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What is Key Replacement Cover in Car Insurance?

In car insurance, key replacement cover is an add-on offered by insurers, and it comes in handy if your car keys get misplaced, lost or stolen. The policyholder can add the cover of key replacement to the four-wheeler's comprehensive insurance policy by paying an additional premium.

Why Is Availing the Key Replacement add-on Important?

As mentioned earlier, the add-on cover of Key Replacement is beneficial when the keys to your four-wheeler get lost, stolen, damaged or misplaced. If such a scenario emerges, you need not worry about the cost of getting the keys replaced/repaired, as the insurer will take care of the involved expenses.

What to Check before Buying a New Car from a Dealer?

You don’t need to be a car enthusiast to distinguish between a decent car and a brilliant one. All you need to do is pay close attention when at the dealership.

If you want to maximise your benefits from your car dealer, here are some factors to look for  -

1. Look for Free Car Accessories

Several car dealers offer some necessary accessories on the purchase of your vehicle, absolutely free of cost. Thus, to maximise your benefits from car dealer, look if they are offering car accessories for free. Few of the accessories to look for include -  

  • Floor mats and seat cover.
  • Battery chargers.
  • Alloy wheels.
  • Number plate.
  • Jack.
  • Toolkit.

2. Check if You can Negotiate Prices

While the car dealer would want to maximise their profits from the car sale, you can negotiate the price of the vehicle you can purchase. Go through the terms and conditions of the purchase and look for the cost additions that you can do away with. For example, you can choose to purchase the car without any unnecessary accessories.

Also make sure you put your bargaining powers into play and you can save a substantial amount by bringing down your vehicle’s sale value.

3. Check for Easy Financing Options

Check if the dealer offers easy financing options. For instance, you might want to purchase the car on EMI or through a car loan. Make sure your dealer offers the options through which you want to make your purchase as per your convenience.

4. Seek Out Warranties

Check if your dealer offers warranties for different car carts. Verify whether the warranty for your preferred vehicle depends on the age of the car or number of kilometres driven by it. This

 Some car producers also include free servicing for the first few times. Inquire about the availability of such free servicing terms and conditions at the dealership before purchasing a car.

5. Look for Annual Maintenance Offers

Maintenance cost for cars can be substantial if you are using your vehicle daily. There are several dealers that offer the perk of a free annual maintenance on the purchase of a car. You can save a sizeable chunk of your budget if you can avail this perk from your dealer. So make sure you research and find a suitable dealer.

Always be a smart buyer. Do not take the car information at face value. Verify everything you learn by cross-referencing online reviews about the vehicle.

If you pay close attention to these tips for buying a new car from a dealer, buying the vehicle of your choice should become more straightforward.

Frequently Asked Questions