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Many car owners in Delhi often overlook small but important details when buying insurance. From choosing the cheapest plan without checking coverage to skipping useful add-ons, these common mistakes can lead to bigger problems during claims. If you're planning to buy Car Insurance in Delhi, understanding what to avoid can help you make a smarter choice and avoid unnecessary stress later.
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Car Insurance Car Insurance in Delhi in Delhi Common Mistakes to Common Mistakes to Avoid Before You Buy Avoid Before You Buy
Buying car insurance might seem simple. But in a busy city like Delhi, making the wrong choice can cost you time, money, and peace of mind. Whether you're insuring a new car or renewing an old policy, this guide will help you make smarter decisions. Looking for a quick overview of Car Insurance in Delhi?
1. Ignoring the Fine Print Let’s face it—most of us skip the Terms & Conditions. But here’s the catch: that’s where the surprises hide. Some policies don’t cover engine damage Others might exclude flood-related claims (a big deal in monsoon season) Know the deductibles and exclusions upfront Tip: Always read the policy document or ask the agent to explain it clearly.
2. Choosing the Cheapest Option Blindly We all love saving money. But the cheapest plan might leave you stranded when you need help the most. Low premiums often mean lower coverage Fewer add-ons, limited claim support, or long approval times Instead: Compare policies based on value, not just price. Look for things like: Cashless garages Claim settlement ratio Add-on covers (zero depreciation, engine protection)
3. Skipping Add-On Covers Add-ons aren’t just sales gimmicks. Some can actually save you thousands during an accident or breakdown. Popular and useful add-ons in Delhi: Zero Depreciation Cover: Full claim without reducing car’s value Engine Protection Cover: Great for flood-prone areas like Delhi NCR Roadside Assistance: Must-have for long commutes or night drives
4. Giving Wrong Information on the Application Be honest—especially about: Driving history Past claims Car usage (personal or commercial) Why it matters: Any mismatch can lead to claim rejection. Insurance companies do background checks.
5. Not Checking the Insurer’s Reputation Don’t just go by ads or discounts. Look at: Claim settlement ratio (how often they pay out) Google reviews or IRDAI ratings Customer service response time
6. Missing the Renewal Deadline Expired policy = no coverage + no claim bonus lost. Even a one-day delay can be costly. Quick Fix: Set a reminder or go for auto-renewal options online.
7. Not Using Online Tools Still visiting agents physically? You’re missing out. Online tools help compare multiple plans You get instant quotes, discounts, and paperless policy issuance
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