Car Insurance in Coimbatore

Coimbatore is one of the major metropolitan cities in Tamil Nadu. If you are a private car owner in such a city, having a car insurance policy is necessary. It will make sure that you have financial coverage against any losses that you may incur due to any accident or other damages.

Furthermore, the Motor Vehicles Act of 1988 makes it mandatory for every vehicle owner to purchase at least a third-party insurance cover. When you are looking for a car insurance policy, there are many reputed policy providers that you can choose from. Digit is a great option in this regard.

Coimbatore, known as the “Manchester of South India,” stands out for its vibrant Kongu Vellala Gounder community and rich cultural diversity. A cosmopolitan hub, it blends traditional dance, music, temple architecture, and cuisine. With a population of 16 lakhs and a high vehicle-to-population ratio, the city boasts robust public transport and a municipal vehicle tracking system to manage traffic efficiently.

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

• 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

Known mostly as “Manchester of South India,” people know Coimbatore for its Kongu Vellala Gounder community.  When compared to some of the high-end metropolitan cities in India, Coimbatore has its own sense of uniqueness. It is one major cosmopolitan city in India with a culture, often known for its diversity. The diverse population actually resulted in a unique blend and it is one traditional city, which is a must-visit in your list.

The traditional dance forms, music and all other art forms are well associated with Coimbatore, making it a place where you get to find a unique cultural blend of food to temple architecture and more. This city has a high-end population of Hindus with small groups of Muslim, Sikhs, Jains and Christians. 

Right now, it has a population of 16 lakhs, which is not likely to stop soon. This city comprises of a high-end vehicle to population ratio. Not just private vehicles, but Coimbatore is well-communicated with various public transport services like buses, taxis and cab services, and more. The City Municipality has its own vehicle tracking system because of the ever-growing number of vehicles on the road.

Challenges Car Owners Face in Coimbatore:

• The Growing Number of Cars: Inspectors are trying hard and low to regulate traffic in some of the congested parts of the city but in vain. As the population is rising at a steady scale, the numbers of public and private transportation have grown to a quality level. So, traffic jams are way too common these days, alongside road accidents. People have to wait for hours during peak office hours to get to their locations.
• Unpredictable Weather Conditions: Coimbatore is a tropical dry and wet climate with monsoon becoming a heavy-duty season here. This part of South India is known to house heavy-duty rain, making the roads bad. Generally speaking, the roads in Coimbatore are not in good shape and adding heavy downpour is making it worse.  Moreover, some reports have predicted disasters like tsunami and floods, which are signs of huge natural calamities, that can hit the city. So, there is no better time than now to get your cars insured.
• Theft: Recently, in the month of October 2019, news came into page front where Chettipalayam police recovered stolen vehicles from various parts of the city. Not just smaller private cars, but there have been reports of truck theft from the same city as well, where GPS helped police to trace the vehicles and arrest gang members.
• Frequent Road Accidents: Road safety remains a major concern for car owners in Coimbatore. Factors like road encroachments and illegal parking significantly contribute to these alarming numbers. In such a high-risk environment, having a car insurance policy with Personal Accident (PA) cover is essential. Additionally, a separate health insurance plan can provide broader medical coverage, ensuring you're financially protected not just from accident-related injuries but also from other unexpected health emergencies.

All these issues are not likely to stop too soon. So, your only way is to take protective measures from your side and the best way to protect your expensive vehicle is going through car insurance. The insurance protects the car from the damage and dents with the full coverage. In this regard, Digit’s car insurance online policy might just be the best choice!

Choose What You Like: Digit General Insurance offers three types of car insurance in Coimbatore:

• Third Party Car Insurance: This insurance pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party. Also with this mandatory insurance, you can drive on Indian roads legally without paying fines.
• Comprehensive Car Insurance: ​This policy pays you for damage to your own car caused in any accident, natural or man-made catastrophe along with the third-party liability. This is customizable with available add-ons to broaden the coverage.
• 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.

Check: Use Car Insurance Calculator to get the car insurance quotes.

• Fast Claims with Cashless Repairs: Digit is known to settle around 96% of all claims for the private cars in Coimbatore. With the increasing number of accidents and growing population, there ought to be issues with maintenance. Hence, Digit Insurance ensures that there are over 1400+ cashless network garages available just for you to take help from across India. Digit Insurance provides doorstep pickup services for car repairs in Coimbatore.

• Maximize Your Cover for Coimbatore with Add-ons: You can choose add-ons if you have a comprehensive policy. These add-ons will increase the scope of coverage for certain situations. Theft being an issue in Coimbatore, Return to invoice add-on is a must. This will comfort your pocket in a miserable situation of a car theft by paying you the full amount of the car.

• Attractive Premium: As there are no middlemen or agents involved, you have full freedom to choose the type of coverage and add-ons on your own in an unbiased way. All the process being online, the insurance premium goes less as compared to offline processes.