Although law mandates insurance policy for 3rd party only but it is strongly advised to buy a comprehensive insurance policy that protects your vehicle from man-made or natural calamities. With comprehensive cover, you can claim from your insurer for accidents or damages caused to your vehicle. In the absence of comprehensive cover, you need to foot the entire bill on your own.

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A cover note is an interim document, which is issued by the insurer until a final insurance policy can be provided. The cover note will have the name of the insured, the insurer and details of the coverage. A cover note is usually valid for a period of 60 days and the insurer issues the Certificate of Insurance before the expiry of the cover note. It enables the purchaser to cancel the policy, and receive a refund on the condition that a claim is not yet made.

Unless your plan includes some form of accident forgiveness, filing claims of any size will cause your premium to go up. For small repairs, the price to fix it may be less than the increase in your premium — a chipped windshield, for example, can often be repaired for under $100, while a subsequent increase of just 10% on your premium could run you well over that amount in annual insurance costs. Since repairs are a one-time expense, it may save you money over time to sweat the small stuff yourself.
Yes, companies offer discounts when you buy car policy. Every insurance provider gives some discount against the Own Damage component of your car policy. This discount varies from insurer to insurer for your car. Compare car insurance quotes to find out which policy gives you the most discount for your car. At Coverfox, we have negotiated up to 60% discounts with the insurance companies!

Instead of going to my insurance agent's or broker's office in person, I want to apply for and potentially purchase automobile insurance online by using the EZBuy web site. I have made this decision to apply for and potentially purchase insurance using the EZBuy website at my sole discretion and I have not been influenced by the agent or broker or its representatives in making this choice. In order to apply for insurance on line, instead of reviewing printed disclosures, applications, agreements and signing my name to pieces of paper, I will be reading those disclosures, applications and agreements on the EZBuy website and clicking on buttons that say "Accept" or "I Agree." Every time I click on a button that says "Accept" or "I Agree," I intend that click to be my "electronic signature" and to have the same effect as if I had actually handwritten my signature on a piece of paper. I understand that in order to initiate future changes to my policy I may be required to submit a written request with my actual signature.

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