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Indian Lifestyle Blog – Care More for your Car with COCO By DHFL General Insurance

Indian Lifestyle Blog – Care More for your Car with COCO By DHFL General Insurance 

You would have rarely seen me talking about investment products and insurance policies. Fit As A Fiddle is a lifestyle blog; However, it is important for me to cover new age products and services that could add value to my followers as all my followers are well-aware and internet-savvy. Also, in this particular article, I want to share a product with you that is an important aspect of our daily life but we generally miss out on taking it seriously.

I am talking about Car Insurance. I drive to work every day but have always ignored the significance of staying covered from any unpleasant incident that could happen anytime. In the hustle bustle of our fast lives, we tend to forget that an unpleasant incident could happen anytime, especially when we least expect it. And this could turn out to be not just an emotional ordeal, but also burn a hole in your pocket. And no one likes that!

If you would have seen my Instagram and Facebook stories, you would know what I am talking about!
I got a chance to attend the launch of India’s first customizable online comprehensive car insurance policy called COCODrive. This event was an eye opener for me not just to understand how car insurance is important, but also to understand how we have been so ignorant about such an important aspect in our lives. Did you know that the majority of vehicles running on our roads are uninsured? And if they hit someone or something else, they are not even covered to take care of the third-party expenses. How crazy is that!
But why do people not buy insurance for their vehicles? Few of the main reasons are that a lot of people find insurance purchase too complicated, aren’t sure of what cover to buy, have low trust on the agents etc. Also, traditional insurance companies have long been pushing pre-bundled Car insurance products to their customers. These insurance policies include bundled add-ons that customers might not even need but still have to pay for.
That’s where COCODrive comes into picture. It is the first a-la-carte policy in India that allows users to choose only the add-ons they need from a slew of 19 add-ons. So, if you don’t need a certain add-on because of your car model or your city, you don’t have to buy it or pay for it. This makes each customer’s policy unique and personalised instead of the pre-existing traditional policy packages.

It was a well-organised event with some insights into insurance policy, accidental cover and live Q&A session with the COCO team. It also involved a launch of a heart-touching Brand Film for COCODrive that has an emotional connect and emphasized taking care of yourself and your family.

Why COCODrive?
Customizable Comprehensive Car Insurance policy that can be tailored to suit each customer’s exact needs.
Completely online – for the tech savvy generation that would rather order food or shop on phone without wanting to talk to anyone, this is a boon. You can buy COCODrive policy completely online without any middleman or an agent. It is really that simple.
19 add-on options (the highest in the market. Generally, insurance companies only provide 5-6 max add-ons). You can opt for any coverage that you need depending on the type of car, city and the age of car. And you can omit the add-ons that are not useful for you (for example, if you don’t have a very expensive car, you don’t have to buy the Lock & Key Replacement Cover add-on)
Zero Depreciation Cover – provides coverage without factoring in depreciation when you make a claim.
Key & Lock replacement/Tyre replacement. These are non-standard covers that not all companies give. If you have an expensive car, you must take these add-ons.
Integrated chat feature where you can buy it with a click of a button. If you get stuck or confused while purchasing the policy online, there is an online chat support team waiting to assist you on press of a button. So at no point are you left helpless.
New Car for Old Car – In the event of theft or total loss, you can get a claim worth your new vehicle value
Highest personal accident cover – As per the current mandate, personal accident cover of 15 lakhs is offered but with COCODrive, you can get a cover of up to 35 lakhs.
Hospitalization Cash – This gives you the benefit of providing a fixed amount of cash. This is valid for a period of up to 5 days of hospitalization, post your vehicle meeting with an accident.
Daily Conveyance Allowance – You will get paid an amount for up to 15 days when your car is under repair.
Road Side Assistance – I often get stranded in the middle of the road. The various benefits include towing service, battery jump start, alternate transport, spare key arrangement and breakdown phone assistance.

I hope that like me, you would also have got sensitized to the importance of motor insurance and would take a little more effort next time while selecting your insurance company. For our generation, brands like COCO are doing an amazing job by making these supposedly “complicated” subjects really really simple. I am sure that next time I have to renew my car’s insurance, I am going to be way more diligent than I have been and I will want to customise it with COCO, myself.

COCO by DHFL General Insurance
COCO by DHFL General Insurance is an Insure tech by Wadhawan Global Capital Private Limited. Wadhawan Global Capital Private Limited (WGC) is a Core Investment Company, with its flagship brand
being the listed housing finance entity, “Dewan Housing Finance Limited” (DHFL). COCO by DHFL General Insurance Ltd. is a 100% owned entity of WGC.
COCO by DHFL General Insurance started its operations in 2017. It is aimed to simplify the process of purchasing insurance via new age technology.

You can get updates on the brand's Twitter Handle @DHFL. You can also follow the brand on Facebook for more updates about the product. #CareMoreHaveMore

Talk to me on Twitter

Instagram/Snapchat: @meghasarin


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