CAR INSURANCE

To buy car insurance online from Trident, you need to follow these simple steps. Step 1: Scroll to the top of this page and select the car insurance. Step 2: Enter your vehicle registration number or continue without it. Step 3: Select from various car insurance plans with exclusive tailor-made quotes for you. Step 4: Select a suitable plan that meets your requirements, make the payment, and receive the policy in your inbox.

Having car insurance can not only help one avoid various future risks but also help with any financial damage that may come with it. It can help meet the legal requirement of owning at least a third-party cover mandated by the government.

One can be fined upto rupees 2000-4000 based on number of violiations and can be sentence to an imprisonment of upto 3 months for not holding car insurance while driving.

Due to today's fast-paced life, one can easily forget to renew their car insurance policy on time. However, even if they miss getting their car insurance plan renewed before expiry they can still get it renewed till the next 90 days from the date of expiry. If one fails to do so then they will need to purchase a new car insurance policy.

car insurance policy number is a unique 8 to 10-digit number generally written on your insurance policy document issued by the insurer. The policy number remains the same as long as it is active with the respective insurance provider.

There are various factors which makes a car insurance company better than other company in the market. These factors include Claim Settlement Ratio (CSR), coverage, and IDV percentage offered. Based on this SBI Car Insurance tops the list with a claim settlement ratio of 100%, followed by Royal Sundaram (98.60%) and Bajaj Allianz (98.50%).

The government has made it mandatory for vehicle owners to have at least a third-party car insurance as per the Indian Motor Vehicle Act, as such every car owner in the country is compulsorily required to own at least a third-party car insurance cover. In the absence of a valid third-party car insurance plan, they can get fined up to Rs. 2,000 to Rs. 4000 and can also be sentenced to imprisonment of up to 3 months based on the number of violations.

The premium price of insurance plans is determined by the IRDAI based on the engine capacity of the vehicle, whereas the premium for standalone own-damage and comprehensive plans premium prices may vary with different insurance companies based on their market policy. The main factors which affect the calculation of the car insurance premium include the Insured Declared Value or IDV which is the current market value of the four-wheeler, another is engine cubic capacity of the vehicle greater the car’s cubic capacity higher the premium, and the age of the car as with time the value of the four wheeler reduces due to depreciation. Other factors include the normal wear and tear, make, model, and variant of the car which eventually affects the car insurance premium.

Yes, One can easily transfer their four-wheeler insurance from the old owner to them if they want to in case of the sale of a second-hand car. As per the Indian Motor Vehicle Act, the insurance provider must complete the transfer of insurance from the old owner to the new owner within 1-2 weeks of the insurance transfer request.

No, Car owners can not have two insurance policies for the same four-wheeler. However, they can get additional add-on covers such as own damage protection add-on cover, personal accident cover, etc., all together with their existing car insurance policy.

A car insurance claim can be made online by following the below-mentioned steps: Step 1: Intimate and register the claim by directly calling the toll-free helpline of the insurance provider or by visiting the website or mobile app Step 2: Note the claim registration number Step 3: After claim registration, the four wheeler insurance company sends a surveyor the extent of damages. Step 4: Submit the required documents to proceed with the claim. Step 5: The vehicle is then sent to a garage for repairs and depending on the type of garage, the final claim settlement will be made. Step 6: If a network garage is chosen, the bill is directly settled by the four-wheeler insurance company with the garage. In case, the garage is not a part of the insurance company’s cashless garages network, the policyholder needs to settle the bill which is later reimbursed by the insurance provider.

Depreciation in car insurance refers to the decrease in the car’s value of the policyholder with time due to wear and tear. It is a vital part of a car insurance policy as insurance providers use it as a base to determine the value of insurance they agree to provide for the policyholder's car.

It is required by the Indian Motor Vehicle Act to give 14 days from the date of the car’s sale to get the car insurance plan transferred from the previous car owner’s name to your name. If one fails to get the previous car insurance plan transferred within 14 days, then their car will have no valid insurance protection.

The insurance provider can ask one to disclose various relevant information such as credit history, age, criminal record, and other aspects for accepting or rejecting their application.

First, the owner needs to make the payment of a transfer fee of Rs. 50 to the insurance provider, then the buyer should submit the below-given documents to complete the car insurance policy transfer process. 1: New copy of the registration certificate/form 29. 2: Old policy document. 3: No Objection Clause (NOC) from the last policyholder. 4: New application form. 5: Inspection Report from the insurer. 6: Difference amount of No Claims Bonus or NCB. Once all these documents are submitted, the insurer validates the policy transfer. One should initiate the insurance policy transfer process within 14 days of car purchase.

The car inspection process is conducted within 24 hours once the car inspection report is filed. After the successful inspection, an online recommendation is made by the surveyor. One needs to log in to the insurance website within 48 hours and get the plan they require for their four-wheeler. Failing to do so within the stipulated time will create more future hassle.

Constructive total loss when a vehicle gets damaged to an extent where repair cost would equal or exceed its cost or its insurance coverage limit or current IDV of the vehicle. In such a case the insurance company will have to pay out the insured value of the car rather than pay for it to be restored to its previous condition based on the current IDV of the vehicle.

No, as it is only allowed at the time of car insurance policy renewal time and not in the middle of the insurance policy term.

One should immediately report to the police and file an FIR (First Information Report) as soon as possible in case the car has been involved in a third-party accident or has been stolen. All insurance providers ask for an FIR copy to initiate the settlement process in such cases.

A voluntary deductible is known as the share of the insurance claim that the policyholders agree to pay to the insurance provider from their pocket to reduce the premium of their insurance policy.

A voluntary deductible is known as the share of the insurance claim that the policyholders agree to pay to the insurance provider from their pocket to reduce the premium of their insurance policy.

One can easily make changes in the policy online through a call or email or by visiting the nearest branch of your insurance provider If there is any wrong or incorrect detail entered in the insurance policy document.

Both the old and the new owner become responsible for transferring the existing car insurance policy in the name of the new owner of the car within 14 days of the sale of the car or the old owner can cancel their insurance policy by getting in touch with the insurance provider in such case the insurance company will prorate payment and give back the remaining amount for the month or overall policy term.

One can easily purchase an add-on protection cover for personal accidents for passengers commuting in their car. This plan will help cover the cost of treatment for any accidental injuries or damages sustained by the passenger due to any unfortunate accident on the road.

A cover note is a temporary certificate issued by the insurance provider before the issuance of an insurance policy after the insured person has submitted a form for getting insurance and has made payment of the premium.

Yes, by getting a comprehensive or standalone own-damage car insurance policy, one can get cover for the cost to repair for dents, scratches and cosmetic damage.

By getting a comprehensive car insurance policy one can get coverage against any third-party liabilities, damage sustained by your car due to any unfortunate accident, theft, fire, natural calamities like earthquakes, floods, man-made disasters such as riots, strikes, etc. Hence, it is always recommended to get a comprehensive insurance policy.

By getting a passenger accident protection plan one can cover any passenger under car insurance and protect them from any future risks.

The tyre damages are only covered by the insurance policy if the policyholder's car has been damaged in the accident resulting in tyre damage as well. Also damage such as tyre burst, and normal wear and tear are not included in the coverage as policy limits the coverage to 50% of the cost of replacement of tyres.

Any damage incurred because of an electrical fire can be covered by the car insurance provider if it is included in the policy document.

The car insurance provider will cover any damages that may happen due to any unforeseen and unfortunate circumstances to you, your car, and anyone else driving your car with your consent. Hence, even if is car is driven by your friend, family member, relative, etc.

Garage cash cover is an additional benefit of a car insurance policy that allows the car owner to receive a daily allowance to cover the daily cost of transportation for their commute or work if their car has to stay at the garage repair over a period.

By getting comprehensive car insurance coverage one can have coverage against any man- made disasters such as riots, strikes, etc, Hence, any damages caused due to coconut and a cricket bat can be covered.

Yes, car damages due to rat bites are covered by the insurance provider under their damage protection plan or comprehensive car insurance policy as rat damage is admissible as it is caused by accidental and visible external means.

Car insurance can provide coverage for any damages to the engine of the policyholder's car if it is involved in any unfortunate accident. But, to get such protection one needs to add an engine protection add-on cover to their insurance policy.

Car insurance varies from one insurance provider to another as every company uses a unique formula to calculate risk and determine the amount of premium charges that one has to pay during the policy year for their policy.

The premium charges of car insurance increase every year by the insurance provider due to many factors like claim history, third-party premium rates, Insured declared value or IDV, and age of the car. As these factors can have a major effect on the value of the car and the insurance.

Yes, the premium amount of the car insurance policy can depend upon the city or town of the car registration. Insurance providers classify the city as a risky zone such the insurance premium is higher as it has a high rate of accidents and vandalism in comparison with a less developed and populated place.

No, as there is no condition for paying a car insurance premium in installments. But one can just opt for a monthly car insurance plan by paying less premium charges.

Yes, one can claim for any small damages such as a dent at the backside of their car but it can have a major impact on the No Claim Bonus (NCB) benefit when it is time for car insurance policy renewal. Hence, it is wise to bear small damages on your own and avoid losing any other future benefits.

Car insurance policy renewal ensures the continuation of policy coverage without losing any benefits. It can also bring several other benefits such as NCB or no claim bonus and help in avoiding any claim disputes.

Car insurance plans mostly come with a 1-year validity while there are also some long-term car insurance plans that come with a 3-year policy term. However, all the car insurance policies are required to be renewed before or within the due date of their expiration. One should avoid missing on their insurance renewal date and renew it within the allocated grace period which varies from with their insurance provider.

One can now easily buy or renew their car insurance policy online in just a few easy steps from Trident by visiting official website- https://Trident.co.in/ and compare various available plans and get the one that meets their needs.

Yes, one easily migrates their NCB or No claim bonus even if they change insurance provider at the time of policy renewal by submitting evidence of the earned NCB at the time of renewal notice from their previous insurance provider.

One can renew their car insurance policy online by visiting the insurance company's official website with whom they have brought their insurance policy. After logging in to the website click on the renewal section and enter your previous car insurance policy number and its expiry date. Confirm the details of the plan and pay the premium charges.

Yes, it is safe when one tries to renew their insurance policy from the authentic insurance provider website or an insurance aggregator such as Trident.

The cost of renewing a car insurance plan always can vary with various factors such as insurance provider, policy type, add-on covers, car current IDV, and age of the car as such there is no fixed cost of policy renewal.

The No Claim Bonus (NCB) stays intact even if one car insurance policy expires. The policyholder can easily claim the NCB by renewing the insurance policy within 90 days of the policy expiring.

The No Claim Bonus (NCB) is known as the premium discount that is given to the policyholder as a reward by the insurance provider for making no claim requests in a previous policy year. It can range between 20% to 50% based on the premium of the next policy year.

If one is renewing their car insurance policy with their previous insurance provider then there is no requirement for submitting any documents to avail the No Claim Bonus as it is directly included in the renewal premium charges. But, if they are transferring their insurance policy to a new insurance provider for their car, then they will be required to submit the previous year’s car insurance policy document or renewal notice stating any NCB discounts.

No, as the policyholder is no longer insured with the insurance provider with their policy expired, hence the No Claim Bonus (NCB) will no longer be applicable and they will have to renew their plan on the standard policy premium charges.

One can easily transfer their No Claim Bonus (NCB) to their new car after they have cancelled their previous car insurance policy. They will need to submit an NCB retention letter from the previous insurance to the new car insurance provider to avail of the benefits of the premium discount.

Yes, the No Claim Bonus (NCB) is transferable when one switches their car insurance provider. As long as they submit a No Claim Bonus or NCB issuance certificate to their new insurance provider from the previous insurance provider they are eligible for a premium discount on their new car insurance policy.

Many insurance providers offer their customers a Zero Depreciation cover, known as an add- on cover in a car insurance policy that helps one protect their car value from depreciating even after getting serviced for any damage or spare parts replacement by paying little charges on the insurance premium.

The IDV or Insured Declared Value is the maximum sum insured by the insurance provider to the policyholders in case of total loss or theft of their car.

One needs to submit a signed letter from their lender bank, an endorsed copy of RC, form 34, PUC certificate, address proof and PAN card with a valid car insurance policy and receipt of the fee paid to the RTO for getting the hypothecation. Whereas to remove the hypothecation from one car insurance policy, they will have to submit a NOC from the lender bank to the insurance provider and attach documents like form 35, a valid four-wheeler insurance policy, and PUCC.

To get a duplicate copy of car insurance one can follow the following steps: Step 1: Go to their insurance provider's website and login into their account. Step 2: Go to the car insurance tab or the account section and check their current active policy. Step 3: Download the policy copy from the provided link. One can also contact the customer care team of their insurance provider and file a request to get a duplicate copy of their four-wheeler insurance policy and they will send it to them.

Yes, as long as the online insurance provider website is a registered seller of the car insurance policy the insurance purchased will be a valid insurance policy document.

In case one loses their car insurance policy online they should immediately report it to their insurance provider and request for a duplicate copy at the earliest. But in some cases, the insurance provider can require the policyholder to submit a lost report as such they need to visit their nearest police station get an FIR report for the same and submit it to the insurance provider for the issuance of the duplicate insurance policy copy.

One can check the status of their insurance policy online through the official website of the Insurance Information Bureau (IIB), VAHAN E-services, Parivahan Sewa and the insurance provider by entering the vehicle details or logging in their accounts.

One can easily apply for an insurance claim for any damage that may happen to any unfortunate accident or circumstance even as small as a car dent. But it is always recommended to avoid raising any claim for small damages and fixing them out of pocket as it can cost them less than going through the whole process of an insurance claim and paying the deductibles charges. It can also impact their No Claim Bonus accrued over the previous cycle.

One can file for as many claims as they want as there are no such restrictions applied on the number of claims that they can make in a policy year under the car insurance policy. But, one should also keep in mind that the insurance claim can impact their No Claim Bonus (NCB) and can also lead to termination of NCB along with an increase in the amount of premium charges that they might have to pay during policy renewal.

Cashless car insurance provides the policyholders the option to avoid paying from their own pockets for any repair or service work that they have to get for any damages due to an unforeseen and unfortunate accident or circumstance by directly settling the bill with the network garage.

The FIR report is only asked by the insurance provider in case of third-party accidents on the road that lead to bodily injury, disability, or death of either party. But the FIR report also becomes a requirement if one car gets stolen or the owner is the victim of theft.

The insurance claim settlement can vary with the insurance provider and the market policies. However an average of 7 days to 45 days is required by the insurance provider to settle any claim based on the claim requirements.

If one finds themselves to be the victim of their car theft, then they can follow these steps to recover their financial losses: Step 1: Register a First Information Report (FIR) at the nearest police station. Step 2: Intimate and raise the insurance claim by notifying the insurance provider of the theft. Step 3: Inform the nearest RTO office about the car theft and file for transfer papers that need to be submitted to the insurance provider. Step 4: Submit all the required documents to the insurance provider along with a No Trace Report given by the police station in case they are not able to find the owner's car in the allotted period. Step 5: Settlement of the car insurance claim.

One can easily cancel their car insurance claim with their current insurance provider by directly contacting the insurance provider on a toll-free number or by sending an insurance policy closure request to the official mail of the insurance provider.

One can always raise an insurance claim with the insurance provider every time for any damages to the car. However, it is always recommended to claim insurance for any major damages as one will lose their NCB and can have to pay the deductible charges by claiming their insurance policy early. Therefore, one should not raise a claim every time their car gets damaged.

By reporting the insurance claim directly to the insurance company the policyholder can directly initiate the car insurance claim process and get a faster resolution to their claim.

Cashless car insurance claims are classified as cases where the insurance company settles the claim directly by making the payment on behalf of the policyholder to the network garage for the repair and servicing of the car after any damage. Whereas a reimbursement car insurance claim is when the insurance provider repays or reimburses the policyholder for any charges that they paid out of their pocket for any repair and servicing work after any damages.

No, because for the claim to be considered valid the policyholder needs to report the damages within the allotted period of claim which is within 24 hours to 72 hours.

In most cases of a claim, the policyholder needs to file for an insurance claim within the allotted time of the insurance provider guidelines for the claim to be valid and processed for settlement. But, it can also vary with various insurance providers based on the case of the policyholder as such one might be able to claim damages that might have happened 6 months ago if the insurance provider allows it.

One needs to contact their insurance provider immediately for more details as to why their insurance claim was rejected and ask if they can do anything regarding the same.

Currently, there are no discounts that are provided for people with disabilities. But it varies as it entirely depends upon the insurance provider to give people with disability discounts on the insurance premiums.

Yes, if the policyholder has opted for a personal accident add-on cover then they can get an ambulance ride service without paying any additional cost out of their pocket as insurance providers cover it.

Yes, as it can affect the insurance policy premium charges and can also cause the policyholder's insurance claim to be rejected in the future if they try to claim it.

One can easily get coverage for their CNG or LPG kit for their car by getting a comprehensive car insurance policy or additional damage add-on cover with their existing insurance policy.

IDV is the total current value of the car calculated by subtracting the depreciation from the manufacturer's selling price and any accessories that are not added yet to the car excluding insurance and registration costs.

One can get a fine of up to ₹2000-₹4000 and 3 months of imprisonment if they are found to be driving without a valid car insurance policy.

One may need to pay higher premium charges to the insurance provider when they change their city as risk factors of the moving city can vary and cause them to have a higher coverage policy. Therefore, one must inform their insurance provider of any changes that can affect the coverage of the car insurance policy.

Endorsements are the changes that are made at the request of the policyholder to the insurance policy terms and conditions by the insurance company. It can help policyholders get any additional conditions that they want in the policy.

If one wishes to get a fresh insurance policy for their second-hand car, then they will have to follow the below-given steps: Step 1: Make sure the previous insurance policy has either been cancelled or expired. Step 2: Go to the Trident official website and navigate to the car insurance section. Step 3: Enter your car registration number. Step 4: Enter the contact number in the open dialogue box and click on Get OTP for verification. Step 5: Check various available quotations. Step 6: Select a plan as per your needs. Step 7: Opt for an additional add-on cover if required. Step 8: Pay the required premium charges and easily get your car insurance policy.

Yes, customers are allowed to cancel their car insurance policies at any time by properly informing their insurance company by directly contacting them on their toll-free helpline or by sending an email on the official email requesting cancellation of their insurance policy.

Yes, one can easily get their vehicle repaired or serviced at their convenience at any garage that is near to them. But is always advised to get the car repaired or serviced at a network garage to avoid any delays or hassle in the claim settlement process.

Yes, one can easily get their vehicle repaired or serviced at their convenience at any garage that is near to them. But is always advised to get the car repaired or serviced at a network garage to avoid any delays or hassle in the claim settlement process.

Yes, as the different car models have different parts and can also vary in the market price range. This can have an impact on the premium charges of the car.

The process in which the insurance provider charges additional premiums cost on the policyholder that are prone to risk factors which can be associated with a long-term loss is known as the loading or loading period in a car insurance policy.

Yes, but only if they have a valid active registration number. Most insurance providers will only renew or insure a car that is over 15 years old and has a valid registration number. However they can still get third-party insurance as it has been mandated by the law from various insurance providers in the market.