Knowledge Centre

Secure and Celebrate the Festive Season with Motor Insurance

Published on November 15, 2020. EST READ TIME: 4 MIN Festivals are often marked as auspicious beginnings. From buying new vehicles during Dussehra to buying precious metal on Dhanteras, the festive season is the time for making purchases for yourself or your family and friends. And if you are welcoming a new vehicle during this celebratory time, it is important that you protect it with a robust car insurance policy. Having such coverage will ensure end-to-end protection of your vehicle and ultimately, guarantee your peace of mind so that you can enjoy stress-free festive celebrations.

Benefits of Having a Motor Insurance Policy

A car insurance policy or a two-wheeler cover is a mandatory policy put in place to protect the life and property of vehicle owners. Here are some benefits of covering your vehicle, especially during the festive season.

Accident Proof: Festivals like Diwali have the tradition of crackers bursting on the streets. While it is important to stay safe and cautious while driving, one cannot undermine the chances of meeting with a firework accident. Having a motor insurance will cover the vehicle against such mishaps and also keep you, the driver insured in case of maladies. 

Stay Home Stay Safe: With the ongoing pandemic, authorities are requesting everyone to stay inside their homes as much as possible, this includes limiting festivities outside and spending more time with family. However, this does not exempt you from having comprehensive insurance coverage. You can kill two birds with one stone by going for car insurance online. This will also include the mandatory  third party car insurance,  which will cover the liabilities of any third person involved in the mishap . You can enjoy the festive season with the satisfaction of covering your vehicle without stepping out of your home. 

Third Party Liability Coverage: During several motor accidents, the incident often involves a third party. While your motor insurance accounts for your vehicle’s safety, the third party damage, if not taken care of, might incur litigation and liabilities. Having a comprehensive car insurance cover includes covering for third party damages, which takes care of their expenses and repair as well. 

You Stay On the Right Side of the Law: Nobody wants to get into legal hassles, especially during the festive season. Having a motor vehicle insurance is mandatory for every vehicle owner and not having one can incur a heavy penalty. 

What Car Safety Measures You Can Adopt During Festive Season?

While we will be busy celebrating, it is important to keep in mind the following car safety measures.  

Keep a Portable Fire Extinguisher: A bad firecracker accident is all it takes to burn the entire car into a pile of ashes. This can be avoided by nipping the tiny spark with a fire extinguisher. 

Keep a First Aid Box in Your Car: With crackers, there are chances of burns and injuries. It is wise to have a first aid kit in the glove compartment to attend to these injuries immediately and minimize its impact. 

Stay Away From Car Covers: While car covers are important to keep the external elements and dust away from the car, having one during the festival season may invite trouble as it is a flammable object and can easily ruin your car. 

Keep the Windows Closed: It is fun to look at the celebration, but while driving through a busy street, especially with bursting crackers, it is ideal to keep those windows closed and prevent any spark from entering your car. 


It is the time to be merry and joyous, but being a little cautious is always good. So this festive season fortify yourself and your vehicle with a comprehensive cover and enjoy the celebrations with peace of mind.

Let’s have some celebratory sweets now, shall we?

This blog has been written by

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

A veteran in insurance industry. S. Gopalakrishnan 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.

Mr. S.Gopalakrishnan 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."

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

Few other articles

Awards & Recognition