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Car Insurance in Kerala

Kerala is fondly known as God’s own country and has a great infrastructure, but road accidents can happen anytime, unannounced. A car insurance is an important financial instrument to safeguard your precious vehicle from third-party liabilities and damages to your own car. Moreover, it is also mandated by the law.

 

While a third-party car insurance in Kerala can help you meet the basic legal requirements, it will not protect you in case of floods and rain related damages that are common in the state. For this, you should opt for comprehensive insurance. Bajaj Markets is your one-stop shop for all your car insurance needs, where you can browse and compare plans before choosing one.

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The state of Kerala is famous for its serene backwaters and lush greenery and is aptly referred to as God’s own country. Situated near the coast of the Arabian sea and the Bay of Bengal, the state also witnesses an extended rainy season from June to the end of the year. As the monsoon brings respite from the summer heat, it also makes commuting on the roads a nightmare, especially in times of flooding and heavy rains. Waterlogging, open potholes and slippery roads pose a danger to driving on the road, especially if you own a vehicle. Moreover, the road accident rate in Kerala is significantly rising. So, if you own a car here, purchasing car insurance in Kerala can help you protect your vehicle financially against any unforeseen events such as floods, accidents, etc. In this article, we shall discuss the various Kerala vehicle insurance details. Let’s get started.

Best Car Insurance in Kerala

If you want to buy vehicle insurance in Kerala or want to know about the car insurance prices in Kerala, you can refer to the following table that gives you the details of some of the best car insurance plans in Kerala that are available on Bajaj MARKETS:

 

Bajaj Allianz General Insurance Co

Acko General Insurance Ltd

HDFC Ergo General Ltd

Type of Coverage

  • Third-party car insurance

  • Comprehensive car insurance

  • Third-party car insurance

  • Comprehensive car insurance

  • Third-party car insurance

  • Comprehensive car insurance

No. of Network Garages

4,000+

100% cashless garages

7,900+

Claim Settlement Ratio

88.83%

83.91%

91.23%

Additional Covers

Premium Amount (- + GST, effective 1st April 2022)

Starting at ₹2,072

Starting at ₹2,072

Starting at ₹2,072

How to Buy Car Insurance Online in Kerala?

 

Here are the simple steps you can follow to apply for Jaguar car insurance online on Bajaj MARKETS:

 

Step 1: Head to the ‘car insurance premium calculator’ page.

Step 2: Fill and submit the application form online.

Step 3: You will receive a quote for approval.

Step 4: Upload the requested documents for verification and proceed to pay online.

Step 5: Upon successful payment, you will receive the car insurance through email.

 

Benefits Of Buying a Car Insurance

You may be a very careful driver; however, risks are always involved when you are behind the wheel. Also, the road accident statistics in Kerala are not entirely pleasing. According to data shared by Kerala Police, the number of road accidents in a year is constantly rising, with over 33,000 accidents in the year 2021. Any loss or damage caused to your car while driving in Kerala can take a financial toll on you. Hence, it is essential to buy insurance for your car in Kerala beforehand.

Read on to know more about the benefits of a comprehensive car insurance in Kerala:

  • Financial Security


A vehicle insurance in Kerala will provide you with the necessary financial protection in the event of any damages caused to your car due to unforeseen events like accidents, thefts, natural and man-made disasters, etc.

  • Hassle-Free Claim Settlements


The car insurance claim process is simple and hassle-free. In fact, with a comprehensive car insurance in Kerala, you can also avail cashless claim settlements at any of the network garages.

  • Third-Party Liability Coverage


A car insurance plan will provide coverage for third-party liabilities like property damages, injuries, or death that may be caused due to your insured car.

Network Garages in Kerala

As we discussed above, a comprehensive car insurance allows you to avail the cashless claims facility at any network garage. To claim this facility in Kerala, you need to take your damaged car to any nearest network garage in the state and get it repaired. Your insurance provider will settle the repair bills directly with the garage. However, if the repair expenses exceed your coverage amount, you will have to bear the difference amount.

To check the list of network garages in Kerala that are associated with our car insurance partners, follow the links below-

  • Bajaj Allianz General Insurance

  • Acko General Insurance

  • HDFC ERGO General Insurance

Wrapping up

If you are a car owner in Kerala, remember to secure your car with adequate car insurance. This will keep you financially protected in the event of any destruction to your vehicle due to either natural disasters, theft, riots, or any other man-made acts. So, if you are looking to buy a car insurance in Kerala, use the online car insurance calculator on Bajaj MARKETS to compare different car insurance plans and buy one that suits your requirements.

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FAQs on Car Insurance in Kerala

✔️How can I calculate the claim for a total flood affected car in Kerala?


If your car has suffered constructive total loss, you will be paid the insured declared value (IDV). For other damages, you can get your car repaired at the nearest garage in Kerala without paying any cash. Claims will be settled directly between the garage and the insurance company.

✔️My car has been submerged in floods for a day. I disconnected the battery and sealed the exhaust and air intakes prior to it being submerged. What should I do now?


Take your car to the nearest network garage once the rain subsides and the water is below the dashboard. Also, check your insurance policy documents for the list of calamities covered.

✔️Can I get car insurance online in Kerala without a valid driving licence?

Yes, you can buy a car insurance plan in Kerala online without a valid driving licence.

✔️How to make a claim on a car insurance policy in Kerala?


You can claim your car insurance in Kerala online at Bajaj MARKETS. All you have to do is register your claim online along with the supporting documents. The insurer will assess your claim application and make a decision.

✔️What is the car insurance price in Kerala?

 You can use the car insurance premium calculator to get the car insurance rate in Kerala.

✔️How can I buy vehicle insurance online in Kerala?

 You can visit the Bajaj MARKETS official website or download our insurance app to buy vehicle insurance online in Kerala.

✔️Is online vehicle insurance renewal in Kerala possible?

Yes, you can renew your car insurance online in Kerala through your insurance provider’s website.