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Private Car Insurance

If you own a private car, you’re probably among the privileged 8% of India’s population. However, with this prestige and luxury comes the responsibility of paying for unexpected overhead expenses, including the injuries and damage caused if you’re involved in a car accident. This is where private car insurance steps in.

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What is Private Car Insurance, and Why do I Need it?

Private car insurance is a policy that protects you against the expenses incurred in case of a road accident involving the insured vehicle. The financial compensation can range from coverage for personal injury to aid for the third parties involved.

As per the Motor Vehicle Act, having a car insurance policy is mandatory for car owners in India, so opting for a private car coverage is essential to avoid legal hassles and alleviate financial risks in case of untoward incidents.

What does a Private Car Insurance Policy Typically Cover?

If you buy insurance for your private car, here’s what you can expect coverage for:

Personal injury protection, covering for medical expenses incurred to the insured person in case of a car accident
Third-party liability coverage, or financial compensation for third-party injuries/damage
Passenger coverage, offering financial aid to passengers travelling along with the insured in the car
Car damage protection, which compensates for damages to the private car in the face of an accident

What Add-Ons should I Opt for with my Private Car Insurance?

Engine Protection Cover: Typically, basic insurance coverage does not provide compensation for damages caused by water retention in the vehicle’s engine. However, if water does enter a car’s engine, it may damage the vehicle completely. So, it’s always advisable to opt for an engine protection add-on cover.
Zero-depreciation cover: Also called the bumper-to-bumper cover, this add-on coverage ensures that a policyholder doesn’t pay for the depreciation value of the car’s damaged components. Hence, with this add-on, you can directly claim the entire expense incurred due to the accident.

How can Unione Help?

Buying private car insurance may be a confusing process in today’s scenario, with several insurance companies offering such policies. We at Unione make this process hassle-free by understanding your specific insurance requirements, connecting you to the right people, and enlightening you about your best avenues.