Car Insurance in Hyderabad

Known as “one of the ancient cities of India”, Hyderabad is the capital city of Telangana. Hyderabad has a mixed environment of both the western and traditional culture, which makes the city a diverse place. Hyderabad is also has a renowned I.T corridor wherein many famous names in the Information Technology sector have made this capital city their abode.

People from all over India, come to this place for technology and extensive job opportunities. Many historic sites such as Charminar, Mecca Masjid, Salarjung Museum, Golconda Fort, former diamond-trading centres enhance the spectacular beauty of the Qutub Shahi capital city.

Challenges faced by Car Owners in Hyderabad

• Bumper to bumper traffic: Just like any other metropolitan cities in India, Hyderabad is developing at a faster pace. Due to a massive population and tourists coming in from across the globe, roads are always packed with cars and other public transportation vehicles. The upcoming metro constructions have also added fuel to the fire. With over 2.8 million vehicles getting inducted into the city every year, the traffic woes in Hyderabad is a major challenge for drivers. 
• Lashing rains and Bad Sewage System: One of the major problem the city face is the deplorable conditions of the sewage system. The populated city has a bad drainage system. Wastewater from all over the city flows into the road which damages the road heavily by creating potholes. The roads are also getting worn out by heavy rains and floods. With no timely action from the government, the roads remain in pitiable conditions.
• Theft in Hyderabad: Another major problem in Hyderabad is car stealing. In 2019, more than 600 car theft cases have been registered in Hyderabad. Lack of designated parking space makes it easier for thieves to steal vehicles parked in unsafe zones. In a recent case, a brand new Toyota Fortuner car was stolen by a gang in the Nagole region. Most of these stolen cars are later on sold in neighbouring states with altered number plates. This makes it difficult for the police to track down the stolen vehicles.

Hyderabad is a city where you definitely need car insurance. Digit Insurance enables you to buy the most suitable car insurance policy in Hyderabad, online, with the most adept customer services that you require for your vehicle. All this without the involvement of any middlemen.

Choice of car insurance policies:

• a) Third-party liability policy - When you are held responsible for an accident in which any third party suffers from bodily injury or property damage, then this policy will pay for their loss on your behalf. 
• b) Comprehensive car policy - This policy covers the expenses of damages to your own car and takes care of the third-party claims as well. 

The aforementioned insurance policies can come in handy in Hyderabad if you land in any accidents or any mishaps. With the high accidents rates in Hyderabad, having an insurance policy can safeguard you against any monetary issues faced during such occasions.

• Heavy Penalty Avoidance: For a car owner, it is mandatory to have a Third-party car insurance policy to drive a car legally on the roads of Hyderabad. If you’re caught driving without insurance, you must pay the penalty. The fine for the first offence is Rs.2000, and for subsequent offences, it is Rs.4000. Or it can also lead to imprisonment for up to 3 months and suspension of your driving license. Hence, in such a case, third party insurance can save your pocket from paying such heavy penalties.
• Comprehensive Insurance to protect your car: Car owners in Hyderabad face a lot of challenges daily. To avoid them, a Comprehensive policy can be the best option. It can act as a shield which offers complete coverage against damages to your car and third party liability as well. This policy covers any damage caused due to natural calamities, thefts, fire, and accidents. Also, you can go for some add-ons that can provide extended protection under a comprehensive policy. For a city that sees a huge number of vehicle theft, having a comprehensive insurance policy will protect you against such incidents. You will be compensated for the amount you have insured your vehicle for.
• Add-ons suitable for Hyderabad: Apart from the comprehensive policy, you can opt for various add-ons. For example, due to poorly constructed roads, the bad drainage system and open manholes, there’s a high risk of damage to the car engine and tyres. Engine and gearbox protection can help you in such a scenario. During heavy rains season, chances are that your tyre would be subjected to a great amount of pressure. The Tyre Protection cover will help you in this case. The Return to invoice cover will be suitable for a theft-prone city like Hyderabad. With this add-on, in the scenario where your vehicle gets stolen, the insurer will provide you with the entire amount as per the invoice.