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Ride without worries,with our long term two wheeler insurance plan.
Safeguard the health of your loved ones with a wide range of health insurance plans.
Invest in Personal Accident Insurance to safeguard your savings from unexpected medical expenses.
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Comprehensive cover for your car,so you can drive yourself.
Safegaurd the healthof your loved ones with wide-ranging health insurance plans.
Invest in Personal Accident Insurance to safegaurd your savings from unexpected medical expenses.
Secure your joyuos family trips with international travel insurance cover.
When you fulfill your dream of purchasing a car, your next step should be having it insured. An insurance is a shield to protect it from damage, accidents, thefts, etc. Premium rates depend on several factors which vary between insurance companies. Here are some of the factors that determine the premium rate payable on your car insurance policy.
The premium for your vehicle usually depends on its market value. An insured must pay yearly premium depending on the Insured Declared Value (IDV) of the vehicle. So, if you have an expensive vehicle, your premium will be higher. The type of fuel used in the vehicle is also a factor to decide your car premium.
Safety features in vehicles is another factor that impacts the premium. Safety features like GPS tracking, safety airbags, anti-theft devices, etc. can lower the premium. Most insurance companies offer a certain percentage as a deduction on premium, depending on the safety features installed in your vehicle.
The purpose for which you have bought a car is another aspect insurance companies consider while deciding the premium. Usage is differentiated into long distance, short distance, commercial or personal. For commercial usage, the premium is usually higher.
Insurance companies have access to credit history and use it as a factor to decide premium. While buying a car insurance online or otherwise if you have a strong credit score then you may have to pay less in terms of premium. On the other hand, individuals with lower credit score will have to pay a higher premium. Along with credit score, professions to are deciding criteria. And how? If you belong to the sales/ marketing sector, commuting becomes a part of life. In such scenarios, vehicles are used to the maximum. People under these sectors pay a higher yearly premium due to higher risk factors as compared to other jobs.
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