Find the best car insurance plans
Car insurance offers financial protection to vehicle owners against expenses from accidents, fire, theft, natural disasters, and third-party damages. This policy ensures coverage for repair costs, legal liabilities, and losses,helping keep owner/drivers secure and compliant with Indian laws.
Third-Party Car Insurance- Comprehensive Car Insurance
- Standalone Own Damage
Find the Best Car Insurance Plan
Car Insurance Made Simple
Car insurance provides financial assistance to you and your vehicle in the event of accidents, damages, theft, and liabilities. The appropriate policy—third-party or comprehensive—guarantees peace of mind, security, and secure driving.
Types of Car Insurance
Three main types covering third-party, own vehicle damage, or both with added flexibility.
Third Party Car Insurance
As per motor vehicle act 1988 is mandatory for protecting others from injury, death, or property damage, but excludes your own vehicle
Comprehensive Car Insurance
Broad protection covering third-party liabilities including vehicle damages from accidents, theft, fire, or natural calamities.
Standalone Own Damage(OD) Insurance
A new vehicle policy provides 1 year of own damage coverage and 3 years of third-party coverage, with an option to renew the OD separately for 2 additional years.
Benefits of Car Insurance
Explore key advantages of having comprehensive car insurance policy coverage.
- Third party Legal Protection:
Car insurance not only makes you conform to Indian motor vehicle act but also protects you from legal troubles, monetary fines, and surprise expenses pertaining to third-party damages—offering legal safeguard and peace of mind while on the road.
- Comprehensive Coverage:
Comprehensive insurance covers both third-party liabilities and damage to your own vehicle, giving you peace of mind against accidents, theft, natural calamities, and other unexpected events.Certain add-on covers provide full coverage without applying depreciation.
- Convenient Repairs:
Relish trouble-free and affordable vehicle repairs with comprehensive insurance, providing cashless facility at approved network garages and fast reimbursements for repairs at non-network garages—promising convenience, speed, and peace of mind whenever your car requires accident repairs and replacement.
- Affordable and Easy:
Purchasing or renewing auto insurance online is fast, easy, and budget-friendly. With simple comparison tools, immediate quotes, and special discounts for online buyers, it's a savvy, time-efficient solution that enables auto owners to obtain the best coverage at the best price.
Popular Add-On Covers
Below are the top add-on covers for your car insurance policy, designed to protect your dream car.
Zero Depreciation Cover
Claim the full repair or replacement amount without deductions for depreciation.
Consumables Cover
Covers expenses for consumables like engine oil, brake fluid, nuts, and bolts etc during repairs.
Engine and Gear Box Protection
It covers losses caused by waterlogging due to flood, oil leaks due to accidents causing damage to engine components.
No Claim Bonus (NCB) Protection
Retain your no‑claim discount even after filing a claim, helping you save more on future car insurance premiums.
Return to Invoice
Receive the full original invoice price.road tax,insurance ,Registration fees based on policy terms of your vehicle if it is declared as total loss by the insurer or stolen.
Roadside Assistance
Get immediate roadside assistance during breakdowns, flat tires, or battery issues, ensuring safety, convenience, and peace of mind anytime, anywhere.
What is not covered under Comprehensive Car Insurance Policies
Know the exclusions and limits of comprehensive car insurance policy in India.
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Normal wear and tear or mechanical breakdowns. Natural ageing. Worn-out tyres, faded paint, or worn-out brake pads, etc are not covered
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Driving violations such as unlicensed driving
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Driving under the influence of alcohol or any drug.
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Unauthorized or illegal use of the vehicle.
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Adventure activity: High-risk activities like racing, stunts etc., or deliberate damage
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Indirect or consequential losses (e.g., engine failure after waterlogging) without add on engine cover.
Simple & Quick Claim Process
We offer a fast, transparent, and convenient Car insurance claim process in 4 easy steps:
Cashless Claim
Inform your insurer
Contact us immediately after an incident.
Survey
The surveyor inspects your vehicle at the network garage.
Fill the claim form
Submit the claim form and documents at the network garage
Approval Wait
The insurance company settles the bill directly with the garage.
Reimbursement Claim:
Register the claim
Contact us immediately after an incident.
Fill the claim form
Submit the claim form with supporting documents, surveyor assesses finally.
Survey
The surveyor inspects your vehicle at the garage.
Approval Wait
After approval, you pay upfront and get reimbursement within 7 days.
Frequently Asked Questions
Find quick answers to the most common questions about filing insurance claims.
Is car insurance mandatory in India?
Yes. As per the Motor Vehicles Act 1988, Third-Party Liability car insurance is compulsory. Driving without valid coverage is a legal offence.
What does "Own Damage" car insurance cover?
Own Damage insurance protects your vehicle against accidents, fire, theft, natural disasters, and vandalism. However, the basic own damage policy will not cover 100% of your claim amount.
Tyre and tubes - 50%; Battery - 50%; Plastic, rubber and fiber - 60% to 70%; Windshield - 100%
How is a car insurance premium calculated for a registered vehicle?
Premium is based on Insured Declared Value (IDV), vehicle age, engine capacity (cc), location (urban or rural), selected add-ons and past claims.
What is No Claim Bonus (NCB) and is it transferable?
Yes. If you don’t file any claims during a policy year, you earn a renewal discount (20% to 50%).
NCB belongs to the owner and not the vehicle. So if vehicle is sold and name transfer is done NCB of the new owner will become zero
How much no claim bonus will I get?
- After 1 claim free year - 20%
- After 2 claim free year - 25%
- After 3 claim free year - 35%
- After 4 claim free years - 45%
- After 5 claim free year - 50%
What will happen to no claim bonus if I change insurance company?
NCB will be carry forwarded
My policy has expired. What will happen to my NCB?
To avail NCB benefit, you should renew within 90 days from the date of policy expiry
What are popular car insurance add-ons in India?
- Zero Depreciation cover
- Return-to-Invoice benefit
- Roadside Assistance service
- Engine Protection rider
- Consumables cover for parts
- Tyre
- Key replacement
- Loss of personal belongings
- NCB protection
- Emergency transport and hotel expenses
Should I update my car insurance address after relocating?
Yes. Inform your insurer about any address change. It may slightly affect your premium depending on the risk profile of the new location.
How to file a car insurance claim in India?
- Notify your insurer immediately
- File FIR for theft or third-party damage
- Submit documents (Driving License, RC, claim form)
- Surveyor inspects the vehicle
- Repair at cashless garage or submit bills for reimbursement
Will I lose my No Claim Bonus if I raise a claim?
Yes. Filing a claim typically resets your NCB unless you’ve opted for an “NCB Protection” add-on in your policy.
Can I transfer car insurance when selling my vehicle?
Yes. Car insurance can be transferred to the new owner, subject to insurer approval and documentation within a stipulated time.
