Everyone knows that Indian roads are not the safest when it comes to driving a vehicle. So, the first thing you should consider when buying a car is original car insurance. When we talk about original insurance for your car, we mean one that is reliable and can pass all authenticity tests. The best way to get original insurance is by buying car insurance online, where you look into all the insurance details on your own accord. We will also be talking about some additional ways in which you can judge the veracity of your car insurance.
How to go About Motor Vehicle Insurance Verification
Some ways in which you can check the authenticity of your insurance for cars are:
- Buy insurance online for car
Unlike offline transactions, digital payments are secure and swift. Use a cheque, net banking, or credit card to make your purchase. For example, when you buy insurance online for your car, you are aware of the whereabouts of the funds and have access to the transaction’s specifics as well as the beneficiary’s account information. In addition, you will be given the beneficiary’s complete information and evidence of the payment in the event of any future issues.
- Have evidence of your payments
Do not be happy when you hear an inexpensive quote for car insurance; ask for receipts. Make care to obtain and retain the premium payment receipt(s), which serve as payment documentation. With modern digital transactions, you can access your account to review or print the payment confirmation, which serves as the policy statement, or you will get a soft copy via email.
- Try buying your insurance without the help of middlemen
Although many people in India acquire insurance coverage via agents, doing so is no longer a secure option. Numerous fraudulent insurance brokers offer phoney insurance documents and prod consumers to purchase insurance fees in cash. Regardless of the products they offer with a reduced quote for car insurance and greater benefits, don’t fall prey to such dishonest agents. If you wish to purchase insurance through an agent, go to the insurance provider’s official website, read the contract terms, and purchase the policy online if you accept them.
- Check the important details carefully
Make sure the policy document accurately references any key information. Accurate information about your Insured Declared Value or IDV, No Claim Bonus (NCB), and deductibles are required. An insurer offering an extremely low premium is among the simplest ways to spot counterfeit insurance. To lower the premium, the agent could change the NCB and IDV. You need to go through the policy statement very carefully, and if you see that either the NCB or the IDV has been tampered with, you need to get in touch with your insurance provider and modify it.
- Get in touch with your insurance company
This is the fastest and most accurate technique to determine whether your insurance coverage is real or not; however, you need to do it before you can purchase the insurance policy. You can contact the company by calling the toll-free line or emailing the customer service department, both listed on their website or the insurance statement. If these options do not work for you, you might contact the insurance company’s closest branch to receive help. Alternatively, you can contact them via their social media accounts, including their Twitter or Facebook page.
When buying something as important as car insurance, you should be very careful about your product. You should not look for cheap car insurance in India; you should look for a policy that gives you comprehensive coverage at cost-effective rates. Read the fine print and be involved in the process of buying the policy so that you are not left stranded later on when you need to use insurance for your car.