Compare the most popular Indian car insurances in the list below. Find out the details of each policy and buy or renew your quote directly online.
Compare the most popular Indian car insurances in the list below . » read more
Compare the most popular Indian car insurances in the list below. Find out the details of each policy and buy or renew your quote directly online.
» read less
Basic insurance plan with 13 add-ons to choose from for extra protection. Flexibility on plans and unique additional services.
Certified and trustworthy insurer. You will find more than 5,000 cashless garages to repair your vehicle when in need.
Offers complete coverage with two policy plans to choose from depending on what you find important. Check out the options.
Provides full coverage and several adds-on options. Premiums are a bit higher, but more discounts are available.
Large insurer that offers low priced premiums and big flexibility in add-on services. Discover the insurance plans and their coverage.
Basic insurance plan with 13 add-ons to choose from for extra protection. Flexibility on plans and unique additional services.
Nowadays, car insurance in India is obligatory due to the Motor Vehicles Act of India. Every vehicle driving in the country should be insured at least under the minimum insurance plan for damages caused by third parties.
Third Party car insurance: This is the most basic type of insurance you can opt for in India and is obligatory by law. The pricing is fixed and depends on the engine capacity of the insured vehicle. For less than 1,000 cc the premium rate is Rs. 2,055, between 1,000 cc and 1,500 cc it is Rs. 2,864 and for more than 1,500 cc it costs Rs. 7,890. These are the premiums applied for one-year insurance to all companies.
Comprehensive Car insurance: This plan not only covers vehicles from third party liability but also from damages caused to the insured vehicle. Moreover, it covers personal accidents of the car owner and driver. This is important and recommended coverage. The premiums of this plan differ between the providers and the details of the insured vehicle.
Add-ons: In addition to the comprehensive plan you can opt for additional extra services such as the protection and coverage of passengers, road assistance and coverage of depreciation costs or engine protection. These services come at a higher premium and vary depending on the insurer. Someone can determine what is important and opt for them while buying a new policy.
The premium or price of your policy is customized and depends on several factors.
Vehicle details: The car model, age and engine capacity details as well as the IDV (Insured Declare Value).
No Claim Bonus: Careful drivers with no accidents in the previous year will normally be rewarded with a lower premium. When you renew your policy with another insurer, you can normally transfer this bonus.
City driving: Major cities are perceived as riskier whereas rural areas are considered safer for driving. If you drive in a big city the premium can be higher than the rest of the country.
Discounts: Anti-theft machines on the car, zero claim bonus, membership of automobile associations and some other possibilities can reduce the premium.
Add-ons: Adding extra services increases the premium of the policy.
You can easily get a personalized premium online on the insurer’s website by using their online calculator.
Yes, application is possible online. You can choose the plan that best suits your needs, determine the add-ons and the discounts you can get and fill in your car details and personal info. In a few clicks you can get or renew your car policy. You can pay for the premium easily online with credit or debit card or by using net banking.
