Thursday 30 July 2015

Let’s go to shop your car insurance policy?

With more and more car insurance providers offering online quotes and sign-ups, switching policies is now easier than ever before. With the advent of internet people can now buy car insurance in a quick and a hassle free way from the place of their choice and at the convenience of their time. However, with multiple options available for car insurance in India, buying the right insurance policy is no less than a challenge now. Therefore, before purchasing a motor insurance, it is very important to do a significant amount of research. Nevertheless, even to carry out such a research you should know what things you need to look for. The article will guide you through some things to be considered while shopping for your car policy: 

Hidden Discounts
Often pooling your car, paying your insurance bill annually, automatic bill pay etc. can provide you with significant savings. Many companies offer substantial discounts for drivers who complete a defensive driving course, or who can show proof that they've taken a course through another provider or the workplace recently. The best ways to learn about potential discounts are to check the company's website or ask an insurance agent.

Multi-policies
Most insurance providers offer discounts to customers who buy more than one policy from them. Keeping one payment billing, a combined deductible and one person to answer all insurance questions will just seem to make your car insurance procedure simpler and sorted out.

Match Services
Before switching insurance providers, contact your current insurer for a policy review, and explain that you're considering moving elsewhere for a policy with lower premiums. Sometimes an agent offers a better rate almost immediately to retain its valued customer, especially if they know you’re about to walk. But a policy is more than just its premiums. They offer discounted rates for recurring customers or may be loyalty perks. If an agent can't match premiums, they might be able to add features to the existing policy.
 Car Insurance

When to Change
Some insurers charge a fee for breaking a policy mid-term. So, unless the savings from the new policy are significant to move on, it's best to wait until several weeks before your policy is up for review and renewal. If you decide to switch, allow enough time for the new policy to take effect, and then cancel the existing policy before its automatic renewal.
Policy awareness
To avoid having to switch again in six months or a year, customers should ask their new provider, either in person, via an online chat, or over the phone, to go through the policy structure step by step. Learn now the terms and conditions carefully else we are sure you don't want to learn after an accident that something you thought was covered isn't.

After accident services
It's easy to view car insurance as simply a line item on a budget until you need to collect. How quickly and how well the car is repaired, the deductibles after an accident are important factors to consider before buying any insurance policy.

Well, technically speak it’s impossible to truly gauge the value of any insurance product until making a claim on it. Only then will those discounted premiums will prove to have been either an excellent investment or just avoidable mistakes.

Source: https://insurancegeneralindia.wordpress.com/2015/07/30/lets-go-to-shop-your-car-insurance-policy/

Wednesday 29 July 2015

Enjoy your Holidays with Cheap Travel Insurance Plan

Luggage, tickets, bags, iPod, hotel bookings, handy-cam are the top things that arise in your mind while going out for a holiday trip. To be frank having a cheap travel insurance plan before going out on a vacation is a rare thing in India. People in our country rarely opt for the travel insurance, but it’s really vital to understand that a small mishap can destroy any perfectly planned holiday.
People never prioritize insurance till something actually goes wrong and later on it gets too late to avail an insurance plan. These days travelling, especially to overseas countries are an important part of our lives. But most people don’t want to think about the calamity that can take place during a trip.
It is a known fact that several times, we are faced with problems like cancellation of flights, medical emergencies and loss of luggage among others. Hence, it is essential to be covered when you are going away from home.
What Exactly Will You Get Under Travel Insurance Plan?
Travel Insurance India refers to insuring the risks of having a medical emergency or any kind of financial loss that can leave a bad impact on your journey. You can purchase cheap travel insurance online plan temporarily for a single trip. Whereas, for regular travellers, it is advisable to go for the whole year plan which would be enough for numerous tours throughout the year. You can purchase an insurance plan for an adventure trip, leisure trip, cruise trip, foreign student trip, overseas travel and business trips as well.
The most common risks that foreign overseas travel insurance covers are:
-Foreign Medical expenses
-Accidental injury or death
-Theft, damage or loss of personal essential belongings
-Cancellation of trip
And many more.
The coverage depends upon the norms of insurance plans and companies as there are several policies available in the market. A basic insurance plan usually provides the coverage for medical emergencies, emergency repatriation, cancellation, theft, loss of luggage, passport loss and many more.
 Cheap Travel Insurance

Premium
Majorly the premiums of travel insurance plan depend upon several factors such as
·         Duration of the trip
·         Sum insured
·         Health conditions
·         Number of trips
·         Place
·         Age of the insured
·         Risk activities involved in the trip.

Enclosed are some tips that will assist you in choosing the cheap travel insurance. Travel insurance is a standard product over different insurance companies since its usage is more global in nature. There are a few tips that would help you in selecting the best travel insurance plan at a lower premium.
Location Of The Trip
You might not be aware, but the fact is that the cost of travel insurance is much higher where the cost of treatment and other essential services is expensive. Nowadays, the customer can taper down his international plan to select from several options. Hence, be sure to taper down your location of travel for getting more benefits out of  the insurance plan and premium as well.
Duration of the Trip
Generally the insurance companies offer travel insurance plan for a trip duration starting from 30 days to 180 days. It is advisable for you to select the insurance policies slightly more than your requirement and travel period. If you are a regular traveller then you must buy an annual multi-trip plan to save more. This will save you from the hassle of getting insured every now and then. These plans are valid for a year and it covers numerous foreign trips as well. The maximum duration of each trip should be about 30-45 days.  This is a cost effective product for frequent travellers.
Age of Travelling Members
If you are travelling along with your family, then will be helpful to check if the premium which covers all is cheaper or not.  If not, then you can consider two different plans in which the elders of the family can be covered by another plan. For example, if you are more than 65 years of age, you can avail of senior citizens plans in which you will get pre-existing illness coverage, the higher sum insured for regular hospitalization, etc.
Reason of Journey
It is advisable that you must provide an accurate reason of your journey in the proposal form, whether; it’s a business trip, holiday trip, adventure trip or any other. Usually, a basic travel insurance policy does not cover risks involved in adventurous trips. Hence, an additional premium amount is required to get coverage for adventure trips.
Nowadays, there are many types of travel insurance available in the market, so it is better for you to do travel insurance of different insurance companies to get the cheap travel insurance out of the many.


Source: http://nishantmehta333.livejournal.com/3299.html

Monday 27 July 2015

Car insurance comparison is an effective practice

Car Insurance is a mandatory product and since it is to be renewed every year, it becomes all the more important for you to get the best insurance rates suitable for your car. When it comes to comparing car insurance quotes, shopping around is important as car insurance premiums and policies may vary significantly from one car insurance policy to another. Therefore, it is advisable that you should have fair amount of comparison on policy structure, charges incurred, discount offers, benefits etc. before coming to a consensus on buying particular car insurance. With so many companies to choose from, doing a check for all the car insurance policies can be quite a task. Nowadays with online car insurance comparison process it has become simple to get some of the good deals. All you need to do is input your car details and based on them comes an array of insurance comparison being displayed for you.

The articles will give you some tips for car insurance comparison while choosing the best deals for your car.

Premiums
Differences in premiums between various insurers offering car insurance can often vary depending on your circumstances, so taking the time to do a car insurance comparison can potentially save you money. There are a number of ways to compare quotes. Prior to the advent of the internet, it was a pain of digging out the phone directory and ringing around car insurance companies, collecting the information manually and sit down to do your own algorithms. Else you would also meet salespeople or insurance agent making it time-consuming process. You might also go and meet the insurance salespeople or brokers.

Online Comparison
Online comparison has made the process of getting insurance quotes much easier and quicker now than it used to be. These days, using online medium getting a no obligation and pressure free car insurance comparison is much simple and it’s also a very viable way of going about it.

These online tools enable motorists to compare car insurance quotes from leading insurance brands. All you have to do is fill out a simple online form including standard details such as the make and model of the car, your license details and some more as requisite like whether it is garaged and the minimum age of those likely to drive it and hit the 'submit' button to get whole lot of information on best insurance quotes within couple of minutes.

Discounts
When you compare insurance quotes, you will notice that certain risk factors may increase your rates, but other factors such as a safe car, a clean driving record, customer loyalty, lifestyle choices and payment preferences may entitle you to discounts.
 Car Insurance Comparison

Claim Settlement
This is another crucial step you need to monitor while having car insurance comparison. While checking the quotes carefully, understand the claim settlement process for various companies, in case of accidents. Go for the policies that offer online claim settlement in case of damage to the vehicle. Also check for the availability of the repairing and servicing centers made available by the insurer.

How To Buy Cheap Travel Insurance

While a lot of people think “I’m healthy, I don’t need travel insurance. I won’t get sick,” travel insurance is much than just medical protection. It covers you when your camera breaks, your flight is cancelled, a family member dies and you have to come home, or if something is stolen. It’s all purpose emergency coverage and is the single most important thing you should get but hope to never have to use. And, as it only costs a few dollars a day, you’re foolish not to get it. I never planned on falling in the sea in Italy with my camera or popping my ear drum in Thailand but I did and, if it wasn’t for my travel insurance, I would have been out a lot of money.

Travel insurance is one of the most complex and confusing aspects of trip planning. With the myriad of plans and companies out there, people can easily get confused about what they should get and why. Given its importance and the amount of time it’s been since I last discussed it, I want to start the year by discussing it again.

Travel insurance is something you absolutely need on the road. You never know what could happen, and most health plans don’t cover you overseas. I never thought I would pop my eardrum. My friend never thought he would break his leg hiking in New Zealand. A writer I know had to be helicopter out of the Amazon after he fell off a boat. Another friend didn’t think her father would die and she would have to fly back home. But all those things did and travel insurance was there when all those things happened. (My favourite travel insurance provider is World Nomads. They always have my back when something like the above happens.)

I was recently in southern Africa for 3 weeks and my plan cost only $4 per day. Considering my domestic health plan wasn’t going to cover me while overseas, it was a small price to pay for knowing if I got attacked by a lion, bitten by a snake, or contracted malaria, I was protected.
I would rather be safe than sorry and not be stuck with a giant hospital bill.

But, like I said, it’s more than just medical care. Loose a bag? Insurance has you covered. Trip cancelled? Insurance is there. Get something stolen? Insurance is there too.

Travel insurance has more than proved its worth many, many times. It’s the kind of thing you will be very thankful for when you need it but hope you never do. After all, you don’t want to end up like my friend who didn’t have insurance when her computer was stolen and had to pay out of pocket for a new one.

Here is how to avoid getting a bad insurance plan and not be properly covered:

What to look for in a great plan
There are a lot of options out there. This is a billion dollar business and everyone wants their hand in the cookie jar, thus you face a mind-numbing number of choices that can be confusing and overwhelming. And, often, in the fine print, you’ll find that plans aren’t as good as you thought.

When looking for a plan, first make sure they have a high coverage limit on your medical expenses. A good company will provide up to $100,000 in coverage care, though more expensive policies will cover you for higher amounts. The maximum coverage limit you can find is around $1,000,000 USD, though I’m not sure why you would ever need a limit that large. High coverage limits are important because if you get sick, injured, or need serious attention and have to seek professional care, you want to make sure your high hospital bills are covered. The worst thing you can do is go cheap and get a policy with a $20,000 coverage limit, break a leg, and reach that limit before they are done taking care of you. Don’t be cheap with your health. Get minimum coverage of $100,000.

Second, you want to make sure your policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD.

Additionally, evacuation also should mean from the hospital to your home country. Standard emergency evacuation usually includes this provision but it’s important you double-check a company will cover the cost of your flight back home if you need it.

 Cheap Travel Insurance


A great policy will always include the following provisions:

Cover most countries in the world.
Some coverage for your electronics (and have the option for a higher coverage limit).
Cover injury and sudden illnesses.
Twenty-four hour emergency services and help (you don’t want to call to be told to call back later).
Cover lost, damaged or stolen possessions like jewellery, baggage, documents, cameras, etc.
Cover cancellations such as hotel bookings, flight, and other transportation bookings if you have a sudden illness, death in the family, or some other emergency.
Cover emergencies, strife in the country visited, etc., that cause you to head home early.
Policies should include personal accident coverage.
Have financial protection if any company you are using goes bankrupt and you are stuck in another country.
Don’t get a policy that doesn’t cover these bullet points!

A quick note on electronics: most companies only have a small limit, usually up to $500 USD, as part of their basic coverage. You can often buy supplemental insurance to get a higher amount of coverage. For instance, Clements Insurance offers special coverage for your electronics. Prices vary depending on the country you visit (between $145-195 per plan) but they don’t have worldwide coverage. You have to get coverage for your specific country. Moreover, many regular and home insurance companies such as State Farm offer plans that can help you cover your electronics.

What isn’t covered is just as important as what is
Know what is also not covered by your plan. Most policies do not cover accidents sustained while participating in extreme adventure activities such as hang gliding, paragliding, or bungee jumping unless you pay extra. The majority of companies won’t cover you if you injure someone on the road (called third-party liability). Policies do not normally cover alcohol- or drug-related incidents, or carelessness in handling your possessions and baggage. You won’t get reimbursed if the problem happened because you were reckless, and how “reckless” is defined is a matter up to each company. Simply put, if a reasonable person wouldn’t partake in what caused your accident, you won’t be covered.

Moreover, you won’t be covered for pre-existing conditions or general check-ups. For example, if you have diabetes and need to buy more insulin, you won’t be covered. If you want to go see a doctor for a general check-up, you aren’t covered either.

The medical portion of cheap travel insurance is more about emergency care than being a replacement for your normal health care. A lot of people purchase insurance thinking it is, then get disappointed when they find out they can’t go get an annual physical with it. Travel insurance is accident insurance. It is there to protect you in case of emergency and, if need be, get you home in a hurry. If you want a global health plan (because, say you now live in Beijing), you need a completely different type of plan.

Making a claim
If you make a claim, remember that any travel insurance company, no matter how good, is there to make money and will try to avoid paying out as much as they can. They are, after all, an insurance company and they don’t make money by paying out to every Tom, Dick and Harry. Be prepared to wait to receive your money because even the best companies drag their feet. In order to ensure that you do get paid your claim, make sure you have all your receipts, necessary forms, and proper documentation – all of it will help make your claim go through a lot quicker.

Major travel agencies like STA Travel and Flight Centre also offer their own plans, though coverage is very limited. While I haven’t used them, many other travel writers I know recommend Medjet and IMG too. Another really good website is Insure My Trip. It compares policies from a number of providers and a wide range of policies at once. It’s like a global insurance search site! It lots of people have success on their site, and I especially like their high age limit as not enough companies cover seniors!

My favourite insurance provider is World Nomads. I’ve been using them since I first started travelling in 2003 and use no one else. They are very reputable, and claims are quickly and fairly processed. I enjoy World Nomads for a number of reasons: I can purchase and renew my insurance policy online in a matter of minutes, they have a very friendly and responsive staff that answer questions and help solve problems via social media, have great customer feedback, and most importantly, they provide a lot of coverage at a good price. If there’s one company I would recommend, I would say go with them.
Source: https://insurancegeneralindia.wordpress.com/2015/07/27/how-to-buy-cheap-travel-insurance/

Friday 24 July 2015

5 Steps to get a Better Car Insurance Comparison Deal

Generally, two in five of car insurance policyholders think about changing a policy or an insurance service provider when policy renewal time arrives. You can easily save some handsome amount of money only if you compare online motor insurance quotes. Below are few simple steps to get a better deal on vehicle insurance online:
·         Look for the Best Cover, Not for the Low Cost
While comparing online quotes, people should be clear in mind that you are searching for the best plan and not just looking for the least expensive policy. Online comparison is the best way to get the best rate for the right plan that meets your needs. It shows which insurance products include extras. But, opt for the policy that gives high level of protection which you actually require.
 Car Insurance Comparison

·         Never Increase the Excess
Growing your excess may make a car insurance policy affordable, but it can be risky. Hence, do not increase the excess to an amount insured would struggle to pay in the future.
·         Check Around Other Insurance Companies in India
As not all insurance companies in India list their names on quotes comparison websites, so customers won’t be able to compare their products in single go. It can be worth getting a car insurance comparison quote from their website directly.
·         Add Someone to the Plan
Including an additional driver especially a more experienced one to your vehicle insurance policy can surely bring the coverage cost down. But, do not mention him as the main driving person in a plan.
·         Stay Away From Assumptions, Be Sure!
When a person is comparing online car insurance quotes offered by different insurance companies in India, he or she will definitely make some assumptions. But, it’s totally depending on you to make sure these assumptions are right. Carefully read the policy document so that you’re very much clear on what assumptions have been made.
Source: https://insurancegeneralindia.wordpress.com/2015/07/24/5-steps-to-get-a-better-car-insurance-comparison-deal/

Thursday 23 July 2015

How to find an affordable Health Insurance plan?

India is country with mass population belonging to the middle class section of the society, who try to curtail their costs in order to sustain in today's world, where cost of living index is too high. The ever increasing medical costs, complex treatment procedures, inflating economy and rising health hazards has made it necessary for all individuals to protect themselves and their families with a wide and affordable health insurance plan.

Every individual wants to be covered against every possible eventuality known, at the minimum premium amount and in this situation choosing a good health insurance product becomes their need. Although, many employers provide a medical insurance to their employees but it’s not sufficient to rely upon as it covers specific types of health concerns and secondly it’s a limited group plan. 

Therefore, it is better to have an individual or a family insurance plan for the long- term benefits, as group plan offers coverage only till he/she is on rolls of the company. At affordable cost, health policies provide comprehensive coverage with easy understanding. Once insured in a suitable health cover, the person or the covered members can enjoy wide ranging insurance benefits.
Various insurance companies are nowadays giving the facility of buying an affordable health insurance policy online. ‘Buy online’ feature has been designed for the customer's ease, where he or she can make purchase a policy just with a few clicks of a mouse. It keeps an individual away from long and complex proceedings and keeps him or she acquainted with authentic information about the products and the Company updates. It also helps in saving time and energy.

There are various health websites that will inform an individual about the health insurance for pre-existing and existing diseases, short term insurances and best medicare products. It helps understand all policy related details to yield better results. The kind of benefits offered will differ from company to company, policy to policy and also in case of pre- existing illness etc. To ensure right decision, policy terms and conditions must be studied carefully. A close reading of the associated terms will help know the plan better and thus avail all the benefits offered.

It is advisable to quote the insurance amount that you need the health cover for through a suitable insurance premium calculator. These calculators give a clear idea about the amount to be invested in the form of policy premium. When you provide the required information like policy tenure, number of members insured and sum insured, accordingly, these calculators will provide you with the premium amount to be paid. 

Thereby, you can choose an affordable health insurance plan while keeping a check at one’s own pocket size as well.Look for insurance companies that keep the policies transparent and live up to their promise of serving people with best- in class services. Claim procedure is yet another aspect which needs to be taken into consideration while taking a comprehensive health plan. 

Today, with various benefits and lucrative offers at affordable costs, people of all income levels can find an answer to their healthcare worries through “Health insurance plan.” Find a suitable health cover for self and enjoy quality health treatment that will ensure good health in future.

Tuesday 21 July 2015

Create an Instant Compare Car Insurance Checklist

Purchasing car insurance is quick and easy process. Before you select any insurance coverage, though, you require a checklist. Many people prepare a checklist for everything, from grocery shopping to ensuring all the bills are paid at the end of the month.
These lists are easy to prepare, because they know what to search for as they begin writing. But, buying an online car insurance is a quite different and hence, customers should have to get some idea what to mention on your checklist.
Below is an instant vehicle insurance checklist:

 Compare Car Insurance

Does the insurer offer a better deal for a good credit score?
Does an insurance company in India give any special deals for good driving records?
Is insurer comes into play as a ‘direct provider’ or will company pass their customers off to any local agents or brokers? Because in such cases investing your precious time as you may have to begin the detail procedure against with a broker or agent. So better ensure about the insurance service provider.
Do you have any idea about states insurance coverage needs?
Review your current policy documents and check what your coverage is. In case, children are financially independent, then you may not require some deductibles you had.
Does a customer hold multiple vehicles and what kind of deals would be available in the market? This is a very important point for motor insurance checklist.
Those who recently buy a new vehicle must get an instant compare car insurance and take a car insurance to comply with law and in case of accident.
In case customer holds a business and own a commercial vehicle insurance plan, would there be any better deal for bringing your private vehicle insurance to the new insurer?
There are various questions like this to consider while purchasing insurance online. Instant insurance is convenient, but don’t get too big or too small coverage in a hurry. Prepare that checklist before you start searching for the best policy!


Source: https://insurancegeneralindia.wordpress.com/2015/07/22/create-an-instant-compare-car-insurance-checklist/

Not Men, Women on Top in Buying Health Insurance Plans

Now, insurance companies in India must understand women buyers and their needs related to health insurance coverage. It has been observed that females are only decision makers when it comes to the purchase of 55% of healthcare plans and are partly involved in case of the leftover 45%.
Generally, majority of women initiated the buying procedure and it shows their independent nature. It means that buying process of all med claim policies involve women. In fact, this trend is rapidly increasing since last three years.

As per reliable reports, women are searching for higher sum insured. Growing stress level and changing standard of living among other factors have exposed women to developing various health problems.
Health insurance claims related to maternity have seen a high percentage of claims across urban areas for women in the age group of 18-40 years. Today, people are very aware about the importance of med claim policies.

 Health Insurance Plans


There has been an increase in the overall trend of preferring a higher sum insured. In this situation, gender may not have an important role to play. People who live in metro cities opt for higher sum insured and family floater policies are being selected over individual healthcare plans.

But, many women do not have a clear vision about health insurance plans because too many financial products in the market results to confusion. Usually, buyers believe that new born babies or in-laws are not insured under med claim policies. Insurers need to know that females have certain expectation about health coverage, including personalized services.

Source: http://blog.policyboss.com/health-insurance/men-women-top-buying-health-insurance/

Thursday 16 July 2015

Top 5 Facts to be considered before Buying Cheap Travel Insurance

If you travel without sufficient travel insurance coverage, then you will be lost financially. Travellers should not forget that there are various things which can go worst while travelling. For example, health issues can arise, flight cancellation or delays, stolen luggage etc. Buying cheap travel insurance policies India helps to cover such risks as well as compensates the insured for loss arising due to unforeseen events during journey.
In fact, insurance experts suggest travellers to buy one especially during foreign trips. In the Indian insurance market, a wide range of plans are available. But, do not forget to read finer details before selecting a policy. Below are top 5 facts to be considered before purchasing a travel insurance plan online:
 Cheap Travel Insurance

·         Inclusions and Exclusions
Initially, all plans may look similar, but the finer information like exclusion and inclusion can create a vast difference. For instance, health insurance while overseas travel is a necessary component. Generally, it offers compensation for loss of luggage, loss of important documents and flight delays or cancellation. Disabilities or accidental death because of accidents is not covered by all policies.
·         Duration Coverage
Based on your trip duration, customers can select from an annual multi-trip policy or a single trip travel insurance policy. Remember to check how many consecutive days abroad will be insured under the plan. The frequency of travel should help you to choose the correct policy type. In fact, some plans give a feature of extending the plan in case the trip duration gets extended. Selecting coverage with this feature can support in saving premiums.
·         Destination Coverage
Travel insurance companies in India provide plans which may have certain geographical coverage or global coverage. Selecting a plan with global coverage is much better as it has no risk of rejection. But, it may has exceptions and sub clauses too. Customers should know that sub limits on the coverage amount are different for different locations.
·         Extent of Coverage
When you buy a policy, check how much will be the coverage for each person. It means there will be a limit on the claims filed based on what is being claimed. Generally, there is a pre-set coverage amount assigned for the different benefits. Evaluate which policy suits your needs the best and then select the one that provides the maximum coverage extent.
·         Pre-existing Health Conditions
Usually, insurance companies in India do not offer coverage for insured’s pre-existing health conditions. However, some insurers give coverage with specific conditions. Insured is necessary to declare the pre-existing medical conditions while buying Cheap travel insurance India. Always disclose all the details related to health at the buying stage to avoid any type of hassle in the long run.
Today, travelling without adequate travel insurance coverage is a big risk. Compare various options available online and then choose the one that offers the most appropriate coverage.
Source: https://insurancegeneralindia.wordpress.com/2015/07/16/top-5-facts-to-be-considered-before-buying-cheap-travel-insurance/

Tuesday 14 July 2015

7 Point Check List while Buying Car Insurance

When you decide to buy a vehicle, the decision will always be special. So, do this task with proper planning because it also needs your hard-earned money. Prepare a excel sheet, comparing mileage, features, color details available in the list of models person is planning to buy and the works. The obsession level may be high, but care a lot while finalizing a deal. Majority of people have a tendency that they pay maximum attention in zeroing in on the vehicle, but they never pay much focus towards the car insurance policy India.
In fact, when it comes to policy renewal, probably the case is same. Insurance professionals suggest vehicle owners to pay enough attention while selecting the best car insurance plan online.
Do not forget that choosing the right policy is very much important because it will help policyholders to secure their expensive purchase, a car without burning a big hole in your pocket. Below are 7 tips which will help buyers to make the correct decision about their online car insurance:
 Car Insurance

·         Every insurer differently rates each brand of vehicles based on customers’ statistical analyses, claim history etc. Insurance companies in India update these ratings frequently; hence online comparison of similar products from various insurers is essential to get a better rate. But, ‘price’ is not the only factor customers should be looking for while selecting auto insurance coverage.
·         Today, comparing and purchasing vehicle insurance policies become easier, faster and affordable. Buyers can get the policy issued immediately and can access it at one place.
·         It is advisable to select an insurer which has a wide network of garages and offers cashless claims. It is the most convenient way for policyholders.
·         Choose an insurer that has best claim settlement ratio as well as easy claim procedures. Just go online and then do a quick search about preferred insurance companies in India.
·         Do not forget to select the correct add-ons for your vehicle as it helps to offer sufficient coverage for insured vehicle based on your individual requirements. Zero depreciation cover and no claim bonus protection are some of the most popular add-ons available on online car insurance policies India.
·         Understand all the inclusions and exclusions related to the plan, so insured will not be surprise at the time claims.
·         The best insurance service provider is the one that helps customers to find the best policy, give timely renewal reminders and guide through claim settlement processes.
Source: https://insurancegeneralindia.wordpress.com/2015/07/14/7-point-check-list-while-buying-car-insurance/