Buy Car Insurance Policy Online in Kolkata

Name: Car Insurance in kolkata
Brand: Shriram General Insurance
Rating: 4.6 (1665 reviews)

Car Insurance in Kolkata Overview

Kolkata, formerly called Calcutta, is the capital of West Bengal. It is one of the major cultural, educational, and commercial centres of India. Housing over 1.4 crore people, it is also one of the most populated metropolitan cities in India with a huge vehicular population. To protect your car from the risks posed by rising traffic, obtaining car insurance is important. Explore all about car insurance in Kolkata and the benefits of buying it from Shriram General Insurance.

Car Insurance Plans in Kolkata

Here are the types of insurance plans in Kolkata

Comprehensive Car Insurance Policy

Comprehensive car insurance provides protection for your vehicle against the costs of accidental damage and damages caused by manmade or natural disasters. Expenses for repairing the car are covered by this insurance, as well as compensation in the event of theft. The policy also covers third-party liability. Keeping your safety in mind, Shriram General Insurance offers comprehensive car insurance in Kolkata. It helps to ensure that the vehicle that you own is well protected. You can include add-on covers to enhance the coverage.

Own Damage (OD) Cover

Own Damage Car Insurance provides coverage against accidental damage to your vehicle. This coverage protects your vehicle against damage to your car caused due to natural disasters such as storms, heavy floods, earthquakes, landslides, thunderstorms, etc., as well as man-made disasters. Having insurance ensures that your vehicle is protected from unpredictable events that could require repairs or replacements. However, third-party liability coverage is not included in this type of auto insurance plan.

Third-party Car Insurance Policy

A third-party car insurance policy pays for damage caused to a third party in the event of an accident involving your insured vehicle. According to the Motor Vehicles Act of 1988, this type of car insurance plan is mandatory. The damage can include property damage to a third party and bodily injury to a third party, or death. This policy does not cover damage to your own vehicle.

Benefits of Car Insurance in Kolkata

Here are some key advantages of buying car insurance

Financial Security

Car insurance provides coverage for theft, accident damage and damages due to natural disasters, which eliminates the expense and financial burden of repair and replacement (depending on the policy) you would have to bear otherwise in case of an unforeseeable event.

Avoid Legal Consequences

Being subjected to legal obligations because of third-party liabilities can be quite distressing. You need not worry, though, if you have car insurance. Offering essential coverage and support, it helps navigate difficult circumstances and ensures you can confidently handle legal issues.

Nil Depreciation Cover

Shriram General Insurance offers an optional cover called Zero Depreciation. When your vehicle is damaged in an accident, Shriram Insurance will cover the entire cost of replacing the parts, ensuring that you do not incur any deductions for depreciation, apart from your deductible. With this add-on, you can both maintain the value and condition of your vehicle while minimising your out-of-pocket expenses.

Third-party Liability Coverage

The mandatory third-party car insurance protects you from financial repercussions of injury, death, or property damage caused to a third party by your vehicle.

Peace of Mind

Having car insurance can provide peace of mind by ensuring financial protection against unexpected events, providing confidence when driving, and covering accidents, theft, and other unforeseen circumstances.

How to Buy Car Insurance in Kolkata
Shriram Online Car Insurance Renewal

Shriram General Insurance offers a seamless buying experience and can be completed in a few simple steps.

Go to our website or download My SGI app.

Enter your vehicle details and continue the process.

Select the appropriate insurance plan and optional add-ons for your needs.

Securely pay the premium online to receive your insurance promptly.

Getting your car insurance renewed online is simple with the following steps:

Visit our website or download our MySGI app.

Enter your vehicle's information and complete the necessary renewal steps.

Examine the insurance options and select the one that best meets your needs.

Securely pay the premium online to receive your insurance policy.

Benefits of Car Insurance Add-ons

Car insurance add-ons provide additional benefits and enhanced coverage options to car owners. Some of the key add-on coverage in car insurance benefits include:

Motor Protection Cover

The Motor Protection Cover offers the assistance of an advocate who represents you during police and judicial proceedings in the unfortunate event of a motor accident involving your insured vehicle. This ensures legal support and guidance during challenging times.

Zero Depreciation Cover

There is an add-on cover offered by Shriram General Insurance called Zero Depreciation. When your vehicle is damaged in an accident, Shriram Insurance will cover the entire cost of replacing the parts, so you won't be charged for depreciation apart from deductible. It is a valuable addition, as it helps maintain the value and condition of your vehicle while minimising out-of-pocket expenditures.

Personal Belongings Cover

The Personal Belongings Coverage is an optional add-on offered by Shriram General Insurance. It provides coverage for personal belongings kept inside the insured vehicle in case of loss or damage.

Key Replacement Cover

This policy covers the costs associated with obtaining new keys if you lose your car keys, including replacement keys, key reprogramming, and locksmith costs.

Consumables Cover

It should be noted that consumables such as nuts and bolts are not included in the standards. However, this add-on provides you with full compensation for motor consumables in case of accidental damage.

Roadside Assistance Cover

This add-on provides emergency roadside assistance in the event of a vehicle breakdown. Among other things, it provides emergency fuel and battery jump starts.

Hotel and Transportation Expenses Reimbursement Cover

When your car is being repaired, you will be covered for the costs associated with using hotel accommodation and transportation.

Why Should You Choose Shriram for Your Car Insurance?

Shriram General Insurance offers comprehensive solutions for protecting you against the costs of repairing your car, theft, or damage resulting from natural disasters. Here are some of the benefits of car insurance

Hassle-free Claim Initiation Customers can easily file claims with Shriram because of its user-friendly and simple claims procedure.
Customer Support With timely and individualised assistance, Shriram's committed customer care team can help you with questions or issues related to your car insurance plan. You can call us between 4.00 am and 12.00 am.
Competitive Premium With Shriram General Insurance, you will be able to get affordable car insurance plans without compromising on the quality of your coverage.
Easy policy renewals With Shriram General Insurance, you can renew your policy online quickly. Secure payment gateways are used on both our website and mobile app to process renewal payments quickly. You will be able to access your policy immediately.
Trust and Reliability Shriram General Insurance is backed by the reliable and trusted Shriram Group, making its services reliable and trustworthy.

How to Register a Car Insurance Claim in Kolkata?

To register a car insurance claim and initiate the process with Shriram, follow these steps

Step 01
Step 02
Step 03

Go to the official website or download the MySGI app to access your Shriram account.

Choose the car insurance plan for which you wish to submit a car insurance claim and provide details of the damages.

Upload soft copies of the required paperwork to lodge your claim.

You can also raise a claim against your car insurance policy by contacting us at 1800-300-30000/1800-103-3009. After you file your claim, a member of Shriram's customer service department will get in touch with you. We will assist you through the process of filing a claim for car insurance.

Intimate Claim

Frequently Asked Questions (FAQs)

Here are some of the common questions about car insurance in Kolkata.

Is car insurance a requirement in Kolkata?

Driving without active car insurance may result in legal repercussions and penalties. According to the Motor Vehicles Act, third-party insurance is mandatory in Kolkata. However, you can opt for a comprehensive car insurance plan for better coverage.

What elements should I take into account when choosing car insurance in Kolkata?

When selecting car insurance in Kolkata, consider variables, such as coverage options, premium costs, claim history, client feedback and network of garages for cashless repairs. It's crucial to evaluate your financial situation and unique insurance needs.

Is buying car insurance online better than buying it offline?

While you have the option to buy insurance from an agent or through a branch office in your city, buying insurance online offers unparalleled convenience. You can access the policies you need and enjoy excellent customer service even when you buy insurance online.

List of Cashless Garages in Kolkata

Looking for a cashless garage in Kolkata? Shriram General Insurance has it covered. With their wide network, get the complete list of cashless garages here.

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