About Car Insurance In Kerala 

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 your own vehicle.

Connectivity and Major Roads - Kerala

Kerala has connectivity to other states in India via different modes of transportations. The state has three main airports in Thiruvananthapuram, Kochi, and Kozhikode. The first two serve as international as well as domestic airports; whereas the last one only serves domestic airlines. When it comes to rail-routes, Kerala is connected to all the major cities in India like Mumbai, Delhi, Kolkata, and Chennai. There are over 200 railway stations in Kerala, which connect places within and outside of the state.

The roads in Kerala are in a much-improved condition compared to other states in the country. Kerala is directly connected to some of the neighbouring states such as Karnataka, Tamil Nadu, and Andhra Pradesh. Other than this, the NH 47, NH 17, and NH 49 along with an expanded system of metalled roads connect Kerala to other regions in India. Within the state, buses, tourist taxis, and autos are the main modes of transportation.

Popular Car Models in Kerala

Much like any other state, Kerala has a high-demand for motor vehicles. Some of the popular cars commonly seen in Kerala are as follows -

  • Maruti Suzuki Swift Dzire
  • Maruti Suzuki Baleno
  • Hyundai Grand i10
  • Tata Nexon
  • Honda Amaze

Preferred Mode of Transport

Besides having well-established transportation routes to and from other states in India, Kerala also has a robust intrastate road and rail connectivity. All the railway stations in Kerala connect places within the state. Besides this, the buses, tourist taxis, and autos are the main modes of road transportation in Kerala.

Rate of Accidents

Despite strict measures, the road accident rate in Kerala is significantly rising. A study shows that over 40,000 people were in a road accident in Kerala in 2018. The number is bound to grow by 2020.

So, to get the rising rate of road accidents in Kerala under control, authorities have implemented stricter traffic rules. As per the New MV Act, any person caught violating these regulations will have to pay hefty penalties and/or imprisonment.

For those staying in Kerala, it is important to note that you drive responsibly and follow the traffic rules at all times. Moreover, have a comprehensive car insurance plan to cover your vehicle from any unforeseen damage. You can buy car insurance plans in Kerala at Finserv MARKETS online.

Why Should You Buy Car Insurance In Kerala?

Purchasing vehicle insurance in Kerala if you own a car, can help you stay protected against any unforeseen events as a result of the rainy season. This includes damage to the engine due to entry of water which may lead to a hydrostatic lock. Buying car insurance in Kerala helps you be financially prepared for any damage incurred to it due to an accident, third party, or any other circumstances.

While it is important to buy a third party insurance plan according to the 2019 Motor Vehicles Act for those who own a vehicle, a comprehensive vehicle insurance policy such as the one available on Finserv MARKETS comes with a lot of added advantages.

Benefits Of Getting A Car Insurance In Kerala

There are several car insurance plans in Kerala available on Finserv MARKETS. A few of highlighting benefits of buying car insurance with us are explained as below -

  • Round-The-Clock Assistance:

In case your car experiences a breakdown in the middle of the road at an unexpected time, our team will be available at your service at any time and anywhere.

  • Easy Renewals:

 Just as easy it is to apply for a car insurance plan at Finserv MARKETS online, so is its renewal process.

  • Hassle-Free Claim Settlements:

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

  • Insurance Premium in Instalments:

In case the comprehensive car insurance coverage you want is expensive on your pocket at the moment, you can choose to pay the car insurance premiums on EMI at Finserv MARKETS.

In addition, 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 A Car Insurance From Finserv MARKETS Can Protect Your Car in Kerala

When you buy vehicle insurance in Kerala available on Finserv MARKETS, you are protected against any destruction to your car due to either a natural disaster such as flood, earthquake, landslides, etc. but also theft, riots or any other man-made acts. You can be assured of round-the-clock roadside assistance and more than 4000 network garages all over India, no matter where an emergency strikes while you are travelling.

Not only this, our car insurance plans are enabled with cashless claims that are processed quickly, owing to the high claim settlement ratio of 94% so that you do not have to go through any inconvenience. Easy online application and processing ensures that documentation is minimal and your policy can be renewed as well as claims filed with the click of a finger.

Filing a claim settlement in Kerala

In case you witness a mishap and want to file a claim for any damage incurred to your vehicle, you can easily do so by online registration on the website. Upload the required documents as instructed. Get your car repaired without paying cash at the nearest garage that falls within the network of car insurance in Kerala available on Finserv MARKETS.

Upon verification, the claim is settled directly between the network garage and the insurer. Alternatively, you can also get in touch with a customer executive on the 24X7 toll free number 18002095858. Follow the instructions provided by him or her to successfully complete the claim process for vehicle insurance in Kerala.

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. 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 a car insurance plan in Kerala without a valid driving licence?

    Yes. You can buy a car insurance plan in Kerala without a valid driving licence.

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

    You can claim on your car insurance plan in Kerala at Finserv MARKERS online. 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. 

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