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How Does a Comprehensive Car Insurance Plan Help Urban Vehicle Owners?

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Buying a brand new car is always a memorable incident in a person’s life. If you are about to have this amazing moment in your life, you must be very excited and happy about it. As soon as you get the car, you need to cover it with a car insurance plan, as it helps to keep your precious vehicle safe. Two types of car plans are available - comprehensive car insurance and third-party car insurance. If you live in a city, the former would be better suited for you. Read on to know why.

Reasons Why Comprehensive Car Insurance is Ideal for City Drivers

There are some very logical reasons that tell you just how important it is to have comprehensive coverage for your car, especially when you drive it mainly within the city limits. They are:

1. Accidents

The city roads are congested as there are many vehicles on these roads at all times. Also, traffic congestion is a common feature. In such scenarios, it is not uncommon to find cars getting involved in road accidents. While some road accidents are minor, some are very major and lead to severe damage. People are left injured, and property is damaged.

In such cases, a comprehensive cover comes in handy. You get to pay for the third-party damages, take care of your vehicle's repairs, and pay for the medical bills. Thus, a comprehensive cover proves to be very handy for city drivers.

2. Water damage

Waterlogging is also quite common in the big cities of India. This proves to be a major challenge for vehicle owners who find their cars frequently breaking down. There are more problems like water infestation into the engine, etc.

When you have a comprehensive car plan, you can get the engine protection rider and keep the car’s engine safe. Also, if there is any other type of damage due to flood-like situations, you can use the insurance cover to get your vehicle fixed without having to worry about financial liabilities.

3. Riots

Riots happen from time to time and suddenly break out most often. If you happen to be caught in a riotous situation unwittingly, your car may get damaged. Riot situations turn ugly and dangerous very quickly. Your car may be damaged or completely destroyed by the actions of the rioters.

If this happens, you will be able to make a claim on your comprehensive motor insurance plan and get compensated for the damages. Therefore, this is another important reason you should consider getting this type of coverage when driving in a big city.

4. Theft

There are many reports of car thefts in the big Indian cities every day. While in some cases, entire cars are robbed, in other cases, the components of the cars, such as the tyres, engine, etc., are stolen. This is a common problem that you need to stay safe against.

When you have a comprehensive plan in place, you do not have to worry too much, as thefts and robberies are covered under such a policy. It is a good idea for you to go over the terms and conditions mentioned in the policy brochure to understand the exact scope of coverage, as this will help you make the most effective claim.

5. Trees falling on the car

It cannot be denied that we humans have been very unfair towards Mother Nature. We have done everything from randomly cutting down trees to polluting the earth mercilessly. This is why Mother Nature also shows her wrath from time to time, and we see large trees being uprooted during storms and rains. If such a tree falls on a vehicle, it gets completely crushed. To keep your car protected from any such danger, you need to invest in a comprehensive plan, as these plans offer protection against tree fall damages.

Keeping these points in mind, you should definitely opt for a comprehensive car insurance policy when you buy a car in a big city.

Advantages of Comprehensive Car Insurance

Here are the best advantages you get when you choose a comprehensive cover for your four-wheeler:

1. Inexpensive

The motor insurance industry in India is very well-developed. As a result, we have some of the best car insurance companies that offer the best insurance covers. And since there is a lot of competition, the plans are priced competitively. This gives the customers an advantage, and you get the best plan at the best rate.

Also, it is very easy to compare motor insurance these days. When you compare, it becomes easier for you to find the most economical plan, making the purchase quite inexpensive.

2. Easily available

As stated, there are many comprehensive car insurance plans on offer. All leading auto insurance providers have an impressive digital presence, making it very simple for you to get the policy of your choice. You can do so with the help of a few buttons and that too while comfortably sitting at home. The documentation step is very straightforward, too, and the entire process hardly takes a few minutes, making it extremely quick and convenient for you.

3. Option to add riders

You can only add the riders, which are very handy add-on covers, to a comprehensive car insurance plan. Riders cannot be added to a third-party motor insurance policy. So, when you choose a comprehensive cover, you get the added benefit of being able to attach add-on covers to your motor insurance plan.

These factors indeed make a comprehensive plan the ideal choice for city drivers.

Conclusion

Motor insurance is a modern-day boon that helps vehicle owners in various ways. And with the availability of excellent products such as comprehensive car insurance plans, city drivers benefit immensely. Go ahead and find the ideal cover and keep yourself and your vehicle covered in the best possible manner.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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