How To Buy Family Car Insurance Online?

In India, unlike in Western countries and wealthy sub-continental households, owning a car is primarily a family affair. Individual cars are not usually owned by members of the Indian middle class. They have what is known as a family car. They travel in it as a group, and it is driven by several people. One thing is obligatory whether you own a family car or a car that is primarily used by a single person: car insurance. Vehicles driven on Indian roadways are required by law to be insured with a motor insurance policy. Therefore, to suit the needs of Indian families, most insurance companies categorize insurance plans. In this article, you can read about how you can buy a car insurance policy for your family car. 

What Is Considered As A Family Car?

There is no single definition of a 'Family Car.' It can be thought of as a vehicle that a family uses to travel together. They can use it to visit relatives, go shopping, go on a road trip, and so on. Such vehicles can also be used by different members of the family at different times, depending on their suitability. A Family Car is difficult to classify as a hatchback, sedan, or Sports Utility Vehicle (SUV). A family can have a separate hatchback for the office worker and a large SUV for family outings. A conservative family, on the other hand, might only have one hatchback or sedan. As a result, the utility of a car is used to define its category. 

How To Buy Family Car Insurance?

Purchasing family car insurance is the same as purchasing insurance for your private car. Since the advancement in technology, the internet has played a major role in making all our lives easier. So, buying car insurance for your family car is very simple and can be done within a few minutes online. You can follow the below-mentioned steps to purchase your family car insurance from any store you prefer -

• Compare And Research

When you are purchasing car insurance, you will find yourself in a market that has over hundreds of policies and plans to choose from. Different insurance providers offer different car insurance plans. Therefore, the first thing you need to do before you purchase a family car insurance plan is to note down your requirements and compare different insurance plans. This will help you to arrive at the most suitable family car insurance plan. 

• Check The Details of Your Prefered Policy

Once you narrow down your research to one plan, check the coverage options along with the cost of the car insurance premium. Make sure to check the legitimacy of the insurance provider, the Claim Settlement Ratio and other facilities like the cashless benefit and No Claim Bonus. Pick a plan that offers you optimal coverage at a reasonable price with a simple claim settlement process. 

• Purchasing The Policy

In this step, all you have to do is gather all your details along with the details of your car and visit the official website of your preferred insurance provider. Click on purchase new policy and fill in all the details in the respected spaces. Once you are done providing your details, pick the type of policy and select the add-ons you need. You will then be given a quote which you will have to pay a premium for your car insurance through internet banking/debit card/credit card. 

• Wait For Confirmation

Once the payment is successful, you will be mailed a copy of the car insurance for your family car. Take a copy of the same and keep it in your car at all times. Hence, you have successfully purchased your family car insurance. 

Take Away

While purchasing car insurance is obligatory, it is also essential. Therefore, make sure to compare different car insurance policies and purchase a plan that tends to your needs and drive safely.

Also Read:

How to Cancel A Car Insurance Policy and Receive A Refund? 

All About Car Insurance Frauds In India

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.