Zero-Contact Process for Buying and Renewing Car Insurance Policy

The coronavirus pandemic has changed the way the world works. With the best way to control the spread of the virus being social distancing, contactless services have started becoming a norm across industries. A simple way of defining a contactless service is where you do not meet or interact with any other person physically.

Instead, you get all the work done online using a website or a mobile app. Today, there are contactless options across the board. You can order groceries, buy shoes and clothes, and even purchase car insurance online. In this article, we will share the zero-contact process of buying or renewing your car insurance policy.

Zero-Contact Process for Buying/Renewing Car Insurance Online

In India, it is mandatory for all car owners to have insurance for cars. Traditionally, one could purchase a policy by visiting the office of the insurer or through an insurance agent. Both these options involved meeting people and going through a physical paper-based process. However, digitization has changed the way people buy insurance policies.

Today, you can buy insurance online for cars in a contactless manner. You can visit the website or use a mobile app to buy or renew the car insurance policy. Here is a quick look at the zero-contact process for buying or renewing car insurance online.

• Decide the Type of Insurance Policy You Want to Buy

There are two broad categories of car insurance policies available – third-party liability and comprehensive plans. According to the Motor Vehicles Act, 1988, car owners need to mandatorily have a third-party liability cover to drive their vehicles on the road. While comprehensive plans are optional, they offer complete protection from unforeseen circumstances.

Before you buy a car insurance policy, it is important to ensure that you assess your expected use of the vehicle and choose a plan that offers the best protection. There are many providers offering cheap car insurance in India. Ensure that you compare providers and plans carefully.

• Visit the Website of The Insurer

The next step to purchasing a zero-contact car insurance policy is to visit the insurer’s website. You can also download the mobile app if available.

Choose add-ons for your comprehensive car insurance policy

If you have decided to purchase a comprehensive car insurance plan, then you can choose add-on covers to customise it as per your requirements. These covers allow you to create plans that are tailored to your needs. Make sure that you go through the range of add-on covers before signing the dotted line.

• Go Through the Terms of the Policy

Once you have finalised the policy that you want to purchase, make sure that you go through the policy wordings and understand the applicable terms and conditions. This is important as it will allow you to understand the inclusions and exclusions of the policy. You can also get only the quote for car insurance premiums so that you can compare other policies.

• Provide Details

When you are convinced about the policy, provide details about yourself and your vehicle to the insurer. Make sure that these details are correct.

• Make an Online Payment

After providing the details, you can pay the premium via net banking, debit card, credit card, or any other mode offered by the insurer. You will receive an instant acknowledgement, and the coverage starts immediately too.

As you can see, the zero-contact process for buying or renewing car insurance is simple and hassle-free. Also, many insurers offer additional discounts for policies purchased online. Hence, if you plan to buy a car insurance policy, consider buying online. Besides, you can update your car insurance online.

Summing Up

While zero-contact processes were designed to ensure social distancing, the cost-efficiency and ease of use of these processes are making them the preferred choice of customers and insurers. Today, not only buying but also car insurance policy renewal online is available.