Understanding Bumper To Bumper Insurance Purchased a new car but wary about venturing to new place? It actually hurts seeing a scratch on out- of- showroom car. But you can keep your worries at arm’s length now. Go in for bumper to bumper insurance for your car and rest at peace. Wondering how would it help you and what exactly it is? Read below for complete details on it. What does bumper to bumper insurance mean? As the name suggests, bumper to bumper insurance covers all the parts of the car from front bumper to back bumper. Many companies provide power train insurance that just includes the engine, drive line and transmission but excludes alternator and starter. Hence, it is better to go for bumper to bumper insurance. Bumper to bumper inclusions Bumper to bumper insurance provides you comprehensive coverage and is advisable for new car. However, it has some inclusions and exclusions. Basically this insurance provides coverage for hefty mechanical repairs and also takes care of minor things like rattling and squeaking. The insurance provider also offers roadside assistance, regular maintenance, free gasoline, tow away services, coverage for electronic equipment and minor tear and wear. In a nutshell inclusions are in plenty and exclusions are just handful. Bumper to bumper exclusions The common exclusions are rust, tyres wear and tear, emission control equipment, wiper blades, break plates, exhaust system, light bulbs, exhaust system, hoses and belts. The damage caused to your car by negligence, vehicle abuse and accident is also excluded. Availing bumper to bumper insurance You can avail this insurance online by furnishing certain details, as listed here under RTO details Manufacturer, make and model of the car Information regarding installation of anti-theft devices approved by ARAI Consent for Voluntary deductibles Age of the prospective policyholder Occupation of the prospective policyholder Deciding the type of insurance Once you have decided to avail bumper to bumper insurance think about the choosing between third party motor insurance and comprehensive car insurance. Third Party Motor Insurance: Third party motor insurance is mandatory in our country. It not only protects you from the third party liability but also the legal liability. It provides basic coverage and does not cover damage caused to you, your co-passengers and your car.
Comprehensive car insurance: Comprehensive motor insurance includes damages that have been caused to your vehicle as well as damages caused to the third-party vehicle. It also covers the injuries occurred to all the passengers of both the parties. For more information visit: http://www.bharti-axagi.co.in/two-wheeler-insurance/faqs