To buy motor insurance online, you need to have the following documents

  • Proof of Identity (Passport/ Driving License/ Aadhaar/ PAN Card/ Government Issued Photo ID)
  • Proof of Address via Passport/DL/Bank or Post Office Passbook/Government Issued Photo ID
  • Recent Passport size photo
  • Driving License
  • Vehicle Registration Certificate.

The Motor Vehicle Act specifies the rules and regulations regarding driving in India. It is mandatory for all drivers and vehicle owners to own motor vehicle insurance. The basic motor insurance policy must cover the minimum amount of third-party liability coverage to provide for other people involved in accidents or mishaps.

The primary reason to buy a motor vehicle insurance policy is to eliminate the expense that occurs after accidents. In India, the population is rising unruly, and the number of vehicles is also on the rise. To protect against the threats that arise on the road, vehicle insurance is the best solution.

After the amendment in 1988, it is essential to carry various provisions like driver’s license, vehicle registration document, permits, liability coverage, insurance cover, etc., on the road. Failure to fulfil these obligations will lead to fines and penalties worth INR 500 to 25,000 with additional penalties that involve ceasing your documents.

Filing for a vehicle insurance claim isn’t complicated if you choose the right insurance provider. Here are some prerequisites that you must take care of before you claim insurance:
  • Contact your insurer company as soon as you meet with an accident and file an FIR.
  • Get assistance in towing the vehicle to the nearest garage only after securing all the evidence of the accident scene.
  • The network garage will provide you with a quote regarding the estimated cost of repair.
  • You will need that bill to present it to the insurance providers.
  • The insurer will verify the documents and evaluate their authenticity, and only then the claim process can begin.
  • Know that the deductibles and depreciation value can’t be claimed. Only the remaining amount will be paid to you as compensation.
  • After accounting for all this, the process you will have to follow goes like this.

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