Coronavirus and your car insurance: What you need to know!

The surge in Covid-19 cases; the grave attempt to control the spread leading to night curfews, lockdowns by many states is creating not only chaos but also creating a feeling of Déjà-vu of what all happened last year. Amongst all of this, you still have to carry on with your daily tasks and be patient. During these times, if you are of the thought that you don’t need to renew or buy a car insurance policy because car usage will shrink due to the current situation, you might want to reconsider the scenario. You’ll need to take your car out for quick spins to get your essentials or in case of medical emergencies. Be aware that third-party liability insurance is still mandatory and if coverage is expired, you will be held personally responsible for an accident and could be heavily fined or land yourself in some serious trouble. In another unfortunate event, your vehicle sitting in your garage, driveway, or parking facility, could suffer damage due to fire, theft, or some other type of physical damage. Then, Why take a chance?

In only a few month’s time, the COVID-19 crisis has brought years of change in the way we live and carry out our essential work. Starting from Work from Home to ordering groceries online, digitization has reshaped the way we live. One such sector that has seen a rapid transformation is four wheeler insurance where contactless policies & services have become more relevant than ever.

Car insurance has been available online much before the pandemic hit us but for numerous reasons people were opting for the traditional method for getting their car insured. A major reason was not feeling comfortable buying policy online. However, with the surge in COVID-19 cases, there is a need to maintain contactless connections yet still continue with our essential tasks and the internet has opened doors to buying insurance in the same way as shopping for clothes or groceries online. The fact is that buying car insurance online is not only convenient but also the need of the hour. It is important to reduce contact with anyone and yet, still achieve the same benefits or even more as you would have probably 2 years ago.

Take a look at the following advantages if you are skeptical about buying your car insurance policy online.

You can compare multiple policies

Buying car insurance the traditional way meant getting in touch with an insurance company via call or personal visit; getting the policy details and if not satisfied, repeat the process with another company. However, buying car insurance online eliminates manual comparison – you can check your premium amount on the various insurer websites and compare the benefits and choose the most suitable policy. Not only that, you can compare different policies from the same insurer and choose the one which best caters to your needs.

You will have to deal with no or minimal paperwork

All you require to buy a car insurance policy online is answering a few basic questions about you and your car. These questions will help you determine the coverage you wish to buy to protect your car, yourself and third-party. Select the premium amount, pay and the policy is in your inbox. That’s it, there is no paperwork required if you’re renewing your car insurance policy online. Even in case of an expired policy, you really don’t have to worry much, you can renew your car insurance policy online and your insurer with either ask you for an inspection of the car or will send an agent to your house to check your car’s condition and your policy will be issued accordingly.

You will get a policy through convenient means and in no time

Thanks to better connectivity, buying a car insurance plan can be done at any time and from anywhere. Even if you are doing it from the comfort of your home at midnight or from your vacation in the hills, you will still have a seamless experience. Then, why go ahead with the hassle of taking someone’s time and convenience to help you with the issuance of your car insurance policy. With buying a policy online, you are in charge of your own policy and at your convenience.

If you’re ready to get your car insured online, consider Tata AIG. They are one of the first private general insurers in the country and have been in operation for over 20 years! You can trust them to be transparent and reliable with claims & service. More importantly, getting a policy is absolutely a breeze online with their new website. You can find all types of policies from Third-party to Comprehensive, including 13 add-ons you can choose from; so you won't be short of options.

Source: The Times of India