Insurance for Force Gurkha

Choosing the right insurance plan for Force Gurkha offers a safety net, allowing you to drive without any worries. With insurance coverage to meet your vehicle's specific needs, you can drive with ease as you have the required financial coverage.

From basic liability coverage to a wide range of add-ons to choose from, these plans provide various options to safeguard your vehicle. On Bajaj Markets, you can explore different comprehensive policies. The annual premium for these plans starts from just ₹2,094.

Whether you want to use your Force Gurkha for leisure or commercial purposes, you can choose this vehicle option without a second thought. Here are the variants and the insurance premiums based on the engine specifications:

After finalising the insurer that matches your coverage needs and affordability, you need to apply for the plan. Here are some simple steps you need to follow to get car insurance on Bajaj Markets:

1. Navigate to the ‘Car Insurance Premium Calculator’ page

2. Provide your mobile number, vehicle type, model and make of your car, car number, and registration date

3. Select the type of insurance policy you wish to purchase and consider any additional covers

4. Enter personal information such as your name, email ID, date of birth, and residential address to proceed

5. Add your car’s chassis and engine numbers

6. Include details of your previous car insurance policy, if applicable

7. Double-check all the information you have entered

8. Opt for a suitable payment method to secure your vehicle with car insurance

Even if you are cautious, unforeseen situations can come at any time, leading to financial liabilities. So, getting an insurance plan is always a smart idea. Here are some reasons to get it:

• Comprehensive Coverage

You enjoy extensive coverage for your Force Gurkha car against damage, theft, accidents, etc

• Cashless Claims

Insurance companies partner with numerous garages for convenient cashless repairs, eliminating out-of-pocket expenses

• Quick Claim Settlement

Insurers settle claim requests without any delays in case of any damages with minimal formalities

• Add-On Covers

You can customise your plans and enhance the coverage of your policy with add-ons, such as engine protection, zero depreciation, etc.

• 24x7 Support

A dedicated support team is always there to help you with policy purchases, settlement of claim requests, or renewals

Nowadays, insurance providers offer a wide range of insurance plans based on your needs. Here are the main types of plans:

• Third-Party Liability Only Insurance

This basic and mandatory car insurance plan covers injuries or property damage. It offers coverage for damages caused to a third party due to an accident involving your Force Gurkha. However, this plan does not cover damages to your own vehicle.

• Comprehensive Insurance

These car insurance plans are popular and most commonly chosen ones. These plans cover third-party liability, along with damages to your own vehicle and theft of the insured vehicle. Compared to third-party car insurance, comprehensive insurance offers better features and more coverage.

While the inclusions and exclusions depend on the insurance plan and the provider, here is a brief overview of these features:

To enhance your coverage, you can get add-ons to your basic insurance plan. Here are some add-ons you can include:

• Zero Depreciation Cover: Eliminates the depreciation applied to parts when processing claims

• Roadside Assistance: Offers services such as on-road repairs, towing to garage, etc., if your car breaks down while travelling

• Key and Lock Replacement: Covers the cost of replacing new keys or locks if your vehicle keys are lost, stolen, or damaged

• Engine Protector: Protects engine parts from damage caused by water ingress or leaking lubricating oil

• NCB Protect: Ensures your No Claim Bonus (NCB) remains unaffected even if you file a claim during the policy term

In case you want to request a cashless car insurance claim, here are the steps you must follow:

1. Go to the official website of the insurance company or access the mobile app

2. File a request for an insurance claim on your vehicle

3. Record the claim intimation number for future reference

4. Take your car to a network garage for a cashless claim or any other garage for reimbursement

5. Await inspection of the damages by the surveyor

6. Submit all necessary documents and complete other formalities

In case cashless claims are not a part of your plan or the request cannot go through, you may need to cover the costs. Then, you can get reimbursement from the insurance company. Here are the steps to file for a reimbursement:

1. Inform your insurance company about the accident or damage to your car as soon as possible

2. Take your car to any network garage and get an estimate of the repair costs

3. Pay for the repairs yourself and collect all the repair bills and invoices

4. Submit a filled claim form along with the repair bills, your car's registration certificate, and other documents to the insurer

5. The insurer will process the claim after verifying the documents and reimburse you the repair costs as per your policy coverage

To ensure the claims process is seamless, it is crucial to be aware of the paperwork requirements. While it may vary depending on the insurer’s policies, the following are some of the documents you will need to submit:

• Copy of policy documents

• Duly filled and signed claim form

• Copy of the Registration Certificate (RC)

• Copy of the driving licence of the policyholder

• No Trace Report in case of theft

• RTO transfer papers

• Verified copy of the FIR (First Information Report), if required

• No Objection Certificate and Form 35 in case of active loan

In exchange for the coverage for your car, you need to pay an insurance premium to the insurer. Here are some ways in which you can get an affordable insurance premium:

• Avoid Unnecessary Add-ons

Before including any add-ons to your insurance plan for Force Gurkha, assess the impact of the add-on on your premium.

• Compare Various Policies

Explore various insurers and the plans they offer to choose a plan with the required coverage and affordable premiums.

• Utilise NCB Transfer

You have the option to transfer your No Claim Bonus (NCB) from previous insurance policies to lower your insurance premiums.

• Refrain from Making Modifications

Making extensive modifications to your car may increase the risk for insurers, and it could lead to higher premium costs.

• Increase Voluntary Deductibles

Opt for a higher voluntary deductible to lower your car insurance premium, which reduces the insurer's liability.

• Avoid Claiming for Minor Damages

Pay for minor repairs yourself instead of filing a claim to preserve your No Claim Bonus (NCB) and get a premium discount for every claim-free year.

To ensure the best performance of your Force Gurkha car, here are some tips that you can follow:

• Schedule regular servicing of your car to ensure the overall health of the car

• Monitor and maintain fluid levels, including engine oil, coolant, and brake fluid 

• Test and ensure the proper functioning of lights and electrical components

• Keep tyres inflated to recommended pressure levels

• Check and maintain brakes, including pads, discs, and brake fluid

• Drive responsibly to reduce wear and tear on car components

• Go to a qualified mechanic in case of any issues with the vehicle

Check out the excellent specifications of the car in the following table: