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A Consultancy
Car Insurance
Car insurance offers protection against accidents, theft, natural calamities & other unforeseen circumstance that could harm your vehicle. A good motor Insurance policy provides protection to your vehicle from the financial losses of such unfortunate events.
As per the Motor Vehicle Act of 1988, it is also mandatory to have insurance in order to drive your car on Indian roads. You can purchase the basic third party insurance policy to comply with this mandate. Or, you could opt for the extra protection of our comprehensive car insurance policy and enjoy complete peace of mind on every drive. We also offer standalone own damage insurance that can be bundled with a third party insurance policy to provide all-round cover against the perils of the road.
With several add-one covers to choose from from over 20+ General Insurer
You can choose covers such as Depreciative waiver or zero depreciation insurance, return to invoice cover, consumables etc. and customise your plan as per your requirement. You can also set the IDV and tailor the coverage to fit your budget perfectly. With RohiniCLS, you get to choose from over 20+ General Insurers, thus making it convenient for you to choose the insurance of your needs.
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Fair Prices, Guaranteed
Coverage under Car Insurance
Providing Coverage against natural Calamities like flood, storm, lightning, earthquake, landslide, etc
Inclusions
Car Inclusions Provide Coverage Against
Collisions
Damages/Losses due to collision and accidents.
Theft
Coverage against losses caused when your car is stolen.
Fire
Damages/Losses caused by an accidental fire.
Natural disaster
Damages/Losses caused due to the Act of Nature such as Flood, cyclone, earthquake Etc
Personal Accident
Get Compensation up to Rs. 15 Lakhs in case of accident leading to death or disability of the owner.
Third Party Losses
Pays for Property Damages and Injury caused by your car.
What’s Not Covered
Standard Exclusions of Car Insurance Policy
Own Damages for Third-Party Policy holder
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
Drunk Driving or without a Licence
If you were driving drunk or without a valid driving licence.
Driving without a valid Driving Licence holder
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Contributory Negligences
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Add-ons not Bought
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Add-Ons
Car Insurance Add-ons which you can buy with your car insurance policy
Factors affecting the cost of your Car Insurance
Cost of the vehicle
Your car insurance premium directly depends upon the cost of your car. Higher the cost of the car, the higher will be the insurance premium i.e higher the IDV is , the higher will be the insurance premium. (IDV stands for Insurer Declared Value. It is the maximum compensation the insurer will provide in the condition of total loss.) The IDV of a car is its selling price after deducting the annual depreciation.
Age of the vehicle
Since IDV of your car decreases with time, so will also the insurance premium of your vehicle. Generally, once your vehicle turns over 5, its IDV is decided upon the mutual consensus between the policyholder and the insurance company. You can even choose lower IDV and thus enjoy lower premium.
Location
Metro cities in India generally suffers from massive traffic Jam. This results in massive road congestion and a higher risk of road accident. Thus, in case you live in metro cities like Delhi or Mumbai, you could end up paying higher premium that you would have paid if you lived in a tie-3 town like Jodhpur, Ajmer.
Type of Policy
The premium of a third party insurance is economical and affordable as compared to a comprehensive car insurance.
Add-ons
Every add-ons attribute to different amount in the insurance policy. Thus, your choice and number of add-ons you select determine your car insurance premium.
Type of car Insurance we provide
Third Party Insurance
Third party insurance provides the basic coverage which is mandatory as per the law of our country. Third party insurance does not cover the own damage. It only cover the losses and damages caused to the third party person in a motor accident in which your vehicle is involved. Personal accident cover that pays up to 15 lakhs to the insured or his/her family member in case of any serious injuries or death as a result of an accident. Also there is no add-on option in the third party insurance.
Comprehensive Insurance
Comprehensive Insurance has 2 parts : On Damage and Third party Cover. This implies that apart from the third party cover, comprehensive Insurance also provide protection from the total loss and damages caused to your vehicle due to collision, theft, natural and man-made calamities. Also, the best part is you can also select add-ones in comprehensive Insurance in order to increase your coverage.
Standalone Insurance
Since September 2019, Own Damages was not just considered a part of the comprehensive car insurance, but was also bought as a separate policy in itself which came to be known as Standalone Policy. However , it was possible only if you already have a third party Insurance in place. The main concept of bringing a standalone policy in effect was that some of the insured may already have a third party policy but wanted to protect the car itself from damages too. That’s where the standalone policy turns out to be useful and provide protection to the car itself. Thus, instead of upgrading the renewal to comprehensive Car Insurance, we can just buy a standalone own damage cover.
Why you should buy two-wheeler Insurance from RohiniCLS?
Over 20+ Leading General Insurers to choose from
Lowest Premium
Easier Claim Settlement
Trusted Brand
Leading Insurance Agency
24/7 customer support even on National Holidays
FAQ
Car Insurance
What coverage is provided by the car insurance policy?
A car insurance policy/ four wheeler insurance policy covers the insured’s legal liability of having to compensate for damages or death occurred to third party person or property. It also covers the insured against any damages/losses caused to their vehicle.
What all are the exclusions under private car comprehensive policies?
Under private car insurance policies, there are certain exclusions which a insured should know. A normal car insurance policies do not cover any mechanical or electrical brake down, normal wear and tear, or depreciation. Also, the car insurance policy will only cover 50% of the repair cost for the damages caused to the tires, tubes or plastic part of your vehicle. However it is important to note that if the vehicle suffers damages due to the drunken driver being under the influence of alcohol or any other drug, then no claim shall be provided by the insurance company . Also no coverage for the damages will be provided by the insurance policy if the driver did not have a valid license while driving the vehicle at the time of accident or even used for motor trade , hire or reward , racing etc.
What if the policy documents are lost?
You can call on the toll free of the insurance company through your registered mobile number. You will then get connected with one of the customer care executive who will help out and provide you with a duplicate document of you care insurance policy after identity verification.
What to do if there is error in my policy?
You need to call on the insurance company’s toll free number which issued the policy. One of their customer care executive will guide you in getting an endorsement. After the request for an endorsement has been made, you insurance provider will rectify the discrepancies and will issue you a corrected car insurance.
Which documents are required when you file a claim in case of an accident or damage?
In case of an accident or damage to your car, the following documents are required while you lodge a claim:
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Four wheeler insurance policy
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Copy of driving license
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Copy of your attested claim form
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Repair bill (original)
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Registration copy of the vehicle
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FIR (only in case of theft, injury or damage to third party, or accidents)
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Evidence of release and cash receipt
What do you mean by roadside assistance cover?
Roadside assistance cover is an add-on that is offered along with your comprehensive car insurance policy. This add-on provides coverage for repairs, car towing, battery jump start etc.
I drive my car very safely. Should I opt for car insurance ?
It doesn’t matter if you drive safely or not. As per the laws in India, it is mandatory to have at least third party motor insurance in order to drive your vehicle on road.
Will I get the claim if someone else is driving my vehicle and an accident takes place?
You will get the claim since the insurance on a vehicle is applicable even if someone else is driving your vehicle, with your permission. This happens since the liability follows the vehicle and not the person.
Is it a good practice to make a claim for every accident or damage occurred?
In cases where your vehicle has been damaged in an accident, it is advisable to always check the estimated cost of the repairs. This is because it is always better to avoid using your motor vehicle insurance for making small amount claims in order to remain entitle for the NCB (No Claim Bonus).
Hope can I transfer my No Claim Bonus (NCB) to a new vehicle?
When you buy your insurance policy online for your new vehicle, you need to intimate the new insurance provider regarding the NCB, your previous insurance provider, and previous policy number for transferring the NCB.
In case you are buying the policy through an insurance agent, then you have to contact your previous insurance company and make a request for the transfer of NCB. Your have to submit all the documents that are needed and they will provide you with the NCB certificate after necessary verification. With this certificate, your insurance agent will transfer the NCB.