Find the best car insurance plans
Car insurance offers financial protection to vehicle owners against expenses from accidents, theft, natural disasters, man-made incidents, and third-party damages. This policy ensures coverage for repair costs, legal liabilities, and losses, helping keep drivers secure and compliant with Indian laws.
Third-Party Car InsuranceComprehensive Car InsuranceStandalone Own DamageFind the Best Car Insurance Plan
Car Insurance Made Simple
Car insurance protects you and your vehicle. It provides financial assistance 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 cover third-party, own vehicle damage, or both with added flexibility.
Third Party Car Insurance
Mandatory minimum coverage protecting others from injury, death, or property damage, but excludes your own vehicle.
Comprehensive Car Insurance
Broad protection covering third-party liabilities plus your vehicle damages from accidents, theft, fire, or natural calamities.
Standalone OD Insurance
Covers damage to your vehicle only; third-party liability must be purchased separately.
Benefits of Car Insurance
Explore key advantages of having comprehensive car insurance policy coverage.
Legal Protection
Car insurance not only makes you conform to Indian motor vehicle regulations 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.
Complete Damage Coverage
Full motor insurance policies cover not only third-party obligations and damages to your own car but also provide extensive financial security in nearly all circumstances. This offers peace of mind by protecting you from accidents, theft, acts of nature, and unexpected incidents.
Convenient Repairs
Relish trouble-free and affordable vehicle repairs with full car 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 maintenance or accident repairs.
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.
Roadside Assistance
Get immediate roadside assistance during breakdowns, flat tires, or battery issues, ensuring safety, convenience, and peace of mind anytime, anywh ere.
NCB (No Claim Bonus) Protection
Retain your no‑claim discount even after filing a claim, helping you save more on future car insurance premiums.
Engine Protection
Provides coverage for engine damage caused by water ingress, oil leaks, accidents, or other unforeseen mechanical failures, ensuring peace of mind.
Zero Depreciation Cover
Claim the full repair or replacement amount without deductions for depreciation, ensuring complete financial protection and peace of mind.
Return to Invoice
Receive the full original invoice price of your vehicle if it is totally damaged or stolen, ensuring complete financial protection.
Consumables Cover
Covers expenses for consumables like engine oil, brake fluid, nuts, and bolts during repairs.
What is not covered under Comprehensive Car Insurance Policies
Know the exclusions and limits of comprehensive car insurance policy in India.
Normal Wear and Tear
General wear and tear of the car, including mechanical breakdowns and failures, are not covered.
Consequential Loss
Indirect damage (e.g., engine failure after waterlogging).
Driving Violations
Driving without a valid license or under alcohol/drug influence.
Unauthorized Use
Commercial use without cover or illegal/unlawful activities.
High-Risk Activities
Racing, speed testing, or intentional/ deliberate damage
Policy Limitations
Damages beyond policy period or outside coverage scope.
Simple & Fast Claim Procedure
We offer a fast, transparent, and convenient health insurance claim process in 4 easy steps
Cashless Claim
Inform your insurer
Notify your insurer immediately after an incident.
Survey
The surveyor inspects your vehicle at the network garage.
Fill the claim form
Submit the claim form and documents.
Approval Wait
The insurance company settles the bill directly with the garage.
Reimbursement Claim Settlement
Register the claim
Register the claim with your insurer.
Fill the claim form
Fill and submit the claim form with supporting documents.
Survey
The surveyor assesses the damage.
Approval Wait
After approval, you pay upfront and get reimbursed later.
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, 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. It's optional but highly recommended.
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, driver's age, 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 (up to 50%). NCB is transferable across insurers nationwide.
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
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.
What are common reasons for car insurance claim rejection?
- Driving without a valid license
- Using the car for racing or illegal activities
- Delay in notifying the insurer
- Breach of policy terms (e.g., excluded add-ons)
- Hiding vehicle modifications
