Car Insurance in Chandigarh

Being one of the most livable cities in India, Chandigarh attracts people from all walks of life. This increase in the city's population has also resulted in traffic, road accidents, and vehicle theft in the city. To cover these accidents, theft, and other unanticipated incidents causing car damages, one can purchase car insurance in Chandigarh.

Read more

Stats About Chandigarh Traffic

• The number of road accidents in Chandigarh in the year 2022 was 237.
• The main reason for such accidents was the overspeeding of vehicles.
• Out of this number, 78 were fatal, and 158 were non-fatal crashes.
• In the first six months of 2024, an average of 100 vehicles were stolen every month in the city.

Why Should You Buy Car Insurance in Chandigarh?

There can be many reasons for buying car insurance in Chandigarh. Some of these are:

• Mandatory Coverage in Chandigarh: Covering your car with a valid insurance policy in Chandigarh is compulsory as per the motor laws of India. If you are caught driving without a car insurance policy, you will be subject to heavy traffic fines.
• Financial Assistance: By buying car insurance online in Chandigarh, you can get financial assistance when your car sustains damages due to unforeseen road emergencies such as an accident.
• Personal Accident Cover: Accidents may also lead to fatalities or disability, resulting in heavy financial and emotional loss for those behind them. A Personal Accident cover can compensate you for losses up to Rs. 15 Lakh.
• Coverage from Theft: Theft of vehicles is a common occurrence in Chandigarh. Not having a car insurance policy to cover this theft can cost a lot. Therefore, it is highly recommended that you cover your car with a comprehensive insurance policy to get some compensation if your vehicle has suffered losses due to theft.

Types of Car Insurance Policies in Chandigarh

There are three types of motor insurance policies offered in Chandigarh. These are:

Third Party Insurance

This mandatory car insurance policy covers any third-party liabilities that are caused by the insured four-wheeler. Liabilities to third parties include death, disability, or property damage of the third party involved in an accident with the insured car.

Standalone Own Damage Insurance

Standalone own damage or SAOD insurance can be purchased to cover a car's own damages when you only have a third-party insurance policy. This policy compensates when an insured vehicle sustains damages due to unforeseen emergencies like road accidents, fire, theft, etc.

Comprehensive Car Insurance

A comprehensive car insurance policy is a broad policy offering both third-party and own damage coverage. It compensates when the insured car sustains damages due to accidents, theft, calamities, etc. Moreover, this policy covers third-party damages as well.

Coverage Offered Under Car Insurance in Chandigarh

When you purchase a comprehensive car insurance policy in Chandigarh, you get the following coverage.

Inclusions

Claims can be raised for the following damages under car insurance in Chandigarh:

• Third-party death, disability and property damage due to the insured four-wheeler.
• Earthquakes, cyclones, hurricanes and other natural calamities cause damage to the insured car.
• Manmade acts like strikes, riots and terrorist acts causing damages
• Total or partial loss of the insured vehicle caused due to theft or burglary.
• Losses arising out of fire-related incidences
• In-transit damages caused to the insured four-wheeler

Exclusions

You cannot raise a car insurance claim in Chandigarh if your car suffers damages due to the following reasons:

• Damages to the insured car when being driven under the influence of drugs or alcohol.
• Losses caused to the insured car when the driver was driving the vehicle without a valid DL.
• Losses arising as a result of contractual liabilities of the owner/driver of the insured vehicle.
• Mechanical or electrical failure of the insured vehicle.
• Depreciation or wear and tear sustained by the car and its parts.
• Accidental damages outside the specified geographical location are not covered.

How Much Car Insurance Coverage You Need in Chandigarh?

If you live in Chandigarh and wish to know how much coverage you need, you must understand the types of coverage offered by insurers. For instance, if your car is old or second-hand, there is not much need to invest in comprehensive coverage. Here, you can simply go with third-party liability insurance.

However, a complete coverage plan would be the right choice if you have a relatively new car, as repairs on new cars are very expensive. With the help of a comprehensive plan, you won't have to pay for repairs from your pocket as it will be taken care of by the insurer.

Moreover, if you have a comprehensive car policy, you can be compensated up to IDV in case your car is stolen.

How to Buy Car Insurance Online in Chandigarh?

A car owner can get car insurance in Chandigarh via two modes: offline and online. The offline mode may be cumbersome and can be time-taking, while the online mode is easier and hassle-free. Here is how you can buy car insurance online from Policybazaar.com in Chandigarh:

• From the homepage, click on the "Car Insurance" tab.
• Enter your car number using the given number or select the "Brand New Car" option.
• From the list of RTOs, select your RTO in Chandigarh.
• Select the rest of the details, such as the car's make, model, and variant.
• Now select vehicle registration year.
• From the given list of car insurance plans, choose the suitable plan.
• Select add-ons that you wish to include.
• Proceed with premium payment using the desired payment method.
• Once you have made the payment, your car insurance policy will be sent to your email.

Traffic Do's and Don'ts in Chandigarh

• Don't drive your car under the influence of alcohol or drugs.
• Don't speak on mobile phones while driving your car
• Make sure to carry all relevant documents like insurance papers, vehicle RC, PUCC, and driving license while driving.
• To avoid paying a hefty challan, make sure to strictly follow all the Chandigarh traffic rules.