Car Insurance - Must remember these things!

Traffic and rising costs of car repair are the indicators of a valuable vehicle insurance. We all usually take good care of our Vehicle. As vehicle insurance is mandatory by law, every vehicle owner must know the features and factors of vehicle insurance premiums.

Features of vehicle insurance:

A comprehensive policy cover is more valuable in addition to a third party liability cover. It is better to check online for insurance providers, as there are many insurance agents approaching you at the first place. Your new car dealer may advice you for an insurance. Insurance is usually expensive from a vehicle dealer. Seek quotes from different insurance companies.

Make sure you read the insurance documents carefully - Car insurance has its own list of frills. Insurance policy includes damage/loss of your vehicle due to natural calamities, theft, accident and terrorist activities. Also covers risk against riots, strikes and loss/damage while in transit. By paying additional premium accessories like music system, air-conditioner, etc can be covered. Vehicle insurance covers only book value of the damaged parts. Premiums are paid by you annually.The insurance company pays for cost of damaged parts which needs to be replaced and the minimum labour cost to repair vehicle. Depreciation for rubber/plastic/nylon parts is calculated at 50%
& 30% in case of fibre glass components.
The insurance doesn't include consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage. Insurance is not valid when vehicle is used outside the geographical area.

Premium determining factors:

The Insurance premium rate depends on model, cubic capacity, area or locality of registration, expected usage in terms of mileage, theft rate, age of vehicle,, safety threat, etc. A new vehicle means higher insurance premiums. Even a good driving record keeps your premium at low rate. Commercial use of your vehicle will push up the premium rates.

Insurance Claim Procedure
In case of accident, following documents are a mandate:

• Proof of insurance policy
• Original and a copy of Registration Book.
• Original and a copy of Driving License of the person driving the vehicle at the time of accident.
• FIR in case of accident involving Third Party Injury or Damage.
• Claim form along with the original estimate of repairs obtained from the workshop.
  

After submitting the documents, the inspector verifies the damaged parts and authenticate the estimate of repairs. The car can be repaired, once the inspection gets done. In case your car is stolen, you need to inform about the theft to the nearest police station and your insurance company immediately.


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"A penny saved is a penny earned” - necessary know-how on PUC Certificate

We all know that PUC is something that we need to get done once we start owning a vehicle. However most of us are completely unaware of the rules and the wake up call is when a traffic cop pulls us aside and asks for a PUC certificate. Traffic cops have been smartly using no PUC certificate to fine drivers and in some cases raise the fines.

Traffline

This post is about providing you the essentials of PUC in Mumbai and Delhi. If you need any more information then please don't hesitate to write us.

Where to get your PUC certificate?

Look for computerized systems near petrol pumps & workshops. To facilitate the process CNG mobile vehicles are available on the road sides.

When to get it done in Delhi

After a year of registration & thereafter every 3 months A check assures us of avoiding FINES 

When to get it done in Mumbai

Every 6 months after a year of registration

Charges in Delhi for PUC Check:                         Charges in Mumbai for PUC check:

2 & 3 wheeler: INR 35                                           2 & 3 wheeler: INR 60

4 Wheeler: INR 45                                                 4 wheeler: INR 80

Diesel Vehicle: INR 60                                           Diesel Vehicle: INR 100

 About us !

At Traffline we help commuters save time and money. Our Real time traffic map equips you with travel time & live feeds on traffic along your route. At present serving for a happy commute in Mumbai, Bangalore and Delhi. If you are in Mumbai, dial 9223111000 for a traffic status check on your route.

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