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Digital Assignment-1

Vehicle body Engineering


Ganpati Goel
16BMA0024
• Submit a detail technical survey report about the different types of diesel cars available in
India. Also discuss about the car insurance policies.
Different types of diesel cars in India:
1. Hatchback:
It is one of the most popular types of cars in India. It has a hatch type door
at the back that opens upwards and is capable of storing cargo. The cargo
space ranges from 22 cubic feet when the rear seats are in use to 55 cubic
feet when the rear seats are folded to incorporate more luggage. Ex: maruti
Suzuki(5-8lacs), Baleno(5.35 to 8.5 lacs), Hyundai i10(4.74-7.45lacs) are
some of the most preferred diesel hatchbacks in India.

2. Sedans:
These are passenger cars in which there is a separate compartment for the
cargo as well as for the passengers and the rear passenger seats are not fold-
able. It aims for maximum passenger comfort and better dynamics. Ex:
maruti Suzuki desire(6-9lacs), Honda amaze(5.6-9lacs), Hyundai verna(7.9-
13lacs). These cars are a bit more expensive than the Hatchback models
due its better comfort and performance features.
3. SUVs:
Sports Utility Vehicles. These vehicles are very rigid and also high
performing. They have a lot of cargo space and extended passenger
comfort. These vehicles also have more torque as they require to carry
more weight. Ex: Mahindra Bolero(7-9lacs), Tata Nexon(6-10lacs),
Mahindra XUV(12-19lacs)

4. Coupe:
A coupé — also known as coupe — is a car with a fixed-roof body
style usually with two doors. A coupe is "any two-door other than a two-
door sedan, smaller than a related four-door in the same model line" and
that "all two-door two-seaters with a solid roof are coupes”.
Ex. BMW i8, DC AVANTI
Car insurance policies
Coverage under Car Insurance
There are primarily 3 types of Car Insurance -

1. Third Party Liability Coverage


Third Party car insurance provides cover against any legal liability to a third party
caused when you are at-fault driver. It covers damage/injury caused by you to
another person/property. A Third Party Liability cover is legally mandatory in
India under the Motor Vehicles Act.

2. Collision Coverage
Collision coverage protects the insured financially against damage of their own
car. It pays the insured for damage caused by collision which is usually an accident.
Damage or loss due to theft or vandalism is not included in collision coverage.

3. Comprehensive Coverage
A comprehensive coverage is extensive and includes damage of car, theft of
vehicle, third party legal liability and personal accident cover. The policy coverage
can be further extended by opting for add-ons like accessories cover, engine
protector, zero depreciation cover, medical expenses, etc. This type of coverage is
the most popular as it offers end-to-end coverage and thus less stress for the
policyholder.

No Claim Bonus
For every claim free year, the insured is rewarded with discount on the renewal
premium. This discount is called - No Claim Bonus (NCB). It is cumulative and
increases, every year. It usually ranges from 10% to 50% and can save a substantial
amount of money on the premium payable for your auto insurance. Let's take an
example, if a policyholder doesn't make a claim during the tenure of his auto
insurance policy, he becomes eligible for No Claim Bonus, on the basis of which,
a certain rebate is offered on the payable premium.

Personal Accident Riders


Personal Accident Rider is an optional add-on benefit that can be added to the
comprehensive auto insurance by paying an extra premium. This rider provides the
policyholder with the coverage of medical expenses due to a damage, personal
injury or disability caused due to an accident.
Cover for Car Accessories
By simply opting for separate add-on policy, you can avail the coverage for your
car accessories, which a normal car insurance policy may not cover. Such additions
may increase the premium, but it is always beneficial and cost-effective rather
fitting a new car accessory.

Save Through Paying High Deductibles


A policyholder can save by paying higher deductibles. At the time of filing a claim,
if you choose to pay higher deductibles against your claim, your auto insurance
provider manages to give you some discount on premium later on.

What is not covered in Car Insurance?


Following features are usually not covered in car insurance:

Loss or damage if a policy is not in force.


Gradual wear and tear of car and its parts.
Loss or damage to vehicle when driven by person without a valid driving license.
Loss or damage to vehicle as a result of intoxication due to drugs, alcohol etc.
Loss or damage to engine as a result of oil leakage.
Loss or damage to vehicle as a result of abuse of car manufacturer's guidelines.
Documents for car insurance

Additional Covers
You need to mention whether you do or do not want to get a cover on electrical
and non-electrical accessories fitted in your car. Most insurers provide a cover for
your car accessories at an additional premium of 4% on its value.