Buying Car Insurance Online

[BinnyGrover]

Hello,
I have been getting my car insurance done from an agent for the past 4-5 years. But now I am exploring options of getting the car insurance renewed online.

I have 2 queries regarding this:
1) Is it safe to buy a car insurance online? Will there be any hassles when I file for a claim?
2) I saw a lesser quote when i searched online, Are prices of online insurance better? or my agent was overcharging?

Thanks in advance

[Arjun]

BinnyGrover There are no issues buying car insurance online. The policy is not different from the one you get via an agent. If your service center has direct settlement option with a particular insurer it would work the same way. When you are buying online, please check for the IDV value mentioned in the policy. Most sites put a low IDV value and show a lower policy amount. Though this is valid, in case of total loss, you would be getting only the IDV amount, even if your car's value is higher. Also look into factors like passenger's coverage and zero depreciation(would not be applicable for cars aged more than 4 years). You can compare the prices and options in sites like policybazaar and coverfox. Compare all the features and try to stick to insures who have direct debit with your service center.

[Harsh Agarwal]

Hi Binny, Well there is totally no difference between an Agent and Online. Infact Online websites as broker are there to support you during claim process, where as an agent may or may not. On online platforms you can take more informed decission. You can also try zigwheels.com/insurance

[Shreyans]

Personally, I'd suggest buying insurance from the dealer itself after bargaining as much as you can. If you buy insurance from elsewhere, dealers sometimes create issues in getting the claim passed. Your agent will have to get involved and so will you. It is too much of a hassle. And if in case they dont pass any small little thing, you'll have to bear its cost. If the insurance is officially from the dealer(like a Honda Assure policy for Honda cars), it become's the dealer's responsibilty to get the claim passed. There is no personal involvement. And they don't usually reject anything either. It is worth the extra cost.

[mayanktanwar]

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[Nishu_Rai]

Hello all is there any specific benefit if we opt for digital insurance directly be delivered without any agent?