Anyone who has changed cities knows that it is guaranteed to be a life-changing event. It involves essentially uprooting yourself from a place you have known for a long time and re-settling into a new place. It can be daunting, and it is natural for the new adjustments to leave a lot of doubts in your mind.
The perfect example of that is your car and its insurance policy. If you have recently changed cities, then it can be confusing to figure out the car insurance procedure – this is because your car might be registered to a certain location, and your car insurance purchase might also be influenced by it. So when you change locations, your vehicle registration might not necessarily require change. However, the coverage you have will need some changes. Here are a few updates you can make to your policy:
- Upgrade your coverage
Let’s clear something first; your car insurance policy is valid in every part of India. Hence, you do not have to worry about your plan being null and void if you are regular with your premium payments. The point of concern in this scenario is whether your coverage will be enough for all the driving challenges you might face in the new location. Hence, it is better to upgrade your coverage. You can go for higher and wider coverage.
For example, if you are moving to a metro city from a tier 2 city, you will have a different driving experience on the road. The density of traffic will be much higher, which means more number of vehicles on the road. This, in turn, means that the chances of an accident are higher. Moreover, you might take a lot of time to memorize the different roads and localities of the city. It will take time to get comfortable with navigating the roads in the new city. Hence, you are likely to make more mistakes on the road. In such a situation, it is better to upgrade your coverage to include different situations and to a higher amount.
- Look into add-ons
Add-ons are extra pieces of coverage that are not otherwise included in the base policy. These pieces enhance your coverage for unique situations that you might face on the road. Each of these add-ons offer a different benefit. However, they are not free. They charge a certain additional amount over the existing premium that you are paying. Moreover, they can only be purchased with a comprehensive vehicle insurance policy.
When moving to a new city, you might find yourself in a lot of unique situations on the road. Based on these situations, the right add-ons can definitely help you a lot. Hence, you should know the add-ons that can add value to your policy and buy them. * Standard T&C Apply
- Think about switching providers
Different insurance providers might be more active in different regions of the country. Hence, it may happen that your current insurance provider might not be present in the region you are shifting to. Hence, even if you have the perfect policy, you may not have the right service. In this situation, it is better to switch to an insurance provider that has a strong presence in that region. Another option you have is to switch to a provider that has a heavy digital presence. This way, you can use online mediums like email, website, or a car insurance app to interact with your provider.
Moving cities is difficult enough; but we hope that the above pointers come in handy when it comes to handling your car insurance. We all know that third party car insurance has been made mandatory by the Indian Government, but it is also a good idea to look at comprehensive vehicle insurance for your car.
Please note that Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.