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Best car insurance

Today I will give you all the information about the best car insurance.

 And I will tell you some small important things of all the companies so that you make the decision and buy the best car insurance.

Before talking about the companies, let me tell you what are the things you should keep in mind while buying car insuranc

  1. First of all you have to see your need whether you want car insurance just to avoid police or you really care about your car and your life.
  2. The second thing you need to know about Add-ons is which insurance company is providing which Add-ons.
  3. Before taking insurance of any company, definitely ask how to claim it, whether it is not much hassle or difficult
  4. One thing is clear that you guys must take the Add-ons cover, now that I am talking about Add-ons, let me tell you what is Add-ons.

    Best Add-ons covers for car insurance

    When you buy a car insurance, the company takes some extra money from you and gives some extra offer which we called add on, like there is an add on called Zero Depreciation, under this the company gives you 100% money in case of damage to any part of your car to build it, if you do not take this add on, then the company gives you only 70% money. There are more such important addons which we will going on tell you.

    Note:- Zero Depreciation add on is not for more than five year old car.

    Engine protection add ons


    Engine protection add on Under this add on, you get money from the company if there is any defect in the engine of your car. You should take this add on when you live in a flood affected place because in that case the chances of engine failure of your car are high.

    Note:- engine protection add on is available only for vehicles less than 5 years old.
  5. No claim bonus Under this, you get a discount of some percent on the basic premium every year, But you get this exemption only if you do not claim money from the insurance company for a whole year.

    Now what is the basic premium? We will understand basic premium in two parts, first let us know what is premium.
    After taking insurance, you have to deposit a fixed amount every month and this amount is called premium. 

    Now coming to the basic premium, we give an example to understand this, if you take car insurance and you do not add any Add Ons in it, then the amount you will pay will be called your basic premium, and if you add, Add Ons, then you have to pay the basic premium + Add On charges together which is called premium.

    If you do not make any claim for 1 year, 20%, if you do not do it for two years, 25%, if you do not do it for three years, 35%, if you do not do it for four years, 45%,
    And if you do not make any claim even for 5 years, then 50% to 75% rebate is available on your basic premium.

    Road side Assistance Add On

  6. As you can see, the specialty of this add on is being known from its name, you are thinking right, inside this add on it happens that if you are driving and your car is somewhere on the road will be damaged or punctured Or for any reason you are standing on the middle of the road with your broken car, then this add on will help you, all you have to do is make a call to the insurance company and they will arrange a mechanic for you and send it to you.

    Returning to Invoice Add On


    If you add this Add On cover to your insurance, then you will get the same amount of money for your car as you bought the car in future if your car is stolen or completely burnt. If you do not take this cover, then if your car gets burnt or stolen after 4 years, then you will get very less money by putting depreciation on your car without getting the full amount.

    Daily Allowance Add On


    It happens under the daily allowance cover that if there is any defect in your vehicle, it is kept with the mechanic for 2,3 days. And those two or three days you have to go by auto or any other vehicle. You have to invest money, this cover will help you to save the exact same money and the company will give that money to you.

    Personal Accident (PA) Add-on


    To understand the upcoming add ons, it is important for you to understand Personal Accident (PA). Personal Accident is not an add-on, you get it only in the basic premium when you get insurance, it is inside that if you ever have an accident, then the cost of your hospital ambulance, everything is paid by the company. But have you ever thought that there could be someone else in that car other than you, then who will pay its expenses or hospital bill, so there is an add-on attached to it which is known as Passenger Cover.

    Passenger Add On

  7. Under the passenger add on, all the passengers who are injured during the accident of your car, the company pays the hospital expenses of them.

    10 Best Car insurance companies.


    All the Add ons I told you, these are very important covers. The company which is providing you all these add ons, you can buy insurance with that company and now let me tell the names of some best companies from where you should buy insurance.


    1. IFFCO Tokio General Insurance
    2. ICICI Lombard General Insurance
    3. Future Generali India Insurance
    4. SBI General Insurance
    5. Bajaj Allianz General Insurance
    6. HDFC ERGO General Insurance
    7. Tata AIG General Insurance
    8. The New India Assurance
    9. Universal Sompo General Insurance
    10. Kotak Mahindra General Insurance

    Best way to get cheapest insurance for your car Go now and read this post you will not believe that you did not know all these things. read me