Car Insurance in India
Protect your car with the right plan — third-party, comprehensive or own-damage. Share your details and our team will call you with the best options for your car.
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Types of car insurance
- Third-party — mandatory by law; covers damage or injury to others.
- Comprehensive — third-party cover plus damage to your own car from accidents, theft, fire and natural calamities.
- Own-damage — standalone cover for your car if you already hold a long-term third-party policy.
What affects your premium?
- The make, model, age and engine size of the car.
- The Insured Declared Value (IDV) you choose.
- Your No Claim Bonus and claim history.
- City of registration and chosen add-ons.
How it works
- Fill the short form with your name, phone and city.
- Our team calls you and understands your car and needs.
- Compare plans and add-ons from multiple insurers.
- Buy or renew the policy and receive it by email.
Thinking about total ownership cost? Check the cost per km calculator.
Frequently asked questions
What is the difference between third-party and comprehensive car insurance?
Third-party insurance is mandatory by law and covers damage or injury you cause to other people and their property. Comprehensive insurance also covers damage to your own car from accidents, theft, fire, floods and other events.
What is No Claim Bonus (NCB)?
NCB is a discount on your own-damage premium for every claim-free year, rising up to 50% after five years. It belongs to you, not the car, and can be carried over when you change your car or insurer.
What is IDV (Insured Declared Value)?
IDV is the maximum amount the insurer pays if your car is stolen or damaged beyond repair. It is the market value of the car minus depreciation. A higher IDV means a higher premium.
What happens if my car insurance policy expires?
You can lose the No Claim Bonus if the policy lapses for long, the car may need an inspection before renewal, and driving without valid insurance can attract a fine. Renew before the expiry date.
Which add-ons are worth buying?
Zero depreciation, engine protection, roadside assistance and return-to-invoice are the most useful, depending on how old your car is and where you drive. Compare the add-on cost against the cover it gives.
How do I make a claim?
Inform your insurer immediately, share photos and the policy details, file an FIR for theft or major accidents, and take the car to a network garage for cashless repairs.