Ad
Car Insurance Buying Guide 2023
Almost all car owners in India purchase automobile insurance as a matter of necessity. In general, people do not compare automobile insurance plans before making a purchase; instead, they focus their choice on affordable premiums. This frequently results in insufficient coverage.
When purchasing a vehicle, auto insurance should be considered equally. Therefore, every owner of a car should be knowledgeable about the different features of auto insurance before making a purchase decision.
If you're buying vehicle insurance for the first time, knowing the details will help you get enough coverage and earn greater benefits.
The following advice will greatly assist you in comparing insurance and selecting the best option.
What kind of car do you drive?
It is crucial to know that insurance providers are skilled at obtaining exact information about the model and brand of every car that exists. Sports vehicles and upscale sedans are more likely to be stolen and sold by parts.
These powerful engines can be very expensive on their own, thus the indemnity coverage for these automobiles will be significantly greater, which will raise the price of auto insurance as a result.
Having third-party insurance is mandatory
All car owners are required to have third-party insurance in accordance with the Indian Motor Vehicles Act and the Indian Road Safety Act. Driving without current insurance is a crime that can result in a large fine. Therefore, be certain that your vehicle is always covered by insurance.
Typically, when buying a new car, the car dealer will only offer third-party insurance coverage. One of the most important things to understand about third-party auto insurance is that it is basic insurance and only covers potential losses to a third party's automobile or property.
It also encompasses physical harm, impairment, and demise. No matter who is driving—you, a member of your family, or someone you hired—a third-party insurance coverage will only pay claims for harm done to the third party.
However, you are not permitted to make a claim for coverage of the harm done to your car under the terms of the third-party insurance policy.
Look for comprehensive coverage
When you compare car insurance online, make sure the policy offers comprehensive coverage. A comprehensive automobile insurance policy offers more coverage than third-party insurance because it includes coverage for both personal injury and third-party liability.
Insurance policies that cover natural as well as man-made calamities such as fires, thefts, riots, rain and storms, etc. is another important benefit.
Comprehensive auto insurance may have a higher premium than third-party insurance, but if you think about the advantages it provides, the higher premium is well worth it.
Insured Declared Value
As a result of a theft or severe damage beyond repair, your insurance company will pay the insured stated value.
Normally, the IDV refers to the maximum amount that an insurer will pay you if an accident causes your car to be totaled. This is not the resale value of the car.
You might be presented with various IDVs by various insurance firms. In order to determine the IDV, you must first determine the car's current market value. When comparing car insurance policies online, make sure the IDV is as close as possible to the market value of the automobile.
Services offered
While the majority of individuals pick auto insurance providers who offer the cheapest premium, you must not make this mistake. If you want to choose the best auto insurance plan, you must consider both the reputation of the insurer and the quality of its services.
Your questions and service requests will be answered quickly and continuously by a reputable insurance provider.
It is one of the best ways to evaluate the quality of services provided by examining user reviews. Also, it is advisable to choose an insurance provider with a high claim settlement percentage.
No Claim Bonus
No Claim Bonus is the compensation insurance companies give to policyholders who do not make any claims during a given year. Your reward for renewing your auto insurance usually comes in the form of a discount.
If the insurance provider has an NCB programme, you must confirm it when comparing auto insurance. Additionally, you need to confirm that the insurance provider includes the NCB in their price.
All insurance companies receive the same NCB discount since IRDAI controls it. As long as you file claims, the NCB will increase every year. When you go five years without making a claim, the NCB will reduce your premium by 50%.
Additional covers
The additional protection supplied by the insurance policy over and above the basic coverage is known as add-on covers or riders. To meet the diverse demands of the population, the majority of insurance firms in India provide a range of supplemental coverages. You can customize your policy and add any additional coverage you choose based on your unique needs.
Roadside assistance, return to invoice coverage, and zero-depreciation coverage is some of the most popular extra protection options. When comparing car insurance policies, seek a company that offers the supplemental coverage you require because not all insurance providers may provide all the coverage you require.
Thanks to the internet, it is now easier than ever to compare auto insurance quotes. With the touch of a mouse, you may request quotes from as many companies as you'd like and then select the best insurance plan and provider for your unique circumstances.
Maruti Brezza’s New Edition ‘Urbano’ to be Out soon: Price and Features Leaked
Follow Us:
2,485 Views
The Brezza Urbano, a new sub-compact SUV variant from Maruti Suzuki, will roll out soon. This new edition will likely follow the concept of the Dream Series seen in models like the Alto K10, Celerio, and S-Presso. The Brezza Urbano will feature 23 customizable accessories valued at up to Rs 1.34 lakh. Expected to have a price slightly over the base model of the Brezza SUV, this new edition aims to provide customers with increased personalization options in Maruti's SUV line-up.
Variants and Pricing
According to leaked details, the Brezza Urbano will offer LXi and VXi trims, with a CNG variant available. The starting price is rumored to be ₹8.49 lakh (ex-showroom), marginally exceeding the current base model. Presently, Brezza prices range from ₹8.34 lakh to ₹14.14 lakh (ex-showroom) for the top model. In the sub-compact SUV segment, the Urbano will compete models like the Tata Nexon, Hyundai Venue, Kia Sonet, and Mahindra XUV300.
Accessories and Features
The Brezza Urbano will offer accessory packs at discounted prices. The LXi variant will include accessories worth over ₹50,000 for just ₹15,000. These features comprise a rear parking camera, touchscreen infotainment system, speakers, front fog lamp kit, skid plates, chrome garnish, body side molding, and wheel arch cladding. For the VXi variant, additional features such as a special dashboard trim, metal sill guards, registration plate frame, and 3D floor mats can be added for ₹3,500 instead of the usual ₹26,149 when bought separately.
Engine Details
Brezza Urbano retains the 1.5-litre petrol engine which delivers 102 bhp of power and 137 Nm of torque and will be paired with both manual and automatic transmissions. This new variant will also be available with a CNG option.
Renault Cars Get Discount of Up to Rs 48,000 This July
If you plan to buy a Renault car this July, you can enjoy significant savings on all three models: Renault Kwid, Renault Kiger, and Renault Triber. The offers include cash discounts, exchange bonuses, and corporate discounts. All offers are valid until the end of July 2024.
Renault Kwid Offers
Offer Type | Amount |
Cash Discount | Up to Rs 15,000 |
Exchange Bonus | Up to Rs 15,000 |
Loyalty Bonus | Up to Rs 10,000 |
Corporate Discount | Up to Rs 8,000 |
Maximum Benefits | Up to Rs 48,000 |
The discounts apply to all variants of the Kwid except for the base-spec RXE variant, which only gets a loyalty bonus of Rs 10,000. Prices for the Renault Kwid range from Rs 4.70 lakh to Rs 6.45 lakh.
Renault Triber Offers
Offer Type | Amount |
Cash Discount | Up to Rs 15,000 |
Exchange Bonus | Up to Rs 15,000 |
Loyalty Bonus | Up to Rs 10,000 |
Corporate Discount | Up to Rs 8,000 |
Maximum Benefits | Up to Rs 48,000 |
The benefits are available across all variants of the Triber sub-4m crossover MPV, except for its base-spec RXE trim, which only offers a loyalty bonus of Rs 10,000. The Renault Triber is priced from Rs 6 lakh to Rs 8.97 lakh.
Renault Kiger Offers
Offer Type | Amount |
Cash Discount | Up to Rs 15,000 |
Exchange Bonus | Up to Rs 15,000 |
Loyalty Bonus | Up to Rs 10,000 |
Corporate Discount | Up to Rs 8,000 |
Maximum Benefits | Up to Rs 48,000 |
The Kiger receives the same benefits as the Kwid and Triber. However, the base-spec RXE variant only offers a loyalty bonus of Rs 10,000. Prices for the Renault Kiger range from Rs 6 lakh to Rs 11.23 lakh.
Additional Notes
- Renault is offering an optional rural discount of Rs 4,000 on all cars, which cannot be combined with the corporate discount.
- Discounts may vary depending on the state and city. Contact your nearest Renault dealership for more details.
- All prices are ex-showroom Delhi.
Jeep India Partners with Hrithik Roshan, Introduces 2024 Wrangler Rubicon SUV
Jeep India has teamed up with Bollywood star Hrithik Roshan, who now serves as both a brand partner and proud owner of the 2024 Jeep Wrangler Rubicon SUV. This stylish SUV made its Indian debut on April 25, priced at ₹71.65 lakh (ex-showroom). The latest model of the Wrangler Rubicon builds upon the facelift version unveiled globally in 2023.
Powered by a robust 2.0-litre turbocharged petrol engine paired with an eight-speed automatic gearbox, the Wrangler Rubicon churns out 268 bhp and 400 Nm of torque. It boasts a host of advanced features such as a 12.3-inch touchscreen, digital instrument cluster, 12-way power-adjustable seats, an Alpine audio system, wireless smartphone connectivity, automatic climate control, and ADAS technology.
Jeep India's choice of Hrithik Roshan as brand ambassador highlights the brand's commitment to a premium lifestyle and adventure. Priyesh Kumar, Brand Director at Jeep India, expressed excitement about Roshan joining their community of Jeep enthusiasts, emphasizing his alignment with their values of pushing boundaries and embracing the unknown.
The 2024 Jeep Wrangler Rubicon has been updated with a refreshed grille, a Gorilla Glass windshield, acoustic front glass, and a noise-canceling cabin. Features like mechanical locking differentials enhance its off-road capabilities, HD Dana rear solid axle, and Rock-Trac transfer case with a 4:1 low ratio.
Hrithik Roshan's passion for luxury cars is well-known, with recent additions including the new Range Rover SUV, Mercedes S-Class, Mercedes-Maybach S-Class, MINI Cooper, and the prestigious Rolls-Royce Ghost, the crown jewel of his collection.
Jeep India's collaboration with Hrithik Roshan marks an exciting chapter, blending automotive excellence with Bollywood glamour in the thriving Indian market.
Yamaha Motor Celebrates 69 Years with Innovations and Community Engagement
Yamaha Motor Co Ltd (YMC) recently marked its 69th Foundation Day with festivities spanning its global network. The renowned Japanese motorcycle manufacturer has been a pioneer in the industry, leading with innovation for nearly seven decades. With a storied racing legacy and a dedication to creating spirited products, Yamaha has captivated motorcycle enthusiasts worldwide.
In India, Yamaha Motor celebrated this milestone with a heartfelt community initiative. Teaming up with the SMILE Foundation, Yamaha’s Blue Streaks riding community embarked on a mission to assist more than 500 underprivileged children across 12 cities. On July 7th, Blue Streaks riders will visit schools supported by the NGO to distribute essential educational supplies like notebooks, pens, and pencils. Additionally, they will conduct sessions on basic road safety, educating children on the importance of wearing helmets, understanding traffic signals, and respecting pedestrian guidelines. This initiative aims to nurture a culture of road safety awareness among youngsters, fostering a responsible future generation.
Beyond community engagement, Yamaha’s celebrations included special events at its dealer network, where customers were treated to cake-cutting ceremonies as a gesture of appreciation for their enduring loyalty. Dealers also highlighted Yamaha’s rich heritage and iconic products introduced over the past 69 years. Meanwhile, Yamaha India organized engaging activities for employees and their families, enhancing the festive spirit.
Eishin Chihana, Chairman of Yamaha Motor India Group of Companies, expressed, “For more than six decades, Yamaha has been synonymous with pure motorcycling joy, earning the trust and admiration of millions. As we commemorate our past achievements, we look forward to a renewed commitment to delivering unparalleled customer experiences through innovative, performance-driven products. Our goal is to create experiences that deeply resonate with our customers.”
Yamaha Motor’s 69th Foundation Day celebrations underscored its enduring legacy of innovation and community support, reinforcing its commitment to enriching lives through exceptional products and meaningful initiatives.
Kia Sonet, Seltos, and Carens Price Hike Up to Rs 27,000 in India
Kia India has announced a price hike for its popular models - Sonet, Seltos, and Carens. The increase ranges up to Rs 27,000, impacting various variants of these models. This here is a comprehensive overview of the new pricing, detailed by the models and variants.
Kia Sonet Price Increase
The Kia Sonet's price rise varies across its petrol and diesel variants. For the 1.2-litre naturally aspirated petrol engine, the HTE variant sees no change, remaining at Rs 8 lakh, while other variants like the HTK (O) and HTK Plus see increases of Rs 10,000 to Rs 12,000. The 1-litre turbocharged petrol engine variants also see increases, with the HTK Plus iMT rising by Rs 16,000 to Rs 10.72 lakh. The 1.5-litre turbo-diesel engine variants have varied increases, with the HTX MT variant seeing the highest increase of Rs 27,000, now priced at Rs 12.37 lakh.
Kia Sonet New Prices
Variant | Engine Type | Old Price | New Price | Increase |
HTE | 1.2L Petrol | 8.00 Lakhs | 8.00 Lakhs | 0 |
HTE (O) | 1.2L Petrol | 8.19 Lakhs | 8.29 Lakhs | 10,000 |
HTK | 1.2L Petrol | 8.89 Lakhs | 9.00 Lakhs | 11,000 |
HTK (O) | 1.2L Petrol | 9.25 Lakhs | 9.37 Lakhs | 12,000 |
HTK Plus | 1.2L Petrol | 10.00 Lakhs | 10.12 Lakhs | 12,000 |
GTX Plus DCT | 1.0L Turbo Petrol | 14.55 Lakhs | 14.71 Lakhs | 16,000 |
X-Line DCT | 1.0L Turbo Petrol | 14.75 Lakhs | 14.92 Lakhs | 17,000 |
HTE MT | 1.5L Diesel | 9.80 Lakhs | 9.80 Lakhs | 0 |
HTE (O) MT | 1.5L Diesel | 10.00 Lakhs | 10.00 Lakhs | 0 |
HTX MT | 1.5L Diesel | 12.10 Lakhs | 12.37 Lakhs | 27,000 |
GTX Plus AT | 1.5L Diesel | 15.55 Lakhs | 15.66 Lakhs | 11,000 |
X-Line AT | 1.5L Diesel | 15.75 Lakhs | 15.77 Lakhs | 2000 |
Kia Seltos Price Increase
The Kia Seltos sees a price hike for both petrol and diesel variants. For the 1.5-litre naturally aspirated petrol engine, the HTE MT variant remains unchanged at Rs 10.90 lakh, while other variants like the HTK MT and HTX CVT see increases of Rs 5,000 to Rs 15,000. The 1.5-litre turbo-petrol engine variants also see changes, with the HTK Plus iMT price rises by Rs 17,000 to Rs 15.62 lakh. Diesel variants see increases up to Rs 19,000, with the HTX MT now priced at Rs 16.96 lakh.
Kia Seltos New Prices
Variant | Engine Type | Old Price | New Price | Increase |
HTE MT | 1.5L Petrol | 10.90 Lakhs | 10.90 Lakhs | 0 |
HTK MT | 1.5L Petrol | 12.24 Lakhs | 12.29 Lakhs | 5,000 |
HTX CVT | 1.5L Petrol | 15.30 Lakhs | 15.45 Lakhs | 15,000 |
HTK Plus iMT | 1.5L Turbo Petrol | 15.45 Lakhs | 15.62 Lakhs | 17,000 |
GTX DCT (New) | 1.5L Turbo Petrol | - | 19.00 Lakhs | - |
HTE MT | 1.5L Diesel | 12.35 Lakhs | 12.41 Lakhs | 6,000 |
HTK MT | 1.5L Diesel | 13.68 Lakhs | 13.80 Lakhs | 12,000 |
HTX MT | 1.5L Diesel | 16.80 Lakhs | 16.96 Lakhs | 16,000 |
HTX AT | 1.5L Diesel | 18.22 Lakhs | 18.39 Lakhs | 17,000 |
GTX Plus (S) AT | 1.5L Diesel | 19.40 Lakhs | 19.40 Lakhs | 0 |
X-Line (S) AT | 1.5L Diesel | 19.65 Lakhs | 19.65 Lakhs | 0 |
Kia Carens Price Increase
The Kia Carens also sees a price hike across its petrol and diesel variants. The 1.5-litre naturally aspirated petrol engine variants see increases between Rs 14,000 to Rs 15,000. The 1.5-litre turbo-petrol engine variants have varied increases, with the Prestige Plus (O) DCT rising by Rs 19,000 to Rs 16.31 lakh. Diesel variants see increases up to Rs 18,000, with the Luxury Plus MT now priced at Rs 18.35 lakh.
Kia Carens New Prices
Variant | Engine Type | Old Price | New Price | Increase |
Premium | 1.5L Petrol | 10.52 Lakhs | 10.52 Lakhs | 0 |
Premium (O) | 1.5L Petrol | 10.92 Lakhs | 11.06 Lakhs | 14,000 |
Prestige | 1.5L Petrol | 11.97 Lakhs | 12.12 Lakhs | 15,000 |
Prestige Plus iMT | 1.5L Turbo Petrol | 15.10 Lakhs | 15.28 Lakhs | 18,000 |
Luxury Plus iMT | 1.5L Turbo Petrol | 17.77 Lakhs | 17.77 Lakhs | 0 |
Prestige Plus (O) DCT | 1.5L Turbo Petrol | 16.12 Lakhs | 16.31 Lakhs | 19,000 |
Luxury Plus AT | 1.5L Turbo Petrol | 18.72 Lakhs | 18.94 Lakhs | 22,000 |
Premium MT | 1.5L Diesel | 12.67 Lakhs | 12.67 Lakhs | 0 |
Premium (O) MT | 1.5L Diesel | 12.92 Lakhs | 13.06 Lakhs | 14,000 |
Prestige MT | 1.5L Diesel | 14.02 Lakhs | 14.15 Lakhs | 13,000 |
Luxury Plus MT | 1.5L Diesel | 18.17 Lakhs | 18.35 Lakhs | 18,000 |
Prestige Plus AT | 1.5L Diesel | 16.27 Lakhs | 16.37 Lakhs | 10,000 |
Luxury Plus AT | 1.5L Diesel | 18.96 Lakhs | 19.05 Lakhs | 9,000 |
The price hike by Kia India affects a wide range of variants across the Sonet, Seltos, and Carens models. The increase primarily impacts mid and top variants, with some base variants remaining unchanged. This adjustment could influence the buyer’s decisions, particularly for those considering diesel and turbo-petrol options.
BMW Motorrad Launches All-New R 12 nineT and R 12 in India
Follow Us:
4,385 Views
Aimed at motorcycle enthusiasts who value classic design, BMW Motorrad has introduced the new R 12 nineT and R 12 in India. These models will be available as Completely Built-up Units (CBU) with deliveries starting from September, 2024. These motorcycles combine the classic boxer engine with modern technology and customizable options to appeal to the riders seeking a distinctive and exciting riding experience. Read till the end to get detailed information about the brand-new R12 series freshly launched by BMW Motorrad.
Design and Features
The R 12 nineT roadster and R 12 cruiser both employ BMW's iconic 1,170 cc 2-cylinder boxer engine, blending neo-retro styling with classic power delivery. These models showcase exemplary craftsmanship with a classic trellis frame, flatly arranged shock absorber, and a revised engine periphery. Both motorcycles come standard with Headlight Pro, Keyless Ride, and multiple Riding Modes.
Price and Availability
Price of the R 12 nineT is Rs 20,90,000, while the R 12 is priced at Rs 19,90,000. The R 12 nineT comes in Blackstorm metallic, Aluminium/Night Black solid paint and International San Remo Green metallic. Available R 12 color schemes include Blackstorm metallic, Avus Silver metallic and Aventurine Red metallic.
Engine and Performance
The R 12 nineT engine delivers 80 kW (109 hp) at 7,000 rpm and 115 Nm torque at 6,500 rpm. The R 12's engine produces 70 kW (95 hp) at 6,500 rpm and 110 Nm torque at 6,000 rpm. Both models feature air/oil-cooled boxer engines, offering powerful and character performance across the range.
Technical Specifications
Both models share a common tubular bridge steel spaceframe, eliminating previous fastenings for reduced weight and a cleaner appearance. The motorcycles feature a 45 mm upside-down telescopic fork, twin disc brakes at the front, and BMW Motorrad ABS Pro as standard. Dynamic Traction Control (DTC), engine drag torque control, and Tyre Pressure Control ensure high driving safety. The standard adaptive Headlight Pro and Keyless Ride system enhance night-time safety and convenience.
Customization and Accessories
BMW offers optional packages such as Hill Start Control Pro, Shift Assistant Pro, heated grips, and cruise control. The Option 719 “Aluminium” Style and Avus Silver metallic paintwork enhance the heritage look. Additionally, a range of original BMW Motorcycle accessories and gears is available for further individualization.
Financial Solutions
BMW Financial Services India provides customized and flexible financial solutions. Customers can get their loans approved before delivery, and all BMW Motorrad bikes come with a three-year, unlimited kilometres warranty, extendable to the fourth and fifth year. Road-Side Assistance ensures prompt services in case of breakdowns and towing situations.
Latest Cars In India
Ad
Upcoming Cars In India
Ad