Hindustan Motors Car Insurance

Following are the Add-ons for Hindustan Motors 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

A part of the Birla Technical Services Conglomerate, the brand started its business from Port Okha near Gujarat and later moved to Uttarpara in Calcutta in 1948. The first car they rolled out following the Indian independence was Hindustan 10, inspired by Morris 10. The brand is known for its ability to integrate foundry, forge shop, press shop, aggregate assembly units for engines, machine shop, axles, etc.

With a rich R&D section within the operations, Hindustan Motors is best-known for producing AmbassadorCars across CPG and LPG variants in the passenger cars segment. It also makes light commercial vehicles with a 1-tonne payload in its Pithampur and Uttarpara plants. The automotive components division in Hind Motors includes Accu Cast (casting unit) and Accu Forge (forging unit). Some of the most popular passenger and commercial vehicles of Hindustan Motors include the following. 

• Hindustan Ambassador 
• Lavender (Small truck)
• Hindustan Contessa
• MASCOT T-480 FC (Commercial truck)
• Hindustan Landmaster
• RTV Ranger (Truck)
• Hindustan Deluxe

Having insurance against property is always considered healthy against future risks. According to the Motor Vehicles Act of 1988, it is a compulsory requirement for every Indian car owner and driver to ensure their four-wheelers. Certainadvantagesoften act as motivators for the car owners and their insurance choices. If you are an active owner or driver of a Hindustan Motors vehicle, you might consider these for getting Hindustan Motors car insurance. 

• Legal Repercussions and Fine Coverage: Usually, car owners face various forms of legal repressions while driving four-wheelers. After the Motor Vehicles Act was passed, it became a mandate to have car insurance. Without such insurance, a car owner or driver would be liable to pay a fine of up to ₹2,000 when caught for the first time and ₹4,000 for repeating the same act. This can also lead to 3 months imprisonment or licence cancellation. 

• Third-party Liabilities: Owning insurance for Hindustan Motors enables a policyholder to handle third party damages without compensating directly. If your car hits a person or other vehicle, the insurance covers the compensation in these matters. Moreover, it also pays for the damage caused to road properties in such accidents. 

• No Claim Bonus: If policyholders do not raise any claim for a policy year, the insurer provides a 20%-50% discount while renewing a policy. You can thereby reduce your Hindustan Motors car insurance renewal price by opting for an NCB. 

• Personal Accident Cover: Following the Insurance Regulatory Development Authority of India (IRDAI), policyholders and their families should receive financial assistance from the insurer under certain circumstances. If the accident causes an unfortunate death of policyholders or ends up disabling to make a living, the insurer will compensate for the same. 

Having Hindustan Motors car insurance can thus be beneficial for you if you own a Hind Motors vehicle. In this regard, you can check out the insurance option available in Digit. It is one of the most reliable and beneficial car insurances for Indian riders.

Usually, while choosing the right insurance for cars, individuals look for an affordable Hindustan Motors car insurance cost. However, several other factors require attention. Digit is preferable for Hindustan Motors car insurance since it offers the following benefits for its policyholders. 

• Insurance Policy Options: Digit currently enables policyholders of Hindustan Motors car insurance to choose from the following two insurance policies options.

• Third-Party Policy: As its name suggests, a third-party policy protects the policyholder from compensation against third-party damages. If the accident has caused fatal damage to another person or vehicle, the insurance from Digit will mandatorily cover its expenses. Moreover, it will also consider the costs incurred from repairing road properties damaged during the accident. 

• Comprehensive Policy: On the other hand, this policy covers both third-party and own damages caused by accident. Apart from repairing the damages caused to third-party properties and individuals, this policy helps repair your car after an accident. It can be applicable for policyholders if their vehicles face unforeseen losses during natural calamity, fire or theft. 

• Purchasing Insurance or Renewal: Digit ensures to maintain a user-friendly and straightforward process for purchasing car insurance. You can visit the official website of Digit and follow the instructions for the procedure. Moreover, you can also apply for Hindustan Motors car insurance renewal in the same process. 

• Claim Filing: Digit enables Hindustan Motors car insurance policyholders to claim their policy after the concerned accident in three simple steps. 

Step 1: Call on the toll-free lifeline of Digit (1800-258-5956) and follow the instructions. You are not required to fill any forms for this. 

Step 2: You will receive a Self-Inspection link on your registered mobile number. You will require uploading the images depicting your vehicle's damages from the accident. 

Step 3: You can choose from the repair mode, including Reimbursement or Cashless, whichever is convenient for you. 

• IDV Customisation Options: Digit car insurance for Hindustan Motors lets you customise your IDV (Insured Declared Value). It is the value of your vehicle in the market after calculating its depreciation. IDV determines the correct value for your car according to the market conditions, and the premium amount for your Hindustan Motors car insurance will depend on this. Choosing Digit insurance will help generate maximum benefits by customising your IDV. 

• Add-ons for Policy Alterations: Digit insurance allows you more than simple car insurance. There are provisions for other add-on options for altering your policy. Some of these are discussed in the following section. 

  • Zero Depreciation 
  • Roadside Assistance
  • Return to Invoice Coverage
  • Cover for Consumables
  • Engine Protection Coverage

• Network Garages: Choosing Hindustan Motors car insurance under Digit also provides facilities such as redeeming cashless repair services from the network garages under its vicinity. Digit has a vast network, covering numerous garages from all across India. 

• Extensive Customer Support: Digit is preferable for people mainly because it offers high-quality customer support and assistance. The customer support executives of the company are dedicated to listening to the customers anytime around the day. They try to solve their problems swiftly without wasting much time. 

Therefore, you should purchase Hindustan Motors car insurance if you own a vehicle from Hindustan Motors. Not only is it mandatory under the Motor Vehicles Act of 1988, but it is also convenient for handling post-accident situations for car owners. In this context, choosing a policy from Digit will give you suitable coverage to face such an accident. 

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

Following are a few ways to do so! 

• Choose a Higher Deductible: With your Maruti 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 Maruti 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 Maruti insurance purchase or renewal. 

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

Happy driving!