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Fiat Car Insurance in India

Fiat cars have been popular in the Indian automobile market for many decades. Although Fiat cars have been discontinued in India, a large number of people still own and use them regularly. If you want to keep your Fiat car financially covered against damages, you should consider getting a Fiat car insurance policy. Though Fiat cars are reliable, you must secure them with comprehensive car insurance to stay protected against accidental damages, natural calamities, theft, etc. Read on to know more about Fiat car insurance prices for various models.

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Fiat Car Insurance

Fiat automobiles have been in the Indian market for many decades. This Italian brand is one of the oldest and most trusted car brands across the globe. Most of their cars are conferred with a 4 or 5-star safety rating. Though Fiat cars are reliable, you must secure your car with an additional belt of car insurance policy to stay protected against accidental damages, natural calamities, theft, etc. In this article, we’ll take a look at Fiat car insurance costs for various models as well as more information you need to know before buying Fiat insurance online.

Fiat Car Insurance Price for Popular Models

If you wish to know the Fiat car insurance price for their various models, you can take a look at the table below:

Popular Fiat Car Models

Ex-Showroom Price

Fuel Type

Estimated Third-Party Premiums~

FY 2022-23

(effective 1* April, 2022)

Fiat Punto

₹4.92 lakh

Diesel

₹3416

Fiat Linea

₹7.16 lakh

Petrol

₹3416

Fiat Avventura

₹7.12 lakh

Diesel

₹3416

Disclaimer: *The ex-showroom prices are for Delhi and are subject to change on the basis of the city.

Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

How to Buy Fiat Car Insurance Online in Just a Few Simple Steps

You can now buy Fiat car insurance online in just a few minutes at Bajaj MARKETS by following the instructions given below:

 

Step 1: Go to the car insurance calculator page.

 

Step 2: Submit your car registration and model details, as well as personal information on the website.

 

Step 3: Check out the Fiat car insurance options that appear on the screen and select a suitable plan.

 

Step 4: Upload the required documents and make the Fiat car insurance premium payment through online means.

 

Step 5: Your Fiat car insurance will be activated and the details will be sent to your registered email account.

Learn How to Renew Fiat Car Insurance Online

If you wish to renew your Fiat car insurance online, you can follow the simple steps given below:

 

Step 1: Visit the car insurance renewal page of any insurance provider’s website.

 

Step 2: Enter your existing Fiat car insurance details along with other required personal information.

 

Step 3: Choose from the available list of Fiat car insurance renewal options.

 

Step 4: Upload all the necessary documents and pay the Fiat car insurance renewal premium.

 

Your Fiat car insurance plan will shortly be renewed.

Read More: Car Insurance Renewal

Why Do You Need Fiat Car Insurance?

Though cars come with safety features, every motor vehicle must be protected with an all-around car insurance policy. Accidental damages, natural or man-made calamities, the chance of theft, etc. are the things you need to stay protected against with the right insurance plan. In the case of Fiat cars, the maintenance and repair costs are quite high and you may end up spending lakhs in case of an accident. So, if you want to have carefree long drives in your Fiat car, an appropriate Fiat insurance policy is a must-have.

Types of Fiat Car Insurance Plans Your Can Choose From

There are two main types of fiat car insurance plans that you should know of:

Third-Party Car Insurance

It is compulsory to have third-party car insurance at the least as per the Motor Vehicles Act, 1988. However, this plan covers third-party damages only. Thus, the premium rates are more affordable. As a car owner, you must note that the coverage is not extended to you or your Fiat car in any unfortunate event.

Comprehensive Car Insurance

A comprehensive car insurance plan, although not mandatory, is the most lucrative option for car owners. It covers third-party liabilities as well as damage to one's own vehicle. You can also extend the scope of this plan with add-on covers. Having comprehensive Fiat insurance ensures that your vehicle is protected against unfortunate events at all times.

What’s Covered Under Fiat Car Insurance?

Inclusions of a comprehensive Fiat car insurance plan have third-party expenses and liabilities as well as losses caused to your own vehicle due to riots, strikes, floods, storms, theft, accidents, etc. However, if you choose to only buy a third-party plan, your coverage will be limited to third-party liabilitie.

What’s Not Covered Under Fiat Car Insurance?

Under Fiat car insurance, your car won't be protected against damages caused due to drunk driving, general wear and tear, giving false information to the insurer, etc.

Use Add-On Covers for Your Fiat Car Insurance

Let us take a look at different add-on covers available under comprehensive Fiat car insurance:

  • Zero Depreciation

With this zero depreciation cover, you can get the full market value of your Fiat car parts in the event of an accident. Under this cover, the loss of value due to depreciation is not taken into account.

  • Return to Invoice

As the name suggests, you can get the full invoice value of your car which is recorded at the time of buying the vehicle in case of theft or complete damage.

  • Roadside Assistance

The roadside assistance cover offers coverage against assistance services required during an unforeseen breakdown of the insured vehicle. It includes services like towing to the nearest garage, on-site repair services, assistance in case of loss of keys, fuel delivery, etc.

  • Key Loss Add-On Cover

Here, the insurer provides coverage for situations wherein the insured loses their Fiat car keys.

Read more: Add-on Covers in Car Insurance

Fiat Car Insurance Claim Process

Fiat car insurance allows for all-around protection in case of unfortunate accidents or car theft. While getting Fiat insurance is the first step to security, the next crucial step is understanding how claims are registered.

Here are the important documents that you will need to claim your Fiat insurance:

  • Fiat car insurance policy document

  • Fiat car details

  • Insurer details

  • Details of the Incident

  • FIR copy in case of theft

  • Original bills and receipts of the vehicle repair

Typically, we’ve two types of Fiat car insurance claims:

Claim Cashless Car Insurance for Fiat Cars

Under cashless claims, you are required to take your damaged Fiat car to a network garage. Upon verification of the insurance policy, your car will be repaired and the insurer will settle the bills with the garage.

Claim Reimbursement for Fiat Cars

Here, you can get your car fixed at your preferred garage, pay the expenses, and raise a reimbursement claim against your policy. Upon claim approval, the settlement amount is transferred to your bank amount (minus the deductible, if applicable).

Read more: Car Insurance Claim Process

Tips to Reduce Fiat Car Insurance Premiums

Here are a few ways to reduce your Fiat motor insurance premium rate:

  • Go for the No Claim Bonus

The No-Claim Bonus for car insurance add-on cover offers a reward for making zero claims during the year and allows you to avail the car insurance at a more feasible rate.

  • Install Anti-Theft Devices

Installing additional safety devices protects your vehicle against the risk of theft, thereby decreasing the possibility of raising an insurance claim. Thus, insurance companies often reward such safety measures by reducing the insurance premium rate.

  • Maintain Your Vehicle

Maintain your car in the best shape to avail insurance at a cheaper rate. The premium amount for old and worn out cars is relatively higher.

  • Avoid Unnecessary Car Modifications

More the features, the higher the car insurance premium! Hence, avoid making unnecessary modifications to your car.

  • Effective Driving

Insurance premiums are often higher for car owners below the age of 25. This is because young adults are not considered to be responsible drivers. Hence, irrespective of your age, check that you drive efficiently. It will also lead to fewer claims, meaning a higher possibility of availing the no-claim bonus cover.

To Conclude

A third-party insurance policy is a must for your Fiat. However, that only covers third-party liabilities and losses during an accident, but what about your own car? Who’s going to cover you for your prized possession? Expenses incurred on repairing your car after an accident could easily amount to ₹20,000 at the least. Such a huge unanticipated loss could distort your finances. Hence, it is best to get extensive coverage that protects you as well as the third party. Buy Fiat insurance in the comfort of your home, any time you please with Bajaj MARKETS. We have devised an easy online application process with zero paperwork. So, head over to the ‘Car Insurance’ page at Bajaj MARKETS and enjoy unending benefits like maximum coverage, quick settlement, and a seamless buying/renewal process.

Check Out Car Insurance Plans Available at Bajaj MARKETS

FAQs on Fiat Car Insurance

  • ✔️Can I increase the IDV of my Fiat car?

    Yes, you can increase the insured declared value (IDV) of your Fiat car by paying a higher premium. However, changing the IDV is not recommended. 

  • ✔️Do I need to have my Fiat car insured?

    Yes, it is mandatory in India to have third-party car insurance to drive legally on Indian roads.

  • ✔️How can I check the price of Fiat insurance in India?

    You can check the price of Fiat insurance using the 'car insurance premium calculator'.

  • ✔️ Is it mandatory to buy comprehensive car insurance?

    No. It is not mandatory to buy comprehensive car insurance, but it is necessary if you wish to keep yourself and your car protected against damages, accidental and otherwise. 

  • ✔️ Why is third-party car insurance cheaper than comprehensive car insurance?

    A comprehensive car insurance policy is more expensive because it covers both third-party liabilities and own damage.

  • ✔️What is the Fiat car price for Linea?

    The ex-showroom price of Fiat Linea is ₹7.16 Lakhs.

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