. To get the benefits of zero DEP in your four-wheeler insurance coverage, you must pay an additional premium.

Bumper to bumper auto insurance refers to a policy that covers the entire insured vehicle without taking into account the depreciation of its parts. To put it another way, this form of four-wheeler insurance entitles the insured to reimbursement up to the car's market value in the event of damage or loss. However, rates are around 20% more than standard 4-wheeler insurance coverage.

The insured declared value (IDV) is the maximum amount that an insurer will pay if the vehicle is damaged or stolen at the time of a claim. It is the sum insured for each insured vehicle, which is determined at the start of the insurance period.

The insured should renew his car insurance coverage before it expires. This will ensure that your policy does not lapse and that you can continue to benefit from no-claim bonuses.

Your comprehensive insurance policy covers: third-party liability, external causes of accident, fire, explosion, self-ignition, lightning, riots, strikes, terrorism, malicious acts, earthquake, flood, storm, landslide, transit by rail, road, waterways, air, or lift, burglary, theft, or housebreaking.

Hypothecation is a method of establishing liens on the security of movable assets. The borrower retains ownership of the goods. In the case of a car loan, for example, the borrower retains ownership of the vehicle, but it is hypothecated to the bank. It means that if the borrower defaults on the car loan, the bank has the right to sell the vehicle.

To include hypothecation in a car insurance policy, follow these steps:

• A letter from the bank or financer, as well as an endorsed RC copy, must be given to the insurance company's office.

To remove hypothecation from a car insurance policy, do the following:

• The insurance company's office must get a no objection certificate (NOC)/endorsed RC copy.

If the payment must be received by the policyholder, it is critical to obtain NOC from the financer in the case of a hypothecated car. Otherwise, for losses to the car other than theft, the claim amount will be reimbursed to the financer.

If you install LPG or CNG in your vehicle, you must get it endorsed on your Registration Certificate (RC). Then, notify your insurer of the change so that your four-wheeler insurance coverage is updated. Because the cost of the premium varies depending on the type of fuel used in your vehicle.

To include hypothecation in a car insurance policy, follow these steps:

A no-claim bonus (NCB) is a discount on renewal rates given by insurance companies to vehicle owners who have not filed any claims during the previous policy term.

If you sell your car, you'll need to change the name on your four-wheeler insurance policy to the new owner's. To transfer your vehicle insurance to the new owner, complete the steps below:

• You'll need to acquire a sale affidavit prepared containing information about the transfer, the new owner, and the payment. It should be signed and notarized.

• Fill up the RTO transfer documents and ask your Regional Transport Office for a clearance certificate (RTO).

• Fill in the blanks on the new proposal form.

• Please enclose the documents specified above.

• Send it to your insurance company.

• Within 14 days, the policy will be transferred.

If you wish to check the availability of a car insurance plan, you can do it by visiting the insurance company's website or calling them. On insurance brokers' websites, such as gibl.in, you may also verify the availability of four-wheeler insurance plans from various insurers.

A cashless facility means that you won't have to pay anything for your car's repair. Instead, your insurance company will pay the garage directly for the cost. If your insurer offers a cashless option, all you have to do is bring your vehicle to the insurer's preferred workshop. The workshop will call the insurance company and work out a payment plan with them.

To download your car policy/certificate online, follow the steps outlined below:

• Visit the website where you acquired your car's insurance.

• Log in to your account on the website and select the option to download the policy online.

• Fill in your policy number as well as any other requested information, such as your phone number and email address.

• An OTP may be sent to your registered mobile number by your insurance provider

• Fill in the OTP in the space provided and submit it.

• Your 4-wheeler insurance policy/certificate will be emailed to you by the insurer.

• From the email, you can download your car insurance policy/certificate.

You can find your vehicle insurance policy number in a variety of ways:

• The policy number can be found on your motor insurer's insurance certificate or policy document.

• If you have an account with the insurer/website, broker's you can check it online.

• You can ask your representative for the policy number if you got your four-wheeler insurance through him or her.

• You can also find out your policy number by going to your insurer's nearest branch or calling them.

• You may look it up on the Insurance Information Bureau's (IIB) website, which keeps track of all vehicle insurance plans in India.

If you find a mistake in your vehicle insurance policy document, you should inform your insurer right away. Provide proof of the right information, and ask your insurer to correct the error. When the evidence is received, the insurer will issue an endorsement or a new policy document with the updated information.

Your motor insurance may require you to file a First Information Report (FIR) with the police as part of the claim process for certain types of claims. Claims originating from automobile theft or third-party responsibilities, for example, will necessitate the filing of a police report. Claims stemming from car damage caused by natural disasters, on the other hand, may not require a Police FIR.

You can obtain a duplicate copy of your four-wheeler insurance policy by visiting your motor insurer's website and downloading it. To receive a copy of your policy through email, simply log into your account on the website and input the relevant information. The duplicate policy can be downloaded from the email that was sent to you.

You must apply for a duplicate copy of your online insurance document if you have misplaced or lost it. Follow the steps below to obtain a duplicate four-wheeler insurance policy:

• Intimate your motor insurance provider immediately regarding the loss of your car insurance policy document.

• Report the loss of the document to the police by filing an FIR.

• Write an application letter to your insurance company seeking a duplicate policy paper. In the application letter, include information such as the policy number, your name, the date of issue, how you lost the insurance paper, and so on.

• Place an ad in a local newspaper describing the loss of your policy document.

• Obtain a notarized indemnification bond with the signatures of two witnesses, specifying your full name.

• To the insurer, submit the application letter, indemnity bond, and a copy of the FIR.

• Your insurer will produce a duplicate insurance document after receiving all of the paperwork.

• By supplying the relevant information, you can also get a copy of your online policy from your insurer's website.

You can check the policy start and expiry dates in your policy document to see how far your four-wheeler insurance coverage has progressed. Between the policy start and expiry dates, your policy will be active or valid. Your policy, on the other hand, will be inactive prior to the commencement date and will expire after the expiry date.

You can also check the status of your policy on the Insurance Information Bureau's (IIB) website or through VAHAN e-services. All you have to do is enter your car's information on one of the websites and submit it. Your car insurance policy information, including the policy expiration date, will be presented.

When it comes to settling a vehicle insurance claim, there is no standard time frame for all insurance companies. The time it takes for a claim to be settled varies by insurer. For instance, one insurer may settle your claim in 7 days, while another may settle it in 14 days after you file a claim. Furthermore, claims involving complexity typically take longer to resolve than claims involving simplicity, such as a car dent.