The Datsun Go has a distinctive sporty exterior with a range of fabulous features. It packs a moderately powerful engine and offers attractive mileage for its class of hatchbacks. This car has seen its popularity in urban spaces soar due to its small size and high maneuverability.
Before heading out for a drive in your brand-new Datsun Go, remember to get it covered with car insurance. To begin with, you have to get your car insured to be able to drive legally on Indian roads. Also, having an insurance plan gives you financial protection in the event of a mishap. You can choose an easy insurance solution from IFFCO-Tokio General Insurance Co. Ltd. for your beautiful Datsun Go.
Our Datsun Go car insurance plans protect your car in the event of an accident, theft or even natural calamities. You can choose between third-party and comprehensive coverage and opt for add-ons to conveniently customize your car coverage.
The Datsun Go comes loaded with a dual airbag system, ABS with EBD, brake assists and rear parking sensors. With these safety features, your car is almost secure…
Even if you are in the habit of driving carefully, others may not be so particular. So, it is best to prepare for every eventuality. You cannot change rash road behavior in other motorists but you can protect your car with comprehensive coverage through a Datsun Go Car Insurance plan.
IFFCO-Tokio General Insurance Co. Ltd. offers a wide range of car insurance policies that financially secure you from road mishaps. Buying a Datsun Go car insurance plan from us will also ensure you completely comply- with Indian laws when driving.
With IFFCO-Tokio General Insurance Co. Ltd., buying insurance is now easier than ever. Simply log on to our website and go to the ‘Buy’ section. Fill up a few personal details and information on your car. Next, select a plan and choose any add-ons that you may require.
Once the payment goes through our secure portal, your Datsun Go car insurance details will be sent to your email address. The whole process won't take you more than ten minutes as long as you have your documents at hand.
We need a couple of details about your car such as its variant, its fuel types and so on to put together great deals and coverage options.
Keeping in mind the information you share, we will provide quotes on car insurance plans. You can choose a plan you prefer and then customize to match your budget and protection needs.
Now all that left is for you to purchase the plan by making the payment. We provide multiple payment options and provide the policy document as soon as the funds come through.
We understand that you have a busy day. And, we want to help you by simplifying buying car insurance. So, we have the whole process seamlessly available on our website www.iffcotokio.co.in
Buying your Datsun Go car insurance plan online has so many advantages. Online insurance purchase is:
it literally takes a few minutes
no hassles of long queues
you can say bye-bye to loads of heavy documentation
Car Insurance provides coverage against:
Damages and losses that may arise out of collisions & accidents.
Coverage against losses incurred when your car is stolen.
Damages and losses caused to due to an accidental fire.
Damages and losses due to acts of nature such as floods, cyclones, etc.
Offers sum assured up to 15 lakh, with a cover against accident leading to death or disability of the owner
Pays for property damages and injuries caused by your car.
Here are some recommended add-ons that can widen the coverage of your Datsun Go car insurance policy.
Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Datsun Go insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
The Go is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Datsun Go insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
This is another important add-on you can opt for with your Datsun Go car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine.
If you drive safely and do not make a claim against your policy, you are entitled to a discount when your renew you plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Datsun Go car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!
These are some of the standard exclusions of car insurance in India.
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
If you want basic and affordable coverage for your Datsun Go, you can opt for third party insurance. These plans do 3 things for you. Firstly, they serve the basic legal requirement to drive your car on Indian roads. Secondly, they ensure you do not have to pay for third party damages and injuries in an accident you are involved in. And lastly, they will provide a payout of up to 15 lakhs in case an accident leads to your total permanent disability or death.
However, third party insurance does not cover damages or total loss of your own vehicle. So while these plans might be extremely affordable, they do not offer any protection for your Datsun Go.
If you want to give your car complete protection, on and off the road, you should purchase this type of Datsun Go car insurance. This is because, comprehensive plans are made of two components, third party cover and own damage cover. This means that they provide everything that third party insurance.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increase protection from perils of the road.
You should know these important car insurance terms before you buy a Datsun Go car insurance policy.
Premium is the cost of your Datsun car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Datsun car insurance policy.
IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer.
No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your policy.
Simple, just use the car insurance premium calculator. This online tool allows you to check the premium of your Datsun Go car insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Until recently, innovation and insurance were rarely used in the same sentence. However, we have made it our mission to change this. At IFFCO-Tokio, we are bringing in technology to provide you with car insurance that’s quicker and more convenient.
One of the ways we’re doing this is through our QCS app, which puts a host of our services at your fingertips! You can submit claims using your nothing but your phone and get up to Rs. 50,000 in compensation in just 4 hours.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakhs claims (in FY19) with a settlement ratio of 92.65%. This is just one of the reasons why 1,00,000+ individuals entrust us with their car insurance needs.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
For 19 years, we have been servicing our customers with a wide range of insurance policies.
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country
Through QCS: If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) App. All you have to do is upload the photos, documents, videos, etc., of the damages you want to make a claim for. We will review the documents you upload and approve your claim (we have a claim settlement ratio of 92%). After this, the estimated amount for repairs will be sent to your bank account in just 30 minutes. Note that for claims made through the app the maximum claim amount will be Rs. 50,000.
Online and telephonic claims: You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499.
To make a claim online, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned. If you register a claim over a call, our customer care executives will guide you with the further procedure.
Your car is not a pawn. Your car insurance should not be the same too. Insure your car from Iffco Tokio.
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