Car Health Insurance
Now whenever we think about the safety of any of our vehicles, then first comes to our attention, they are car insurance,
But do you know that not only normal insurance, but car health insurance is equally important? Car Health Insurance is for the protection of your car engine, gearbox, and other important parts, this can avoid sudden and very expensive repair expenses.
Friends, through this blog post, we will know how to take care of health insurance or how to apply important tips and answers to the questions going back to you
What is a car health insurance?
Car Health Insurance, also called Mechanical Breakdown Insurance, is a better option that is for the financial security of important mechanical parts of your car
There is a type of insurance that is for the protection of important mechanical parts of your car, this insurance is useful when your car part fails to fix it, to fix it, financial assistance is provided immediately under this insurance policy.
Car Health Insurance Benefits and Benefits
1. Security feel: Car Health Insurance provides peace to your mind. You do not have to worry about any financial assistance related to the car because after taking health insurance, every malfunction related to the car is financially Assistance is provided
2. Repairing repair costs can be extremely expensive to repair parts like engines or gearboxes. Car Health Insurance covers your expenses so that you do not have to spend a large amount
3. Resale value: The train is high and in good condition. Car Health Insurance helps to keep your car condition better so that if you sell the car again, you can get a good amount.
4. After taking insurance, the weight of repairing your car from time to time will not come on you because
Major companies providing car health insurance
1. ICICI Lombard General Insurance
| Plan | Car insurance comprehensive plan |
| Premium rate | ₹5000 to ₹20000 depending on the car model and age |
| Key features | Own-damage cover, third-party liability, cashless garage, roadside assistance. |
2. HDFC ERGO General Insurance
| Plan | Car Insurance Comprehensive Plan |
| Premium rate | Depends on the make, model, and engine capacity of the car, usually between ₹4,500 to ₹18,000. |
| Key features | 24×7 roadside assistance, cashless network garage, no-claim bonus. |
3. Bajaj Allianz General Insurance
Premium rate Ranges from ₹6,000 to 25,000 based on the car’s age and engine capacity. Key features Own-damage cover, accidental total loss cover, free vehicle pickup.
4. SBI General Insurance
| Plan | Private Insurance |
| Premium rate | Typically between ₹5,500 to 22,000 depending on engine capacity and model |
| Key features | Party cover, own-damage cover, no-claim bonus |
5. Tata AIG General Insurance
| Plan | Auto Secure Private Car Package Policy |
| Premium rate | Typically ranges from ₹5000।to ₹21,000 |
| Key features | liability, road protector’s loss, third-party assistance, engine |
When to take a car health insurance?
There are 3 main points by which you can choose the right time for car health insurance keeping in mind.
1. While buying a new car: Whenever you are buying a new car, you can choose car health insurance to keep it in the right condition for a long time.
2. After the car warranty is over: If your car warranty is over, then it will be very important to take this policy at this time,
3. While buying an old car: If you are buying any old car i.e. second-hand car at any time, then you can take advantage of insurance.
How does car health insurance work?
If we talk about insurance, then it is such an option that after taking the problem in your car, if the problem is coming in the car like any money related to the car, the money will pay you the money that the insurance company will pay that money.
Choose the right car health insurance
1. Understand the terms of the policy
Before taking any policy, it is important to see what facilities will be available and whether the policy cover will be available or not. Some policies cover just the engine and transmission, while others cover other mechanical parts as well.
2. Compare Premiums
All insurance companies have different premium rates. Before taking the policy, you can keep in mind the premium policies of different companies because you will get a chance to choose a better policy.
3. Check the Claim Process
The claim process of a good insurance policy should be simple and fast. So that if you claim at any time, the claim can be provided to you directly without any kind of problem.
4. Additional benefits
Some companies also offer additional benefits like free servicing, tire change facilities, etc. Keep these also in mind, you should buy the policy keeping these small things in mind.
FAQs
1. Is car health insurance available for both new and used cars?
While Friends Car Health Insurance is available for both new and used cars, the premium amount may be higher for older cars.
2. What should I do if there is a mechanical problem with my vehicle?
First of all, contact your insurance company. They will diagnose your problem and begin the repair process. You can consider applying for a claim.
3. Is the vehicle checked before taking car health insurance?
Yes, most insurance companies check the mechanical condition of the vehicle before issuing the policy.
4. Can I get a claim for routine servicing also?
No, regular servicing and maintenance costs are not covered under car insurance.
Conclusion
Insurance is an important measure to protect your vehicle, which keeps your vehicle in good condition and better working for a long life. To choose the right car health insurance policy, follow the tips given above and keep in mind that you are taking care of your vehicle. Choose the most appropriate option.