Bentley Car Insurance

British manufacturer Bentley Motors Limited is a marketer of luxury cars and SUVs. They have been a subsidiary of the Volkswagen group since 1998. This company was originally founded by W.O. Bentley in 1919. Bentley cars are widely popular thanks to their winning streak in the 24 hours of the Le Mans motorsport event.

Further, this British brand of vehicles entered the Indian automobile industry in 2010. Some Bentley models in India include Flying Spur, Bentayga, Continental GT, and the Mulsanne. Currently, this manufacturing company revealed its first electric model, Bentayga Hybrid. Additionally, the company has a plan to electrify its existing products by 2023.

If you are planning to purchase Bentley cars in the upcoming year, you should learn about their key specifications and other details. However, your car can still incur heavy damages from accidents or other unfortunate events. Considering this, you might want to get proper Bentley car insurance from a reputed insurance company.

A well-rounded car insurance policy for Bentley provides coverage against damages caused by third-party accidents, fire, theft etc. Nevertheless, you can purchase a basic third-party insurance plan and get coverage against third-party damages only.

Furthermore, according to the Motor Vehicles Act, individuals possessing at least third-party insurance for Bentley cars can avoid hefty traffic fines. Thus, insurance policies reduce financial as well as legal liabilities.

Indian insurance companies offer both third-party and comprehensive plans at competitive Bentley car insurance prices. One such insurer is Digit. If you obtain Bentley car insurance online from this provider, you can enjoy several benefits.

Following are the Add-ons for Bentley Car Insurance:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

When driving is much beyond your daily commute and relates to a drive of pleasure, elegance, and class, one name that strikes our mind is Bentley. The brand has its origin from Britain and is registered under the name of Bentley Motors Limited. It markets and sells luxury cars and SUVs across the globe. 

The cheapest model of Bentley is the Continental GT for which the price starts from Rs.3.29 crores. A middle segment model from Bentley-Flying Spur is priced at Rs.3.42 crores. The price for the most expensive model Bentley Mulsanne is Rs.5.56 crores. In total, there are four types of Bentley models sold in India. The last one is Bentayaga that is available at a price of Rs.3.78 crores. All the models have petrol fuel and are equipped with 8-speed ZF transmission.

None of the models from Bentley compromises on luxury. It belongs to the rich enabling them to feel super comfortable. The logo of Bentley is the symbol of B with two wings that denote speed. From SUV to Coupe, you can pick any model of your choice. The Bentley Cars are high maintenance rides, so it is important that you keep them safe. After all, buying a Bentley is a big investment. You also need to buy a Car Insurance Policy for your Bentley. Also, the Car Insurance Policy is a mandatory document to carry while driving. Without a policy, you will have to pay a hefty fine.

Here are the reasons that make Bentley Car Insurance important:

• For Legal Compliance: As per the Motor Vehicles Act, you must have a Car Insurance. You are not allowed to drive a car on the roads without an insurance policy. And if you do so, you will be bound to pay Rs.2000/- as a penalty imposed. You may also be put behind the bars for a period of 3 months and your licence may get cancelled.
  
• For Managing Own Damage Expenses: Car Insurance Policy will pay you when your Bently needs repair due to some loss/damage. Such losses may arise due to fire, theft, accident, and natural calamities. Also, Bentley is a high maintenance car. Getting a Car Insurance Policy will help you to save undue financial expenses.
  
• To Pay Off Your Third-Party Legal Liability: When you hurt someone or damage a third person’s property, then you are liable to pay for such losses. The amount of liability can be huge. Your Car Insurance will pay for such losses and save you.
  
• To Widen the Scope of Basic Car Insurance: You can improve the scope of basic coverage under Car Insurance by buying add-on covers. These add-on covers come with an additional premium payment that will help you protect your Bentley for losses that are not covered under the basic car insurance policy.
  

Here are some of the reasons to choose Digit to protect your Bentley.

• Type of Insurance Policy: Digit Insurance offers two types of Car Insurance Policies. One is the Comprehensive Package Policy which offers coverage for own damages and third party losses. Second is the standalone Third-Party Liability Policy which will pay, on your behalf, for any liability incurred due to bodily injury or property damage, when you are at fault.
  
• Offers Add-On Covers: Digit offers add-on covers like Tyre Protect Cover, Zero Depreciation Cover, Breakdown Assistance, Engine and Gearbox Protection, and Consumable Cover, etc. For Bentley, you can buy Zero Depreciation Cover. Considering the high cost of the spare parts, this add-on will help you nullify the depreciation applicable to the spare parts at the time of the claim. You can also choose Return-to-Invoice Cover. It will work for you when you suffer a total loss of your car due to accident or theft.
  
• Allows to Customize the IDV: Digit Insurance allows you to choose an IDV for your car. Higher the IDV more is the protection.
  
• Simple Online Procedure: From buying to filing claims, Digit Insurance has made its complete procedure online. The insurer offers a smartphone-enabled method.
  
• Large Network of Garages: Digit Insurance has a wide network of garages that will offer you cashless repairs.
  
• Fast Claim Settlement: Digit maintains a high claim settlement ratio and is fast at handling claims. Generally, the claims are processed in minutes.
  
• Offers You Competitive Premium Rates: The premium is fairly computed at competitive rates. There are no hidden costs. You can observe the premium calculation in the online calculator available at Digit’s webpage.
  
• No Middlemen: There are no middlemen or third-party agent involved in the buying process. So that you can take an informed and unbiased decision. Also, the premium does not include the commission of the middlemen.
  

Factors that Affect the Bentley Car Insurance Premium

Here are the factors that affect the Bentley Car Insurance Premium:

• Geographical Location: If you are buying Bentley in one of the metropolitan cities, then the premium will be higher. It is because the probability of an accident is more due to a large number of vehicles and heavier traffic.
  
• Type of Insurance: A Comprehensive Package Policy for Bentley will cost you more. The package Policy has components including Own Damage and Third Party Liability. For a Standalone Third-Party Policy, the premium will less as compared to a comprehensive policy.
  
• Add-On Covers: The premium due to add-on covers increases because they come with an additional payment.
  
• Higher Voluntary Deductible: Choosing a higher voluntary deductible for your Bentley means less premium. But it also indicates that you will contribute your share at the time of claim.
  
• Age Of The Car: The depreciation value to the IDV of the car increases with passing time. So the IDV decreases which may reduce the car insurance premium with increasing age of the car.
  
• Security Device Enabled: If your Bentley has extra security devices enabled, like the alarm, then the insurance company may offer you a discount on the premium.
  
• No Claim Bonus: When for the first year, your Bentley goes without a claim, then for the renewal, you will get a bonus discount.
  
• The Capacity of the Engine: Different models of Bentley have engines with different cubic capacity. Hence for each model, the premium will differ. Largely, a third-party premium is dependent on the cubic capacity of the car. More cc means higher car insurance premium.
  

Looking to reduce the premium paid towards your Bentley’s insurance? 

Following are a few ways to do so! 

• Choose a Higher Deductible: With your Bentley insurance, you will be required to pay a compulsory deductible as per IRADAI directives. Alongside this, you can choose to pay voluntary deductibles during a claim, by virtue of which you can reduce the premium paid towards the policy. 

• Avoid Making Small Claims: If you make claims for small damages, you miss your NCB and consequently do not enjoy any discounts on your premium. Therefore, if your car’s repair is not costing you much, it is better to avoid making claims. 

• Compare Premiums: Make sure you conduct proper research and choose the most affordable policy in the market. In this respect, Digit’s Bentley insurance policy (starting at Rs.2702) is cost-effective and offers maximum benefits.  

These are, thus, a few ways through which you can lower the premium for your Bentley insurance purchase or renewal. 

However, make sure you do not compromise on your policy benefits while seeking lower premiums payable! 

Happy driving!