While most of us are eager in availing no-claim bonuses (a discount in premium at renewal if no claim is made during the policy term), but we hardly pay attention towards other smaller discounts which can add up to a substantial amount. All comprehensive insurance plans offer reward for good claim history, with a discount which could be 50% of the premium.
The deductible is the amount of which the claim would be payable. Generally, a normal standard or compulsory deductible for most of the automobiles that range from Rupees 50 for the two-wheeler automobile to Rupees 500 for private four-wheelers and commercial automobiles that enhance according to the carrying capacity or cubic capacity of the automobile. Though, there could be cases where the insurance provider might enforce extra deductible which depends on the vehicle’s age or if the claims frequency is comparatively higher.
More commonly purchased is third party, fire and theft. This covers all third party liabilities and also covers the vehicle owner against the destruction of the vehicle by fire (whether malicious or due to a vehicle fault) and theft of the insured vehicle. It may or may not cover vandalism. This kind of insurance and the two preceding types do not cover damage to the vehicle caused by the driver or other hazards.

In 1998, the Progressive Insurance company started a pilot program in Texas, in which drivers received a discount for installing a GPS-based device that tracked their driving behavior and reported the results via cellular phone to the company.[49] The program was discontinued in 2000. In following years many policies (including Progressive) have been trialed and successfully introduced worldwide into what are referred to as Telematic Insurance. Such 'telematic' policies typically are based on black-box insurance technology, such devices derive from a stolen vehicle and fleet tracking but are used for insurance purposes. Since 2010 GPS-based and Telematic Insurance systems have become more mainstream in the auto insurance market not just aimed at specialised auto-fleet markets or high value vehicles (with an emphasis on stolen vehicle recovery). Modern GPS-based systems are branded as 'PAYD' Pay As You Drive insurance policies, 'PHYD' Pay How You Drive or since 2012 Smartphone auto insurance policies which utilise smartphones as a GPS sensor, e.g. .[50] A detailed survey of the smartphone as measurement probe for insurance telematics is provided in [51]


NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.


Only the people listed under section 5 of the current Certificate of Motor Insurance for a particular car can drive that car. If you want to add drivers to one of the cars, either for a few days or for the rest of your policy term, call our Customer Service Department. The drivers must be eligible for insurance with Admiral. There is a charge for adding drivers to your policy, which we'll tell you when you call.
[1]We do not offer a full comparison service on multi-car car insurance at Gocompare.com but instead have provided links to some companies that do offer multi-car insurance. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
In South Australia, since July 2016, CTP is no longer provided by the Motor Accident Commission.The government has now licensed four private insurers - AAMI, Allianz, QBE and SGIC, to offer CTP insurance SA. The scheme allocates one provider for 3 years as part of vehicle registration. After July 2019, vehicle owners can choose a different CTP insurer and new insurers may also enter the market. [6]
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