Car Insurance
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Choose the insurance policy you need
Choose between the 3 major types of car insurance policies in India. Decide based on the type of coverage, vehicle usage, and cost.
Comprehensive
Comprehensive vehicle insurance covers theft, damage, third-party liabilities, and natural calamities. It includes own damage (OD) and third-party liability (TP) for complete protection.
Third party
Third-party liability (TP) is the most basic type of motor insurance and is mandated by law. It covers third-party damages and legal liabilities from accidents involving the insured vehicle. TP provides compensation for injuries, death, and property damage.
Own damage
Own damage (OD) vehicle insurance covers costly repairs and replacements of your car, arising due to accidents, theft, or fire. OD policy does not cover third-party liabilities.
Customise your policy with add-ons
Enhance your policy and reduce financial liability further with smart add-ons.
Zero depreciation
Full payout of claims in case of any repair or replacement.
Return-to-invoice (RTI)
Receive complete invoice value in case your car is stolen or damaged beyond repair.
Breakdown assistance
Get towing, emergency fuel delivery, flat tyre repair, and other common types of roadside assistance.
Personal accident cover
Cover of up to INR 15 lakh against death or disability of the car owner.
No claim bonus protection
Retain your No Claim Bonus (NCB) even after making a claim.
Engine protection cover
Covers engine and gearbox damages caused by oil and water leakage.
Key protection cover
Covers expenses for key repair or replacement in case of loss or theft.
Consumables cover
Covers the cost of consumables such as engine oil, filters, lubricants, and more in case of repair.
Why do you need car insurance?
Why insure with us?
Depend on the Jio Insurance brand and our simple insurance plans for worry-free coverages.
Choose from the best
Get options to select best motor insurance from the top insurance companies.
Maximum Insured Declared Value
Get maximum coverage for your vehicle.
Add-ons
Customise your motor insurance policy with a wide range of add-on covers.
Instant policy issuance
Get your policy copy in just 4 simple steps.
Claims made simple
Raising an insurance claim is easy now. Know how.
Education
What are Pre & Post Hospitalisation Expenses in Health Insurance?
When we think of health insurance, we usually focus on hospital bills and premiums. But, have you ever thought about it that very often, your expenses can begin before stepping into the hospital and continue long after you leave? That's exactly where pre- and post-hospitalisation expenses come in, which are a critical feature in most health insurance policies. Let's take a look and explore how these benefits work and why they are essential for a comprehensive healthcare safety net.
Top Benefits of Having Comprehensive Health Insurance
Health expenses can hit when you least expect them, sometimes out of the blue and sometimes with a warning. Nevertheless, be it an emergency hospitalisation, long-term treatment, or even routine check-ups. Medical bills have a nature and way of piling up. This is where buying a comprehensive health insurance policy is not just a smart choice but essential. But again, not all health insurance policies are created equal. The best health insurance goes the extra mile, offering broader coverage and peace of mind, just so you're ready for whatever life throws at you. That being said, if you're wondering why it is worth investing in, let's break down the benefits of health insurance and how it protects your finances! Did you know when you buy health insurance from Jio Insurance Broking, you can save up to 20%?
Top Benefits of Bike Insurance Renewal Online
Manpreet knew his bike insurance was going to expire soon, and he knew it would take him just 5 minutes on his Jio Insurance Broking app to renew the policy. However, day after day, he just couldn’t prioritise this task. As luck would have it, his policy expired on monday at midnight. Wednesday, while rushing to the office, he jumped a red light and was stopped by a traffic policeman. When asked for his license and insurance, Manpreet realised he was in trouble. His carelessness cost him not just a significant fine but also embarrassment. Sounds scary, right? Well, it is. By missing your chance of timely bike insurance renewal, you not only go against legal standards but also expose yourself to big expenses like accident repairs, medical bills, and much more. By renewing your bike insurance on time, you offer yourself a safety cushion with financial backing in such situations. In addition to that, there are several other benefits of bike insurance renewal. Stay tuned as we explore some of them.
Online vs. Offline Car Insurance Renewal: Which is Better?
A car insurance policy has a fixed tenure, and to continue availing services, it is mandatory to renew the policy before its expiration. You can renew car insurance either online or offline. While the online method gives you the comfort of renewing from anywhere at any time, the offline method provides you comfort if you are not well-versed with the digital platform.
Limited Pay vs Regular Pay Term Insurance
So you’ve made up your mind to buy a term insurance policy. However, as you go ahead, you are asked the question of whether you want a limited pay term insurance plan or a regular pay term insurance plan. And you are taken aback. Sounds familiar? Read on.
How to Get Bike Insurance Details by Vehicle Registration Number?
Riding the bike of your dreams is possibly one of the most pleasurable moments in life. While you are enjoying your rides in the city, it is important to be diligent, which begins when you buy bike insurance. According to the Motor Vehicles Act, of 1988, every motor vehicle owner has to get vehicle insurance compulsorily. If you own a bike, you must already have insurance in place. But if you have misplaced the hard copy of your insurance policy, how do you check the details of your bike insurance? Well, worry not. Read on to find out how to easily get bike insurance details with your vehicle number.
Bumper To Bumper Car Insurance Policy
Let's say you and your friends decide to go on a road trip on a nice day, but you know that accidents and scrapes are frequent. These days, having good car insurance isn't just the law; it's also a matter of convenience. It's more about having peace of mind when bad things happen in life. When friends talk about this over coffee, it makes people wonder how insurance can really protect you from accidents that cost a lot of money. The benefits become apparent when you think about how expensive a small accident could be without the proper security. Imagine being in a busy parking lot when another car accidentally hits yours. These daily events show the importance of complete safety, like bumper to bumper car insurance. With this kind of security, you don't have to worry about damage happening in almost any situation. It's like having a safety net that keeps you covered with money and help in case something unexpected happens. It makes the trip easier and less stressful.
Guide To Vehicle Inspection During Car Insurance Claim
In our busy world, it can be hard to figure out how to go through the process of a car check, especially when something goes wrong out of the blue. Imagine getting a call on a rainy day after a minor car accident and not knowing what to do next. If you need help with your car insurance claim, this guide will explain everything in a crystal clear way. Making sure you feel informed and supported at every step of the way is our goal to make the process less stressful. Continuing with that example, consider how knowing how the car insurance review process works could help you feel better when making a claim. We break down complicated information into easy steps so you can confidently handle your problem. Whether you're talking to a service agent or making an appointment, a plan is beneficial. You will be travelling with this guide by your side.
How To Check Bike Insurance Policy Status Online
Take a ride in the afternoon sun, and suddenly, you start to wonder if your bike insurance is still valid. Checking the state of your policy shouldn't slow you down in this fast-paced world. It is a problem that a lot of riders face when they are planning long trips. With digital tools that are easy to use, checking your coverage is now quick, safe, and easy. This piece tells you everything you need to know to ensure you always know what's going on with your policy while you enjoy your ride. Consider that you are planning a trip over the weekend and need to check your bike insurance policy status quickly. After logging in, a few clicks make it clear what coverage you have. This conversational guide shows you how to check your account online. It breaks down the steps, lists the requirements, and even discusses how to fix common problems. Whether you're a first-time rider or a seasoned passenger, our clear instructions make managing your insurance easy and stress-free.
Individual Health Insurance Vs Family Floater Plan
Imagine waking up one morning and finding out that your family's health in the future is not certain. Getting the right health insurance is just as important these days as locking your front door. Many people aren't sure whether they want personalised service or a plan that covers more things. This choice could have an impact on all of your business plans and your peace of mind. Knowing what your choices are is a key part of ensuring your long-term health. Let's say you're drinking your morning coffee and discussing your plans. The subject automatically turns to the pros and cons of having individual health insurance versus a plan that covers the whole family. You could compare the customised security to the more general coverage. In this fascinating conversation, every little thing counts, and each part of the policies can affect your final choice, making it both personal and vital.
Step-By-Step Guide To Reimbursement Claims In Health Insurance
Imagine getting medical bills out of the blue after an accident and wondering how to get them paid back. This guide talks about how to file a refund claim when you have a good health insurance plan. Imagine you are in the hospital, and the staff tells you that we are not empanelled with your insurer and you must claim this bill via "Reimbursement", but you don't know how to start. You'll never feel lost during a stressful time because we'll clearly explain each step. This piece will help you make complicated steps seem easy to understand and helpful. Imagine that a family member gets sick out of the blue, and you need to make a refund request quickly. The initial fear becomes clear as you learn what papers you need, how to submit your claim, and when to do it. With our step-by-step guide, you'll feel confident you can handle every part of your claims process. This guide will review every detail that will help you quickly get your benefits.
Why Buying A Term Plan Even At 40 Is A Great Idea?
In our fast-paced world, planning for the future is even more critical as people get closer to 40. Imagine that you have to balance your work obligations, your family duties, and your plans for the future all at the same time. Now is the most critical time to make smart financial choices. One such choice is picking a life insurance plan that can adapt to your changing wants. Getting term insurance can be a big step towards a safe future for many people. Many people think getting insurance when they're 40 is too late, but that's not true. Now is a great time to take a fresh look at your financial safety net and consider how to stay safe. With health situations changing and costs increasing, a well-thought-out plan can make all the difference. There are a lot of experts who say that looking into term insurance plans at this point can still be helpful. It can protect your family in case something terrible happens.
Add-On Benefits You Should Buy With Your Term Insurance Plan
Imagine having a nice family dinner, telling stories and laughing, when suddenly you hear about an accident that happened to a friend. At that time, you think term insurance could have been a vital safety net for his family. As the talk gets serious, you begin to wonder if a small change today could help your family have a better future tomorrow. It's a real-life example that shows us how important it is to plan for the unpredictable. Later that night, over a cup of tea, you talk to a trusted Jio Insurance Broking Limited adviser about enhancing the coverage of your planned term insurance purchase. Add-on benefits can fill in the gaps that standard plans leave. This friendly talk makes you consider how to tailor your safety to cover all possible threats. So, what are the pros of these add-ons? Let's find out!
What does “maternity plan” mean in Health Insurance?
Having a baby is a life-changing experience. However, in today's world, it also comes with a heavy price tag. Right from regular prenatal check-ups to hospitalisation and delivery costs, the financial burden can be overwhelming. This is where maternity health insurance ensures the ultimate financial protection. It covers all your medical bills related to childbirth and newborn care. However, most maternity insurance plans come with a waiting period. This may range from 2 years to 4 years, meaning you cannot purchase a plan and claim its benefits immediately. Hence, if you are looking forward to planning a family, make sure you invest in the right policy early! Let's take a closer look at this!
Understanding Life Insurance: A Beginner's Guide
In today’s time, purchasing a life insurance plan has become a necessity. This makes it important to understand what exactly life insurance is and what kind of benefits you can expect. In a nutshell, life insurance is a legal contract between you and your insurance provider under which your insurance provider pays a sum of money to the appointed beneficiary/ beneficiaries in the event of your unfortunate death while the policy is still active. But there’s more to life insurance plans that you must understand to choose a reliable plan that offers you adequate coverage and comes within your plan budget. Keep reading as we delve into these details for you.
Why Insurance Under 80C is a Smart Investment for Your Future?
Saba and her husband Kamal, parents to 8-year-old twin boys, always believed in planning for the future. When Kamal tragically passed away in a car accident, the road ahead seemed uncertain. What offered some financial security to Saba in such a heartbreaking situation was Kamal’s life insurance plan. The lump sum amount helped her clear her debts, cover funeral expenses, and manage her kids' education during the crisis. This is one of the examples to understand what life insurance does. It helps secure the future of your loved ones and provides them with financial aid when they need it the most. In fact, life insurance is much more than simply a financial cover. Not only can it be a way to save, but it is also a go-to strategy for saving taxes and financial planning. Life insurance under 80C offers an ideal blend of tax savings, savings, returns and risk coverage. Let's try and explore more on how life insurance under 80C is a smart choice for your future.
How To Find Your Lost Two-Wheeler Insurance Documents?
Losing essential papers, especially those concerning your car, can be stressful. Imagine coming home from a long day to find that your two wheeler insurance document is gone. At that moment, anger, doubt, and fear of possible risks all come together. You may wonder how to get these essential papers quickly and safely while keeping your car safe. Every day, many people face the same problems and need solid advice. This piece talks in depth about the steps you need to take to find your lost two-wheeler documents. With clear steps and valuable insights, you'll quickly feel ready to face the problem confidently. We'll talk about everything, from how to call two-wheeler insurance companies to more and also offer additional tips. Read on!
Common Mistakes to Avoid When Purchasing Term Insurance Online
Like many of us, Chandni Singh, a 26-year-old school teacher, also believed that a term insurance policy was the simplest form of life insurance. All you need to do is pick a coverage amount, pay the premium and then sit back. With her computer in front of her, she was all set to buy term insurance when her phone rang. It was her brother, and Chandani told him that she was about to purchase online term insurance just like him.
Understanding Deductibles and Copays
Are you aware how much of your bill will be paid by the insurance company if you are hospitalized or your car meets with an accident? When this question is asked, majority are surprised and they say, “Jo bhi bill hoga, insurance company pay karegi”. But
24×7 Roadside Assistance: A Must-Have Car Insurance Add-On
Imagine driving down a beautiful highway on a sunny summer day, and suddenly, your car stops. Sheena once had a moment like this when she felt lost and worried. She learned that day how valuable extra perks were on top of car insurance. It gave her peace of mind that unplanned accidents are doable and gave her a way out in an emergency. This story helps us remember that safety and peace of mind go together.
Why is it Mandatory to Buy a Bike Insurance Policy in India?
Having a bike in India is not just about having a medium of transportation. It is much more than that. It surely offers convenience and saves time and effort, but it is also a dream come true for many people. Rahul, a 30-year-old Delhite, was able to buy his dream bike after saving for 2 years. Only a few days had passed, when one day, Rahul was enjoying a relaxing ride on his bike when things went bad. A speeding car collided with his bike. Though Rahul was safe, his beloved bike was badly damaged. Thankfully, with his two-wheeler insurance policy, Rahul was quickly able to cover the repair costs and save his dream bike, which otherwise would have been financially crippling.
How Does Car Insurance Work in India?
Car insurance in India is an excellent financial product designed to protect car owners from the unwanted risks and financial liabilities associated with accidents, theft, and natural disasters. It provides a safety net for unforeseen situations leading to hefty bills. Hence, understanding how it works can help you realise that you are protected well enough and can save you from unexpected financial strain. Let’s look at how car insurance works and how you can buy one!
All you need to know about Car Insurance
A policy that covers all the hazards connected to cars is called car insurance. It also goes by the name "Motor Insurance" and offers protection against any monetary losses brought on by accidents, including collisions with other vehicles or objects, theft of the car or its components, damage from water or fire, etc. A car insurance premium varies on various parameters like age of the vehicle, model, make, variant, engine and location.
Why is ‘Comprehensive’ car insurance cost more than ‘Third-Party’ car insurance?
When renewing or buying a new car insurance policy, one question which always comes to our mind is which policy should we buy - comprehensive or third-Party Liability car insurance? Both these policies help us protect our car from associated risks in the
Making understanding of IDV easy for you!
IDV (Insured Declared Value) is the current market value of your vehicle and the maximum amount your insurer will pay in case of theft or total loss. It’s calculated after deducting depreciation from the vehicle's ex-showroom price and plays a key role in determining your insurance premium and claim amount.
Benefits of Car insurance renewal
Car insurance renewal is a must for vehicle owners as it ensures continued protection against financial liabilities arising from accidents, theft, or damage of the vehicle. However, while choosing the right plan for you there are a lot of important factor
Health Insurance Top-Up Plans
Health insurance covers the needs of you and your family during a medical emergency. Imagine you are in a situation where the hospital bills exceed the health insurance cover you have, then you must pay the extra amount from your own funds which can be a huge financial burden for you and your family. Is there a way out of this predicament? There, sure is. You can secure you and your family’s health further by buying top-up plans. Let us deep dive and try to understand what really are these top-up plans in health insurance policies? How do they work? And what are their advantages and disadvantages? Why should you buy a Health Insurance Top-up Plan? In this blog, we will talk about everything related to top-up plans.
Do you have a ‘Corporate Health’ insurance policy’ - Find out if it is enough!
Employees worldwide today look for rewards and benefits beyond just pay cheques. One of the most popular benefits offered by Employers is a Group Health Insurance Policy. While companies are largely known to offer Health Insurance coverage to their employ
Unit Linked Insurance Plan (ULIP)
For a beginner investor, Unit linked Insurance Plan (ULIP) has both protection and investment benefits. ULIPs can be used for life insurance, retirement income and educational costs. When you pay premium in a ULIP, one portion of your investment goes int
Unlocking the Benefits of Electronic Insurance Accounts (E-Insurance)
In an increasingly digital world, managing insurance has become more streamlined and secure with the advent of Electronic Insurance Accounts (E-Insurance). This innovative solution allows policyholders to store their insurance policies electronically, off
Factors to be considered while buying personal accident insurance in India
Health insurance has become a vital aspect of our lives because a medical emergency might occur at any time. One such emergency that can occur without prior notice is an accident. Sadly, if the incidence is severe, the cost of therapy may be expensive. Furthermore, if a person sustains an injury that could leave them incapacitated, it may have an impact on their ability to work and the welfare of their family. Therefore, you can purchase a Personal Accident Insurance Policy to safeguard you and your family from such a circumstance. In the event of an accident that results in death, physical harm, temporary total disability, permanent total disability or permanent partial disability, personal accident insurance provides financial assistance to you and your family. The health insurance provider will provide the designated nominee with 100% of the sum assured in the case of death. Additionally, insurance providers offer benefits for disabilities resulting from accidents, such as loss of eyesight, speech, or limbs.
Everything you need to know about Personal Accident Cover
Regardless of how unpleasant it sounds; unfortunate events cause all happiness to vanish in a couple of seconds. A sudden accident might cause you to suffer from physical agony, emotional stress and financial burdens when you are wanting to enjoy a good and carefree life. In the worst situations, it may result in permanent impairment, serious harm, or even death.
Dos and Don’ts before buying a Bike Insurance policy
Opting for a bike insurance policy isn’t just a legal requirement but a smart way to protect yourself from unexpected financial burdens. However, with so many insurers offering excellent plans, choosing the right policy can feel overwhelming, especially if you are buying insurance for the first time. It all comes down to questioning whether you should opt for third-party liability or go for comprehensive coverage, whether add-ons are worth it, or whether they are just an extra expense. Your choices when buying a bike insurance policy can have major impacts. Hence, it is important to be informed. Let’s walk you through the key dos and don’ts to help you ensure you get the best coverage for your needs.
What are the top reasons why a term plan with return of premium makes sense?
Life can throw unexpected curve balls, and insurance is one of the safest ways to stay protected against it. Life insurance can prepare you for both certainties and uncertainties of life. When it comes to the simplest and purest form of life insurance, term insurance in India is the answer. The policy offers a lump sum death benefit to the beneficiary if the insured passes away during the policy tenure. However, for some people, the fact that a term plan offers no maturity benefit when an insured outlives the policy can be a disadvantage. It often raises the question: why invest in a policy that might not return anything in the end? This is when the term return on premium (ROP) acts as a suitable alternative. Before you plan to buy term insurance, it is crucial to learn all about it.
How to Choose the Right Term Policy?
Life can be unpredictable, but your financial plans don’t have to be. It is crucial to create a safety net for your loved ones to ensure they are comfortable meeting both certainties and uncertainties of life. This is where term insurance comes into the picture. It protects your loved ones even in your absence and requires you to pay minimal premiums. To opt for the highest life insurance coverage for yourself at the least cost, you need to consider Term Insurance Plans, which are pure life insurance plans with no element of savings. To save further costs, you could opt for online term insurance plans. While these policies have multiple benefits, choosing the right one can be quite a task. This is where Jio Insurance Broking steps in to bring the best term life insurance policies to compare and pick what best meets your requirements. Jio Insurance Broking makes it simple to compare plans in detail. With its well-illustrated platform, you can easily explore premium options from various insurers and confidently choose the plan that suits you best.
How Car Insurance Can Protect You During Natural Disasters?
Natural disasters can strike at any time and leave us feeling helpless and vulnerable. However, when it comes to your car, the right insurance is your first line of defence. What if you come back to your car after a dramatic rain only to find it completely submerged or spotting large dents from a sudden hailstorm? What do you do next? This is where a comprehensive car insurance policy truly comes to your rescue. Read on as we discuss the importance of buying insurance and the benefits of having the best car insurance plan.
What are the terms used in bike insurance?
Did the policy document feel like a puzzle when browsing through bike insurance plans? Navigating this maze of terms and conditions can be overwhelming, especially for a newbie. Not everyone is familiar with the jargon or the fine print, and that's okay! Your bike insurance policy has different sections that state various terms and conditions. The insurance executive will likely explain these to you. However, you must do your research as well. While purchasing bike insurance, ask your insurance provider about everything you need help understanding. It helps you make informed and quick decisions in times of need. To prepare your insurance, here is an explanation of some of the most common and essential 2 wheeler insurance terms you must know about. So, continue reading to learn more. Note: The Motor Vehicle Act of 1988 makes it compulsory for all two-wheelers to have a minimum third party bike insurance plan in India. You need to know that a third-party cover offers coverage only to the third-party person or property you cause damage to. Your own vehicle does not receive any coverage.
Top Health Insurance Companies with Best Claim Settlement Ratio
In the wake of India’s rising healthcare expenses, health insurance has become a necessity rather than a luxury. A recent study suggests that India’s health insurance is set to reach a market value of US $ 124.30 billion by 2029, yet many in India delay opting for health insurance.1 Lack of awareness and the confusing nature of finding the right health insurance policy often sets many back. If you also consider buying health insurance a daunting task, let’s understand the tips and methodologies to make it easier.
How to Transfer Your Car Insurance Policy: A Step-by-Step Guide
As much as the idea of buying or selling a car sounds exciting, it comes with responsibilities that go beyond paperwork. And this begins with transferring your car insurance policy. Although it is one of the most important steps, it is often overlooked in the rush to finalise the sale. Just imagine buying a car, only to realise a week later that the insurance isn’t valid in your name or, worse, that an accident claim from the past owner is now your problem! Hence, transferring your car insurance ensures both protection and peace of mind for everyone involved. Let’s discuss how to walk through this process smoothly, making sure that your car’s coverage is legally secure and financially sound.
What are the factors affecting health insurance premiums?
Health insurance is rising in popularity due to the increasing cost of medical expenses. Did you know medical inflation is at an alarming rate of 14% per annum?1 That further makes it crucial for people to purchase a health insurance policy. The purpose of a health insurance plan is to provide you with peace of mind and financial cushion in times of medical needs. You no longer have to stress over arranging liquid funds for medical treatments. Your insurer is there to take care of the bills. Health insurance premiums, however, remain a major concern for anyone who plans to purchase a health plan. Depending on the health insurance provider you choose, the premium may differ. That's because the premium is affected by multiple factors. Let's discuss these for more clarity.
No Claim Bonus in Car Insurance
When it comes to car insurance, most people focus solely on the coverage, premium costs, and add-ons. However, there’s one underrated feature that smart car owners swear by, and that’s the no claim bonus (NCB). This is more than just a discount. You can consider it a reward for being a safe and responsible driver. If you can go an entire policy term without raising a claim, you are entitled to a reduction in your own damage (OD) premium, which can go as high as 50% over time. For Indian drivers, this reward isn’t just a financial per but a chance to drive carefully and maintain their vehicle in good condition. With traffic conditions being unpredictable, NCB in car insurance acts as a silver lining for cautious and proactive drivers. However, the true value of NCB lies in how it accumulates, saves you money, and adapts to your needs, even if you change insurers or sell your vehicle. If you are a car owner looking to reduce your insurance costs while ensuring comprehensive coverage, understanding how NCB works is important. Let’s walk through it in detail!
I'm Healthy - Do I Still Need To Buy Term Life Insurance?
The very purpose of a life insurance plan is to defeat the unpredictability of life! In today's time, life can take unexpected turns at any time. From health illnesses to untimely death, eliminating the uncertainties is not possible. However, you can manage the unforeseen. This is when term insurance can act as a powerful tool. Very often, people ask about the right age to purchase a term insurance plan. Well, putting it straight and simple, there is no right or wrong age to purchase a term plan. That's because life and health cannot be predicted or affirmed. So, it is only wise to start preparing from the very moment you understand its need and importance.
Should You Buy a Super Top-up Health Insurance Policy?
When you buy an insurance plan, there is often a concern in mind about the adequacy of the coverage. Choosing the right coverage becomes all the more crucial when it is about the well-being of your loved ones. When you are planning to buy health insurance for your family, you may always want to opt for higher coverage. However, higher coverage means a higher premium. Have you been wanting to enhance your health insurance coverage but have been constrained by its load on your pocket? Health insurance top-ups can be the ideal solution. Here’s how.
Understanding Bike Insurance Deductible
Owning the bike of your dreams comes with a lot of excitement. However, you must not forget that driving a bike in India requires you to have a two-wheeler insurance policy. Choosing a bike insurance policy becomes simple when you understand all its clauses. Let’s talk about bike insurance deductibles, as they play an important part in your financial planning, as well. Before we get into the details, know that a deductible is the amount you are supposed to pay while settling claims under a bike insurance policy. These deductibles affect how you can claim benefits, so you must understand them clearly.
IDV in Car Insurance
Despite being a car owner, do you sometimes struggle to understand a few car insurance jargon? Well, you are not alone here. An insurance policy document like that of a car insurance has various terminologies. Some of these can be difficult to understand, so you must not hesitate to ask your insurer as many questions as you want. Failing to understand these terms may not be a good sign for any car insurance policyholder. One such term is insured declared value or IDV. IDV may be a completely new term for a first-time insurance buyer. IDV plays a crucial role in car insurance policy, so you must not skip this section. Let's understand how IDV can impact your car insurance policy.
A Step-by-Step Guide to Claiming Zero Depreciation Bike Insurance
For a lot of individuals, having a bike does not simply mean having a vehicle. Instead, for some, it's their dream, and for some, it's their pride. However, taking the responsibility of your bike is equally important as owning one. To ensure that you are following traffic rules, bike owners may invest in standard third-party liability insurance. However, that does not give any security against its protection against damages or unwanted accidents. It is only through a comprehensive policy that you can get coverage of the repair costs that are to be borne in case of an accident. However, did you know that even with comprehensive coverage, the depreciation cost is not included in a claim? This loss is to be borne by you, the bike owner. Worried? Well, don’t be! Zero depreciation bike insurance is the solution for you.
Why is it important to Renew Your Car Insurance Policy on Time?
Last Saturday, Suhani's car insurance expired. Despite repeated reminders from her insurer and her mother, she forgot to renew it. As luck would have it, while pulling her car out of the garage, an auto suddenly sped past. To avoid a collision, Suhani instinctively swerved, and before anyone could react, her car slammed into the side wall. Thankfully, no one was hurt, but her car wasn't as fortunate. She realised, to her dismay, that she had missed her car policy renewal by just two days, a costly oversight. The repair bill was ₹12,000, leaving her with both a lighter wallet and a heavy heart. Sounds sad, right? Well, it is. When you miss a timely renewal, you not only expose yourself to legal implications but also become liable for all the expenses, like repair bills, medical charges, and third-party liabilities. Having car insurance helps you have a safety set in such situations, offering you financial backing and peace of mind. With affordable premiums, you ensure your protection against such risks of costly accidents. Additionally, it is legally mandatory for all car owners to have a car insurance plan according to Section 146 of the Motor Vehicles Act, 1988. Need more reasons to see why you need that car insurance renewal? Well, let's see.
Understanding Different Types of Insurance
Life is unpredictable, and so is everything around us! Whether it is about driving a vehicle on the road, a financial goal for the future, your house, etc., predicting stability is not always possible. The best one can do is be prepared for the unpredictable events in life. While you may not be able to control the event, you can definitely be prepared to fight against the odds. An insurance policy gives you the financial leverage to address these unforeseen events. Finances can play a huge role in anyone's life. A major part of your life depends on finances, and losing a chunk of your savings in dealing with an accident can leave irreversible financial damage. This is when different types of insurance come into play. Read on as we explore different types of insurance and how they can benefit you.
Overview of Health Insurance for Families
A family that stays together gets insured together! So, get a family health insurance plan today! Health insurance plans for families do it all, from making premiums affordable to ensuring comprehensive coverage for your entire family.
Avoid These Common Bike Insurance Renewal Mistakes and Ride with Confidence
Renewing your bike insurance policy online in India offers convenience and efficiency. However, it's essential to be vigilant during the renewal process to avoid common mistakes that could lead to inadequate coverage or financial losses. Here are key mistakes to avoid when renewing your bike insurance online:
Drive Smart, Insure Smarter - Essential Car Insurance Add-ons for Your New Car
You’ve just bought your dream car, fresh off the showroom, gleaming and flawless. While you’re excited to hit the road, have you thought about how to truly protect your high priced possession? In spite of buying car insurance, standard car insurance policies cover the basics, but they often leave gaps that could cost you dearly. This is where car insurance add-ons matter and come to the rescue.
Smart & Secure: How to Choose the Best Term Insurance Online in India
Term insurance is one of the most essential financial tools that provides financial security to your loved ones in case of an unfortunate event. With the increasing digitization of financial services, buying term insurance online has become more convenient, transparent, and cost-effective. However, with numerous insurers offering different plans, selecting the best term insurance can be overwhelming. In this guide, we will help you understand how to choose the best term insurance online in India.
What is IDV in Two-Wheeler Insurance and Why It Matters for Your Policy?
Insured Declared Value (IDV) is a crucial factor to consider when buying a two-wheeler insurance policy. It represents the current market value of your bike and determines the maximum amount you can claim in case of theft or total loss. Understanding IDV helps you make informed decisions when purchasing or renewing your two-wheeler insurance online, ensuring you get the right coverage without overpaying on premiums.
The Ultimate Guide to Understanding Car Insurance Pricing Factors
Car insurance isn’t just about complying with the law—it’s about ensuring peace of mind every time you hit the road. From covering unforeseen damages to protecting you from financial setbacks, the right car insurance policy offers a safety net tailored to your needs. But have you ever wondered why premiums vary so much? Understanding the factors that influence car insurance pricing can help you make smarter choices when you buy, renew or switch to online car insurance from platforms like Jio Insurance Broking.
Smart Biker's Guide: Easy Steps to Buy or Renew Your Bike Insurance Policy Online
In today's fast-paced digital world, purchasing or renewing your bike insurance policy has never been easier. Whether you're a first-time buyer or looking to renew bike insurance online, following a step-by-step approach ensures a seamless experience. Read on to discover how you can secure your ride with ease through Jio Insurance Broking, ensuring comprehensive coverage and hassle-free service.
Surrender Value in Term Insurance: Facts to Know Before Cancelling Your Policy
Term insurance is a fundamental component of financial planning, offering a safety net for families by providing a death benefit to beneficiaries upon the policyholder's demise. Unlike permanent life insurance policies, term insurance is designed to offer pure risk coverage without any investment component. This distinction raises an important question: Does term insurance have a surrender value?
Multi-Year Health Insurance Plans: Secure Your Health and Save Big on Premiums
In today's fast-paced world, securing one's health has become more crucial than ever. With rising medical costs and the unpredictability of health issues, having a robust health insurance plan is essential. Among the various options available, multi-year health insurance plans have gained significant popularity. These plans offer coverage for extended durations, typically ranging from two to five years, providing policyholders with numerous benefits. In this article, we will delve into the top reasons why opting for a multi-year health insurance plan could be a prudent decision.
A Comprehensive Guide to Affordable Term Insurance Online
Term insurance is a fundamental component of financial planning, offering a safety net for families in the event of the policyholder's untimely demise. Its affordability and straightforward structure make it an attractive option for many. This comprehensive guide delves into the nuances of term insurance coverage, the benefits of purchasing term insurance online, and how platforms like Jio Insurance Broking can assist in securing the most suitable term insurance policy for your needs.
How to Choose the Best Health Insurance Plan: A Complete Guide
Choosing the right health insurance plan is a crucial decision that can significantly impact your financial well-being and access to quality healthcare. With numerous health insurance companies in India offering a variety of plans, it's essential to understand how to evaluate and select the best health insurance in India that suits your needs. This article provides a comprehensive guide to help you make an informed choice.
Why Parents Need a Dedicated Health Insurance Plan
Think about the times your parents put your needs above their own. Sacrificing sleep when you were sick, working extra hours to secure your future, ensuring you had the best opportunities, and so much more. But one day, they fall sick, and the roles shift. A simple illness turns into hospital visits, hefty bills, and constant medical tests. You realise that age is catching up. What’s worse? You are not financially prepared. This is where a dedicated health insurance plan for parents becomes a necessity. As they grow older, their medical needs increase. Alongside this, with medical expenses increasing, relying solely on savings may not be the best course of action. That said, let’s take a look at why you need to invest in a parents health insurance plan!
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“The online quote system was simple to use with clear options. The additional options are well laid out and explained on the website, so I knew exactly what I could buy and compare to what I want. Hence renewed my two-wheeler policy online without any trouble. Excellent website”
Chirag Lukka
IT Manager
I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim last month and I was pleasantly surprised with the claim settlement process. It was extremely hassle free and quick.
Abhishek Gupta
Program Manager
Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. Thank You!
Amit Khandewal
Product Manager
“Buying car insurance has never been so easy. It just took me 5 minutes to buy the policy. Very easy and quick. Will recommend it to everyone.”
Dr. Rupa Jha
Operations Manager
“The multiple options from various Insurers under one roof was helpful and gave me the confidence that I am opting for the right product as required. Excellent support provided by your advisor.”
Kunal Sharma
Security Manager
“Renewing my Car insurance from Jio Insurance Broking was a great experience. Overall experience was really good and I was able to complete my transaction in just 5 minutes. I recommend everyone to buy from Jio Insurance Broking Limited.”
Jamnadas Bhalani
Development Manager
“Buying ICICI Lombard car insurance from Jio Insurance Broking is great. It just took me 5 minutes to buy a policy online. Very easy and user friendly. Will recommend it to everyone.”
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Blockchain Developer
“The team handled my renewal query and process very smoothly. They also convinced me to go for a personal cover policy which I am happy to opt for. They are a good asset to the team.”
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IoT Specialist
“Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. THANKS ICICI LOMBARD”
Leena Vaddella
Artificial Intelligence Engineer
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Frequently asked questions (FAQs)
What are the benefits of buying car insurance online?
What are the benefits of buying car insurance online?
One of the main benefits of purchasing auto insurance online is that there is no paperwork or proof required. Additionally, you have a variety of payment alternatives.
How quickly can I buy car insurance policy online?
How quickly can I buy car insurance policy online?
It takes only a few minutes to purchase a car insurance online. Simply enter the necessary information, get quotes as per your needs from multiple insurers and make the payment.A copy of your car insurance will be sent to your email address immediately.
Are offline and online car insurance policies the same?
Are offline and online car insurance policies the same?
Yes, both are same. One of the benefits of online insurance is that the copy of the policy is sent directly to your registered email address after the payment is successfully done.
What happens to my car insurance if I change jobs or locations?
What happens to my car insurance if I change jobs or locations?
The premium may alter based on the city you are moving to, but the policy will essentially stay the same. This is due to the fact that insurance costs vary depending on where an automobile is registered. Typically, metro areas charge a bigger premium than the rest of the nation. Simply notify the insurer about the job/location change to have the information updated. In any case, it is suggested that you update your contact information, including your new phone number and address, which can also be done online.
Jio Insurance Broking Ltd
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
Investor Relations
Annual Return FY 23-24Get Insured
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Email Id
customer.care@jioinsure.inCIN
U67200MH2006PLC165651
Registered office address
1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051
Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.
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