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Ideal Car Insurance Coverage for City Drivers

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City driving can be a hassle. There are so many people and cars on the road that it’s easy to get stressed out when you’re behind the wheel. If you’re not careful, then that stress can lead to an accident. That’s why it’s important to have the right car insurance coverage for city drivers. This blog post will discuss the types of car insurance coverage available and what might be best for you, depending on your needs.

So, let’s get started.

Most Common Threats that Drivers Can Face

Here are the most common threats that drivers can face:

1.  Flooding

Flooding is one of the most common weather-related disasters. If you live in a flood-prone area, then ensure your four-wheeler insurance includes comprehensive coverage.

2.  Accident

Accidents can still happen no matter how good of a driver you are. That’s why it’s crucial to have car insurance that covers you in case of an accident.

3.  Vehicle theft

Car theft is a common crime, especially in large cities. If you live in an area with a high vehicle theft rate, then make sure your car insurance includes comprehensive coverage.

The Add on Covers

a)  Depreciation Cover

A depreciation cover is an add-on that covers your car without considering the fall in the value of your vehicle over time. In India, cars lose much of their value as soon as they are driven out of the showroom. So, if you have purchased a new car and want to insure it for its full value, then you must purchase this add-on.

b) Consumables Cover

This is an add-on cover, which, as the name suggests, covers the wear and tear of your car’s parts due to normal usage. Parts like tyres, batteries, and brake pads have a limited lifespan and will need to be replaced from time to time. Consumables cover protects you from paying for these replacements out of your pocket.

c)  Daily Car Allowance

This is the per-day car allowance your insurance will cover if your car needs to be repaired or replaced. This is important to have because you don’t want to be left without a car in the city.

d)   Engine Protection

This coverage will help pay for the repairs if your car’s engine is damaged.

e)   Roadside Assistance

Roadside assistance is another type of coverage you should consider. This coverage will help you if your car breaks down or you have a flat tire.

The Bottom Line

While it’s a legal requirement to have at least third party insurance coverage, you should consider purchasing comprehensive cover as you can get better financial protection. Comprehensive cover provides cover against own damage as well as third-party liabilities. Hence, it’s the right insurance plan for city drivers. By following these tips, you can make sure you’re getting the ideal car insurance coverage for your needs.

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