Knowledge Centre

Difference between buying car insurance online vs. offline

Published on June 25, 2020. EST READ TIME: 5 MIN

Having a car insurance policy is mandatory as per the Motor Vehicles Act, 1988. Every car owner in India is required to insure his car with a third party liability policy that protects you from unforeseen liabilities and gives you good peace of mind.  In India, one can insure his car with two types of car insurance policies-third party liability or comprehensive cover. A comprehensive car insurance policy protects you in case of damages caused to your own vehicle as well as third person or property. With digital advancements, one can easily purchase and even renew car insurance policy online too. Read below about the difference between buying car insurance online as well as offline.

Buying car insurance online

You are eligible to receive discounts: One of the reasons you should opt to purchase car insurance online is because insurance companies offer discounts up to 70% online. Thus, with this, your policy purchase and renewal becomes inexpensive.

Consumes less time: Online purchase of insurance policy saves a lot of your time as you can easily buy the policy from the comfort of your home. All you are required to do is enter few basic details and the policy is delivered in your inbox in just a few minutes time. Thereby, this also ensures that you do not have to constantly follow up with the insurance agent to get hands on the car policy.

Direct purchase from the insurer: When purchasing car insurance policy online, you are directly co-coordinating with the insurer, thus ensuring a genuine policy purchase. This saves you from being cheated and helps you save money in case of travel, policy documents and others.

Buying car insurance offline

Secure: Many people are not comfortable about making the payment online thinking that the process is not transparent and they would be duped off their money. So in such cases, one can always choose to buy car insurance offline in India.

Disclaimer:The above information is for illustrative purpose only. For more details,please refer to policy wordings and prospectus before concluding the sales.

This blog has been written by

S. Gopala Krishnan | Motor Insurance Expert | 40+years of experience in insurance industry

A veteran in insurance industry. S. Gopala Krishnan is a name to reckon with in the field of reinsurance,he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopala Krishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".

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