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Why Buying Car Insurance From The Dealer May Not Be Worth It

When buying insurance, car owners often prioritize affordability over features, but better options may exist. While third-party car insurance is legally required in India, blindly following a dealer’s advice for first-time car owners might lead to pitfalls. Purchasing insurance through dealers may spare owners from the hassle of reading policy details and checking insurer reputations, but it may need to be more effective. Explore the drawbacks of buying insurance through a car dealer.

Five Big Negatives

The main drawbacks of buying car insurance from your car dealer are listed below. Be aware that these are general points.

  1. No Comparative Analysis Of Policies

Comparing car insurance online is easy and allows you to find the ideal deal by narrowing down your coverage needs. However, buying from a car dealer limits your ability to compare policies; you must accept their offer without exploring other options.

  1. Particular Add-Ons

The issue with a fixed cover also extends to the available add-ons. Depending on your needs, you might only be given access to part of the selection of add-ons or offered a bundle of particular add-ons. As a result, there needs to be more coverage. *

  1. Rigidity

The majority of car dealers are associated with an insurance provider. They become stiff as a result. When selecting an insurer on your own, you have no options. Even though the car dealer has a prearranged arrangement with the insurance company to sell insurance policies for cars sold through the dealership, you will still need to proceed with the insurer they recommend.

  1. Fixed Cover

You are not given the option to select the contents of your cover because there is no comparison or flexibility. Car dealers frequently provide a set coverage for an insurance policy for four-wheelers. For instance, you might only require a basic comprehensive plan, but the dealer may offer a comprehensive plan with many extra features.

  1. Missing Digital-First Insurance

You will lose out on the benefits of choosing online car insurance from digital-first insurers if you decide to proceed with the insurance provided by the vehicle dealer.

The following are the main benefits of purchasing car insurance online from digital providers:

  • Selecting your preferred cover
  • Selecting a course of action without external influence
  • Affordable insurance that doesn’t sacrifice coverage. You can use a car insurance calculator to check on the prices of premiums.
  • A higher service quality index
  • Easy resolution of claims
  • No documentation
  • Fast policy acquisition (in two minutes)
  • Comparing insurance before making an online car insurance purchase

If you still need to buy the car insurance that your car dealer has recommended, take some time to consider your needs and see if the dealer can meet them. You can buy the insurance coverage online if the dealer cannot provide it. *

When it comes time for your policy to be renewed, you can select a different plan if you have already bought the policy from your car dealer. Make sure to do the process of your car insurance renewal promptly. A policy that has expired is no longer valid and serves no purpose.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.