There are many difficulties with driving in India. Among the main contributors to road accidents in the nation are bad driving habits of some drivers, open maintenance holes, and poor road conditions. No matter how cautiously you drive, several unfortunate incidents, such as scratches, are beyond your control. Minor accidents like dents or scratches can be easily fixed without spending much money. However, if you have comprehensive car insurance, do minor damages like dents and scratches get covered? If so, what are the consequences of making such claims? Let’s scrutinise it.
Does A Car Insurance Policy Cover Vehicle Scratches?
Car insurance coverage differs depending on the insurer and the policy terms. It is essential to read the policy’s fine print to comprehend inclusions and exclusions and to prevent potential claim denials. The majority of well-known insurers cover dents. However, the insurer will reject your claim if you only have Bajaj Allianz third-party car insurance for your car and no separate own damage coverage. Comprehensive and standalone own damage insurance typically covers scraps and other significant occurrences like theft, irreparable damage, and fire loss. Claims are subject to terms and conditions set forth under the car insurance policy. *
A car scratch will impact your NCB. The No Claim Bonus, or NCB, is a percentage payment for not claiming throughout the policy year. At the time of policy renewal, it is given as a concession on the premium amount. * ##
Your four-wheeler’s scratch is the easiest to repair. A maximum of a few hundred or a few thousand rupees would be required. You would forfeit your accumulated NCB concession if you used your policy for this small expense. *
When claiming insurance for car scratches in India, it is crucial to examine your insurance policy’s terms and conditions thoroughly. While specific policies may offer coverage for minor damages such as scratches, others may not include such provisions. It is advisable to carefully review your policy documentation and consult with your insurance provider to comprehend the coverage options available fully.
To determine how to claim car insurance for car scratches, reach out to your insurance provider and discuss the specific details of your policy. They can guide you on the coverage and the car damage insurance claim process for minor damages like scratches. Remember to support your claim by providing accurate documentation, such as photographs of the scratches and a detailed description of the incident. Claims are subject to terms and conditions set forth under the car insurance policy.*
Ultimately, while it is possible to claim insurance for car scratches in India, the specific coverage and claim procedure will depend on the terms of your insurance policy. It is always recommended to carefully review your policy, seek clarification from your insurance provider, and make an informed decision regarding filing a claim for car scratches. Claims are subject to terms and conditions set forth under the car insurance policy.
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* Standard T&C Apply
## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
