Car Insurance in Kolkata Online |Bajaj MARKETS

Vehicle Insurance in Kolkata - Benefits & Best Plans

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31 May 2022
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About Car Insurance in Kolkata Online - Buy/Renew Policy Online

Owning a four wheeler is still considered a privilege in India, even with the rising number of cars on the roads of the country. This privilege has a responsibility attached with it - that of driving safely and opting for a suitable car insurance policy.

 

If you live in a metropolitan city in India, then selecting a suitable car insurance policy is not merely legal compliance, but also important from the perspective of keeping yourself and your car safe. Consider Kolkata, for instance! It is one of the oldest cities in the country, and one that is as renowned for its Victorian marvels of architecture as its congested roads.

 

The incidents of road accidents and thefts in the city have recorded a consistent rise, which is one of the reasons why you must choose the best car insurance in Kolkata for your vehicle. You can peruse and compare various car insurance policies online and purchase one that you find well suited to your car insurance needs.

What Are The Benefits of Car Insurance?

If you are wondering what the benefits of buying car insurance are, then here are some important benefits:

1. Protection against third-party liabilities

By having an adequate car insurance policy, you can have financial protection against any third-party liabilities arising out of any accidents involving your car. This includes damages to third-party property as well as injuries to third-party persons.

2. Own Damage Cover for your car

If you opt for a comprehensive car insurance policy, then you will get coverage against third-party liabilities as well as damage to your car caused by accidents, natural disasters, man-made calamities, fire, theft, etc.

3. Online purchase of policy

You can purchase four wheeler insurance in Kolkata online. All you have to do is visit the official website of Bajaj MARKETS and select the car insurance policy of your choosing. With the flexibility to make the online payment of your car insurance premium, you can easily buy and renew the policy online. Once you have purchased the policy, it will be delivered to your email address.

4. Cashless Claims

You can select and buy the best car insurance in Kolkata and benefit from cashless claims. If your car gets damaged, you can simply file a cashless claim and have the vehicle repaired at a network garage of your car insurance partner. You do not have to make the payment of the repair expenses since they will be borne by the insurer and directly paid to the network garage.

Best Car Insurance Plans for Kolkata

If you wish to buy car insurance in Kolkata from Bajaj MARKETS, then you can choose from three car insurance providers, which have been listed below.

Criteria

Bajaj Allianz Car Insurance

Acko Car Insurance

HDFC Ergo Car Insurance

Type of Plan

Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive Car Insurance

Insured Declared Value

Shall vary depending on the make and model of the car

Shall vary depending on the make and model of the car

Shall vary depending on the make and model of the car

Coverage

Own Damage Cover, Third-party Liabilities Cover, Personal Accident Cover, etc.

Own Damage Cover, Third-party Liabilities Cover, Personal Accident Cover, etc.

Own Damage Cover, Third-party Liabilities Cover, Personal Accident Cover, etc.

Premium

Shall vary depending on the make, model, and IDV of the car

Shall vary depending on the make, model, and IDV of the car

Shall vary depending on the make, model, and IDV of the car

Personal Accident Cover

Included

Included

Included

No Claim Bonus

Available

Available

Available

Depreciation Add-on Cover

Available

Available

Available

Engine Protect Add-on Cover

Available

Available

Available

Roadside Assistance Add-on Cover

Available

Available

Available

Consumable Expenses Add-on Cover

Not available

Available

Available

Claim Registration Process

Online

Online

Online

Bajaj Allianz Car Insurance offers two types of car insurance plans, that is, Third Party Car Insurance Plan and Comprehensive Car Insurance Plan. The different variants of these plans and a standard plan and their key features have been discussed in the following table.

Type of Bajaj Allianz Car Insurance Plan

Features of the Plan

Third-Party Car Insurance Plan

  • Low coverage

  • Personal Accident Cover

  • Third-party liabilities Cover

  • Low premium

  • 24x7 Roadside Assistance

  • Option to add riders

Comprehensive Plan

  • Extensive coverage

  • Personal Accident Cover

  • Third-party liabilities Cover

  • Depreciation Shield

  • High premium

  • Engine Protection

  • 24x7 Roadside Assistance

  • Option to add riders

Standard Plan

  • Basic coverage

  • Personal Accident Cover

  • Third-party liabilities Cover

  • Basic premium

  • 24x7 Roadside Assistance

  • Option to add riders

Acko Car Insurance also offers two types of car insurance plans, namely, Third-party Car Insurance Plan and Comprehensive Car Insurance Plan. The following table showcases the key features of these plans.

Type of Acko Car Insurance Plan

Features of the Plan

Third-party Car Insurance Plan

  • Low coverage

  • Personal Accident Cover

  • Cover for third-party liabilities

  • Low premium

Comprehensive Car Insurance Plan

  • Extensive coverage

  • Personal Accident Cover

  • Own Damage Cover

  • Third-party liabilities Cover

  • High premium

  • Option to add riders

Similar to the two mentioned above, HDFC ERGO Car Insurance too offers three types of car insurance plans. They are Third-party Car Insurance Plan, Comprehensive Car Insurance Plan and Standalone Own Damage Cover. The following table showcases the key features of these plans-

Type of HDFC ERGO Plan

Features of Plan

Third-Party Insurance

  • Low coverage

  • Personal Accident Cover

  • Third-party Property Damage Cover

  • Coverage for Injury to a Third-party person

 

Comprehensive Car Insurance

  • Extensive coverage

  • Personal Accident Cover

  • Cover against Natural Calamities

  • Coverage for Third-party Liability

  • Theft cover

  • Fire cover

  • Choice of Add-ons

Standalone Own Damage Cover

  • Accident coverage

  • Cover against Natural Calamities

  • Theft cover

  • Choice of Add-ons

 

Car Insurance Network Garages in Kolkata

Bajaj Allianz Car Insurance, HDFC ERGO Car Insurance and Acko Car Insurance have an extensive network of car insurance partner garages in the capital of West Bengal.

 

You can check out the list of the network garages of Bajaj Allianz Car Insurance in Kolkata on this page.

 

https://www.bajajfinservmarkets.in/content/dam/bajajfinserv/brochures/BAGICnetworkcashlessgarage.pdf

 

You can check the list of the HDFC ERGO Car Insurance network garages in Kolkata on this page.

 

https://www.bajajfinservmarkets.in/content/dam/bajajfinserv/brochures/HDFCErgoNetworkgargelist.pdf

To Sum It Up

You can choose the best car insurance in Kolkata and purchase the plan online. While selecting a plan, you must carefully study its features, inclusions, and exclusions. You can visit the Bajaj MARKETS website and choose from the different policies of car insurance in Kolkata to drive tension-free on the road.

Frequently Asked Questions About Car Insurance in Kolkata

  • ✔️What types of car insurance plans are available to be purchased at Bajaj MARKETS?

    You can purchase two types of car insurance plans at Bajaj MARKETS, namely:

    • Third-party Car Insurance Plan

    • Comprehensive Car Insurance Plan

  • ✔️Can I buy car insurance in Kolkata online?

    Yes, you can buy car insurance in Kolkata online by visiting the official website of Bajaj MARKETS. 

  • ✔️Is it mandatory to buy car insurance in Kolkata?

    Yes, the motor laws applicable in India have made it mandatory for all car owners to have at least a valid third-party car insurance policy. However, it is advisable to opt for a comprehensive car insurance policy to have a higher degree of financial protection for your car. 

  • ✔️Can I file a cashless claim on my car insurance plan in Kolkata?

    Yes, you can file a cashless claim on your car insurance in Kolkata. You must visit the official website of Bajaj MARKETS and file the claim. Alternatively, you can also file your car insurance claim through our toll-free number: 1800 209 5858. 

  • ✔️Should I purchase four wheeler insurance in Kolkata?

    Yes, you must opt for the best car insurance plan in Kolkata to have a sufficient degree of financial protection for your car. It is also important for ensuring compliance with the laws prevailing in the country.