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About Car Insurance in Gurgaon

A car insurance policy is mandatory for driving on Indian roads. Regardless of which city you are driving in, you are always required to carry your driving license and insurance documents which include provisions for third party insurance.

Connectivity and Major Roads in Gurgaon

Gurgaon is easily accessible from all regions of India by air, rail, and road. The New Delhi’s Indira Gandhi International Airport (DEL) is 20 mins away from Gurgaon. The IGI is one of the busiest airports in India, which has connectivity to all the major cities - both national and international. On the other hand, the Gurgaon Railway Station (GGN) is situated over 4 km from the city centre and is a major entry point for most travellers.

Also, different regions of NCR such as Noida, Delhi, and Faridabad are well-connected to Gurgaon via highways and expressways. The NH48 is the primary highway route passing through the city, which connects it to the rest of the Indian cities as well.

Popular Car Models in Gurgaon

Some of the popular car models that are commonly seen on Gurgaon roads are as follows -

  • Maruti Suzuki Baleno

  • Skoda Rapid

  • Renault

  • Maruti WagonR

  • Toyota Innova

Preferred Mode of Transport In Gurgaon

Travelling within Gurgaon is quite convenient. You can use the Rapid Metro Gurgaon system to get around places within the city. It is also connected to the Delhi Metro. Gurgaon also has inter-city buses to take you to your desired destination. If you are uncomfortable using public transportation in Gurgaon, you can easily hail taxi services or private car services as well.

Rate of Accidents in Gurgaon

As per the 2018 statistics, Gurgaon recorded the most road accidents in Haryana. However, this number declined by the end of 2019. Authorities have imposed stricter traffic rules in Gurgaon to get the road accident rate under control. The establishment of the New MV Act also contributed towards the decline.

Despite the decreasing rate of accidents in Gurgaon, it is advisable for the people living in the city to have a comprehensive car insurance plan taken beforehand. Having extensive car insurance coverage will protect you and your vehicle in case of any mishap or third-party damages. The reason you should buy car insurance when driving on Gurgaon roads is explained below.

Why Should You Buy Car Insurance in Gurgaon?

Gurgaon is among the fastest growing cities in India and car insurance in Gurgaon is extremely important owing to the high volume of traffic on the roads. Owing to the significant amount of real estate development that is constantly happening in Gurgaon, passage for vehicular movement also tends to be lesser at times. Potholes are also common on the roads, similar to any other city in India. With conditions such as these, accidents are bound to happen.

The best car insurance acts as protection against these cases, and ensures that the driver or owner of the vehicle does not face any inconvenience. When you buy car insurance, make sure to analyse the different benefits that you are getting with it and how cost effective it is for you. Car Insurance, available on Finserv MARKETS, offers add-ons which protect you and your vehicle against natural and man-made disasters, and even 24x7 roadside assistance. You can avail cashless settlement at more than 4,000 garages across the country.

Benefits & Features of Car Insurance in Gurgaon

  • Avoid being penalised:

Since third-party car insurance in Gurgaon is a mandatory requirement for driving on the roads, it is essential for you to get it and carry it. If you do not have car insurance, you can be fined up to Rs. 2,000 or be imprisoned for 3 months; or both. 

  • Ensure financial security:

While the cost of driving without insurance is high, the cost of incurring an accident on the road can be significantly higher. The best car insurance policy will ensure that the financial burden of repairing the car and replacing the damaged parts will not have to be borne by you alone. 

  • Protection for third party:

Since third party liability is a mandatory inclusion within any car insurance policy you purchase, you will be protected in case of any legal eventuality involving any third party in case of an accident with your vehicle. 

  • Reduce medical expenses: 

In case of an accident, damage will be caused not only to your vehicle but can also result in an injury where you would require medical attention and treatment. With a car insurance policy that covers personal accidents, you can ensure that your medical bills are taken care of. 

  • Protection against unexpected calamities:

Natural calamities can hardly ever be predicted, but investing in the best car insurance is a good way to protect against their impact. A car insurance policy which includes protection against both man-made and natural calamities will ensure that your vehicle is covered against such eventualities. 

Also, you can also check the premiums for car insurance plans available on Finserv MARKETS by using the online car insurance premium calculator. The tool not only provides a quote but also allows you to compare quotes offered by insurers in India. Based on the results, you can then choose a car insurance plan that is affordable and fulfils your needs.

How Car Insurance From Finserv MARKETS Protects Your Car in Gurgaon?

Though third-party car insurance is mandatory, the insurer you opt for is an important decision you take after assessing the benefits and features of the plan. When you buy car insurance at Finserv MARKETS, you can avail a vast range of benefits, as listed below.

  • Easy Claim Settlement:

With a Car Insurance at Finserv MARKETS, you can settle your claims quickly. You can simply raise the claim online, share the relevant documents and have your claims settled quickly with the right assistance of Finserv MARKETS. 

  • Customised Offerings:

Car insurance in Gurgaon, offered on Finserv MARKETS, can be customised as per your requirements. While third party coverage is a mandate by the government, your comprehensive car insurance policy can be customised to include a range of add-ons that feature exclusive protection that you and your vehicle require. 

  • Minimal Documentation:

Availing Car Insurance through Finserv MARKETS, requires absolutely minimal documentation. You will be required to submit the basic documents of yourself and your vehicle and you can easily acquire your insurance policy within very little time. 

  • Online Processing: 

The insurance policy offered on Finserv MARKETS is remarkable owing to the increased comfort on buying for consumers. There is no need for you to go anywhere, since you can now easily browse the policy options, express interest, share details and documents, and even avail the policy online.  

  • Quick Policy Renewal:

Policy renewal is an important task that many of us forget to complete until the last moment. With a car insurance plan from Finserv MARKETS, you can now easily have your policy renewed online in a few quick steps. Even if you forget to renew your policy until the last moment, you can get it instantaneously.

How to File Claim Settlements in Gurgaon?

Filing claim settlements under your car insurance is now easier than ever. When you avail a Car Insurance on Finserv MARKETS, you can easily file claims online.

For reimbursement claims, you will be required to submit the original bills and other proof of payment to the insurer. If damage to your vehicle has occurred due to a third party or if there has been a theft of the vehicle, you are required to submit an FIR and submit that to the insurer as well.

FAQs on Car Insurance in Gurgaon

  • ✔️Do I have to make any changes to my car insurance policy if I’m moving to Gurgaon from Hyderabad?

    Yes. If you are shifting to Hyderabad from Gurgaon for more than 12 months, you are required to inform your insurer. Make sure to update your vehicle registration as well in accordance with local norms and inform your insurer of the same.

  • ✔️If I buy a used car in Gurgaon, can I retain the existing car insurance policy?

    No. The car insurance policy needs to be in the name of the vehicle owner. Thus, when you buy a second hand car, you are required to have the insurance policy either transferred to your name or purchase a brand new policy. You can buy car insurance online through Finserv MARKETS, and avail the best add-ons available in the market.

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