Car Insurance in Agra

According to the Motor Vehicles Act 1988, every Indian car owner must compulsorily insure their vehicles against third-party damage risks. With an increasing number of cars on the roads, the risks of accidents are high.

Car insurance plans can assist you financially to cover losses owing to damages caused by unforeseen incidents. For cities like Agra, car insurances are essential, considering the huge traffic rush and congestion.

If you are looking for a reliable insurance provider in Agra, consider Digit Insurance, one of the trusted motor insurers in India. You can either opt for a third-party car insurance policy or a comprehensive one according to your requirement and budget. Read further for a detailed idea of both the insurance policies.

Following are the car insurance add-ons available in Agra:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Agra is situated on the banks of Yamuna River in the state of Uttar Pradesh. With the beautiful view of the famous Taj Mahal and Fatehpur Sikri, Agra is also famous for a dessert called "petha". It is a developing city with a population of over 16 lakhs. Known for its tourism, this beautiful city is the melting pot of various cultures and heritage. 

Challenges Faced by the Car Owners in Agra

• Accident-Prone Area: The Yamuna Express Highway, connecting Greater Noida with Agra, is an accident-prone area. Around 7000-8000 passengers travel on this 165 km long road every day. According to the official data, this expressway has witnessed more than 357 accidents and 150 deaths in 2019 alone. Most of these accidents are caused due to over speeding and tyre busting.
• Theft: Car theft is one of the major issues in Agra. Police have reported more than 15,000 cases of vehicle theft in the last three years. Due to this increasing number of carjackers, it is very challenging for car owners to drive their vehicles in Agra. 
• Bad Road Condition: The city of the Taj Mahal also suffers from the severe condition of potholes. Due to monsoons, most of the roads get damaged at a largescale and become dangerous for driving. Open manholes on some of the roads can also result in major accidents. 

Being an over-crowded city, it is highly essential to buy car insurance in Agra. Digit Insurance provides certain ways through which you can easily insure your car in Agra. It also enables you to estimate the premium on each policy with the help of a car insurance calculator. 

• Choose from three types of car insurance policies
  • Third-Party Liability Policy: This policy offers cover against any damage caused to the third party in case of a car accident caused by you.  
  • Comprehensive Car Insurance: It protects your car and also the third party against any damages.
  • Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
• Personal Accident Cover: Since Agra is connected to an accident-prone highway, the car owners must opt for a personal accident cover also known as PA Cover. This cover provides financial assistance in case of bodily injuries, permanent disability resulting due to accident, and even death. Hence, to avoid spending your hard-earned money on your medical expenses and secure your family, Digit's personal accident cover can prove to be very beneficial. 

• Avoid Heavy Fines: With the changing laws and heavy penalties, it is compulsory to have third party car insurance in India. If caught driving without any insurance, you'll be fined Rs.2000 for the offence. And, for the subsequent offences, the penalty increases to Rs.4000. In some cases, it can also lead to imprisonment for up to 3 months and suspension of the driving license. To save yourself from paying such hefty fines, Digit's Third-party insurance can help you.

• Comprehensive Policy to Protect Your Car: Car drivers in Agra often face the above-mentioned challenges in their daily lives. To avoid these, a Comprehensive policy is the most suitable choice. It is a complete package that provides coverage against damages to your car and third party liability as well. This policy covers any damages caused due to natural calamities, thefts, fire, accidents, vandalism, and tornado.

• Add-ons Suitable for Agra: To enhance your comprehensive cover, you can include various car insurance add-ons. For example, return to invoice can provide you with compensation in case your car gets stolen. Similarly, Passenger protection cover is an add-on that covers any damages caused to your family and loved ones during a car accident.