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    Near B.K Institute Patna

Car Insurance

Manglam Motor Car Insurance

Manglam Motors has 5+ years of experience with providing Best Car Insurance
area of specialty services works listed below

Car Insurance

Car Insurance is a sort of motor coverage that protects an automobile from any unavoidable risks which can cause economic losses. It is a risk-sharing agreement among the motor coverage agency and the auto proprietor wherein the previous guarantees to pay for the repairs/ alternative of the auto in trade for a premium. An automobile coverage offers insurance in opposition to any dangers or risks bobbing up out of accidents, 0.33 birthday celebration liabilities, theft, artificial calamities, fire, herbal hazards, etc. ensuing in damages or lack of the automobile..

Why Should You Buy Car Insurance Policy?

Buying a Car Insurance Policy is mandatory in India as per the Motor Vehicle Act 1988. Car insurance companies compensate for the loss or damage caused to the insured vehicle and a third-party from the insured four-wheeler.

  • ICAT certified from Government.
  • Bank finance Available.
  • 1 Year warrenty.
  • easy registration.

Types of Car Insurance Policy in India

There are 3 types of car insurance policy that are available in India –

Comprehensive Car Insurance
A comprehensive car insurance policy provides coverage for third party liability as well as damages caused to your own car. In comparison with third party liability car insurance, a comprehensive four wheeler insurance policy offers extensive coverage, more benefits and covers the damages caused to the insured car in case of an accident, collision, theft, etc.
Third Party Car Insurance
Third party car insurance safeguards you from any legal liability due to your own car’s involvement in an accident. Your insurance provider will compensate you for death, disability, injury, or property damage to any third-party. Therefore, you are protected from the financial liability towards the third-party.
Pay as You Drive Insurance
Also known as usage-based motor insurance, this insurance policy allows the insured to pay the insurance premiums as per the kilometers driven. This newly introduced product likely to be helpful for those with multiple cars not all of which are used so frequently. As per the IRDA guidelines under the Sandbox project, a few insurers such as Bharti AXA, Bajaj Allianz have started offering Pay As You Drive insurance policy. The policy offers comprehensive coverage for own damage and third-party liability on a pilot basis for a term of one year. The policy seeker will have to declare the distance he/she expects to travel during a policy year and based on that premiums for Pay As You Drive policy will be decided. However, the insurers have come up with 3 slabs for distance covered -Rs 2,500 km, 5,000 km and 7,500 km.
  • Benefits
  • Points Consider in Policy
  • Not Covered in Policy
  • Buy Insurance

It is not only because of the law but for the benefit of your vehicle, it is good to get it insured. Whether you purchase a new car or old second-hand vehicle, its insurance is needed always. A third-party car insurance policy provides protection against liabilities (legal and financial) towards a third-party.

However, you can buy a comprehensive cover as well that not only provides third-party coverage but protects your vehicle against damage or loss. Here are a few benefits of having a car insurance policy:


Personal Accident Cover: A comprehensive car insurance policy not only provides third-party cover but as well as offers cover against personal accident. In personal accident cover, you get a pre-defined amount against death because of the accident and permanent total disability. In addition to this, one can purchase this cover for co-passengers as well even on an unnamed basis, which will be maximum as per the seating capacity of the vehicle. However, the amount of coverage is pre-determined even in this case.
Loss or Damage of the Insured Vehicle :: A comprehensive car insurance policy provides coverage against damage or loss to your car. Reasons for damage like fire, accident, or self-ignition are covered in this plan. In addition to this, if the car faces losses because of theft, burglary, terrorism, riots, then also an insurance policy covers it. Moreover, it also covers loss or damage occurred due to transit via train, air, road, inland waterways, or lift.
Vast Network of Garages : : Most of the car insurance providers have a wide range of network garages that are spread across the country. This feature ensures that you can get the service of your car anywhere in India.
No Claim Bonus : : One of the best benefits of having a car insurance policy is its No Claim Bonus (NCB) feature. You are eligible to avail of this offer for each claim-free year. The NCB is available as a discount on the next premium and this makes car insurance policy comparatively more affordable.
Liabilities of Third-Party : : If your car meets with an accident and causes loss or damage to the property of a third-party, then do not worry as it is covered under car insurance policy. Moreover, if you come across any legal liabilities because of an accident by your car like death or injury to any person or property, then do not worry, your car insurance provides you coverage for the same.
What’s Covered in Car Insurance Policy

The car insurance policy covers the following:

  • Loss or damage to the insured vehicle.
  • Loss or damage to your vehicle caused by accident, theft, fire, explosion, self-ignition, lightning, riots, strikes or act of terrorism, natural calamities.
  • Financial liability caused by the injury/death of a third party or damage to the property.
  • Personal accidental insurance cover.

What is covered : - Checkout the inclusions and exclusions of both third party insurance and comprehensive vehicle insurance policy. Only buy third party insurance if you can bear your own damage expenses.
Compare Car Insurance Online : - Compare car insurance online and select the one that meets most of your financial expectations. You can easily get multiple four wheeler insurance quotes online from the best car insurance companies in India.Incurred Claim Ratio - Higher ICR, indicate satisfied customers and more the chances of your claim being settled.
Add-on Covers : - It is always recommended to buy a comprehensive car insurance policy with additional benefits like roadside assistance, zero depreciation, flat tyre assistance, etc.
Following features are usually not covered in car insurance policy:
  • Loss or damage if a policy is not in force.
  • Gradual wear and tear of car and its parts.
  • Loss or damage to the vehicle when driven by a person without a valid driving license.
  • Loss or damage to the vehicle as a result of intoxication due to drugs, alcohol etc.
  • Loss or damage to the engine as a result of oil leakage.
  • Loss or damage to the vehicle as a result of abuse of car manufacturer's guidelines.

Benefits of Buying Online Car Insurance Policy

Buying online car insurance policy is a common practice today. With the buying of car insurance policy online, you can insure your car against any damage due to an accident, theft, fire etc. You can buy online car insurance within 2 minutes. If you are wondering why most people prefer to purchase four wheeler insurance online, check out its benefits below:


  • No More Agents : Offline purchase of insurance policies involve agents who try to sell their own product rather than suggesting you a better policy from another insurance provider. Online purchase of new car insurance will eliminate such agents and you can buy the best policy after comparing various plans offered by different insurance companies.
  • Zero Paperwork : Another benefit of buying four wheeler insurance policy online is zero paperwork. Contrary to the offline mode which requires you to fill multiple forms, the online mode allows you to fill up all the forms online. You can also upload the required documents online making the application process digital and free of any paperwork.
  • Convenient & Saves Time : As compared to the offline modes, buying 4 wheeler insurance online is very convenient. You don’t have to visit to a branch of the insurance company or take out time to meet the agent. You can get your car insured from the comforts of your home, hence, saving a lot of time and efforts.
  • Payment Reminders : Missing policy payments or renewals can cost you a great deal. Not only will you lose out on the renewal discounts but also have a break in policy. But if you purchase your car insurance policy online, you will receive timely reminders ahead of your due date ensuring that you do not miss out on the payments.
  • Cashless Facility : Buying 4 wheeler insurance online offers cashless facility and involves zero cash transaction. You can make payment of your insurance premium online through online modes such as debit card, credit card and internet banking.
  • Easy Comparison : With the online purchase of four wheeler insurance, you can easily compare the plans offered by different companies. Online aggregators allow you to compare the coverage and the premium quotes provided in different plans before selecting an ideal insurance policy for your car.
  • More Cost-Effective : Buying insurance policy online is more economical as you save a lot of in-between costs. Your premium reduces due to elimination of agents, zero paperwork and you get discounts that further reduce the amount of premium you pay.
  • Easy Endorsements : Endorsement refers to any changes in the information provided in the policy document. in case of online endorsements, you just have to give a self-declaration as opposed to the filling up the endorsement form manually and submitting all the documents.
  • Soft Copy of the Document : Another benefit of applying for car insurance online is that you have a soft copy of your policy document in your email. This makes it easy for you to access it from any place without the need to carry a hard copy with you.

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