Plans starting from ₹2,094/year

Compare & Save Big on
Car Insurance

Get instant quotes from top insurers and choose the best
coverage for your car.

Car Insurance – Policies365

Secure Your Drive with Reliable Car Insurance

Car insurance is essential for protecting your vehicle from unexpected damages, accidents, and financial losses. At Policies 365, we provide reliable car insurance solutions that give you peace of mind every time you drive. Our motor insurance plans cover damages caused by accidents, natural disasters, theft, and third-party liabilities.

With flexible vehicle insurance options, you can choose coverage that suits your budget and driving needs. Policies 365 also offers benefits like cashless repairs at network garages and 24×7 roadside assistance. Buying or renewing car insurance online is simple and quick with our easy process and instant policy issuance.

Choose Policies 365 for trusted motor insurance and comprehensive vehicle insurance that keeps you protected on every journey.

Request Car Insurance Quote

+91
Top Car Insurance Plans
Comprehensive
Third Party
Own Damage

Comprehensive

Cashless Garages
Claims Settled
Starting Price
Tata Aig
10000+
99%
₹6,000
Hdfc Ergo
12,277+
98%
₹6,500
Go Digit
10,000+
97%
₹5,500
Zurich Kotak
6,499+
97%
₹6,000
Future Generali Insurance
3,500+
96%
₹5,500
ICICI Lombard
13,000+
98%
₹6,500
Bajaj General Insurance
7,200+
97%
₹6,000
Load More

Third Party

Cashless Garages
Claims Settled
Starting Price
SBI Car Insurance
6,973+
98%
₹3,067
Generali Central Compreh...
4,000+
93%
₹3,225
Zurich Kotak Comprehen...
4,000+
99%
₹3,374
National Comprehensive...
3,100+
86%
₹2,757
Load More

Own Damage

Cashless Garages
Claims Settled
Starting Price
SBI Car Insurance
6,973+
98%
₹3,067
Generali Central Compreh...
4,000+
93%
₹3,225
Zurich Kotak Comprehen...
4,000+
99%
₹3,374
National Comprehensive...
3,100+
86%
₹2,757
Load More
Features of Car Insurance

Car insurance provides financial protection and legal compliance for vehicle owners. Key features include:

Complete Protection

Our car insurance covers accidents, theft, and natural disasters.

Reliable Motor Insurance

Get motor insurance with third-party and own-damage coverage

Flexible Vehicle Insurance

Choose vehicle insurance plans that suit your needs and budget.

Fast Online Process

Car insurance online purchase and renewal made simple.

Instant Policy

Buy car insurance online in minutes with Policies 365.

Quick Claim Settlement

Fast, Hassle-Free Claims When You Need Them Most.

Types of Vehicle Insurance Policy

Car insurance policies generally fall into the following categories:


Comprehensive Car Insurance Policy

Comprehensive Car Insurance Policy

Covers your car and third-party liabilities. Ideal to compare car insurance options for full protection.

Third-Party Motor Insurance Policy

Third-Party Motor Insurance Policy

Mandatory motor insurance policy covering damages or injuries to others.

Zero Depreciation Car Insurance

Zero Depreciation Car Insurance

Ensures full claim without depreciation deduction, perfect for the best car insurance in India.

Vehicle Insurance Policy with Add-Ons

Vehicle Insurance Policy with Add-Ons

Add features like roadside assistance and engine protection for extra coverage.

Budget-Friendly Car Insurance

Budget-Friendly Car Insurance

Find the cheapest car insurance without compromising essential protection.

Short-Term Car Insurance Policy

Short-Term Car Insurance Policy

Temporary car insurance policy for leased, rented, or occasional-use vehicles.

Coverages Under Car Insurance

A typical car insurance policy may cover the following:

Accidents, theft, fire & natural disaster protection

Third-party liability coverage

Add-ons like roadside assistance & zero depreciation

Quick car insurance online purchase & renewal

Easy car insurance claim process

Coverage for personal accident of the driver and passengers

Cashless repairs at network garages

Continuous protection with timely vehicle insurance renewal

Optional coverage for engine, electrical, and tyre damages

24×7 customer support and assistance

Understanding Third-Party, Own Damage & Comprehensive
Insurance with Policies365
Features
Third Party Insurance
Own Damage Insurance
Comprehensive Insurance
Covers Damage Caused to Others
Covers Repair or Replacement of Your Car
Legally Required Minimum Coverage
Financial Protection for All Damages
Basic protection
Protection for your car only
Full protection, including third-party and own damages
Claim Settlement Options
Protection for your car only
Covers own vehicle claims
Drivers wanting their own vehicle cover
Ideal for
Full protection, including third-party and own damages
Covers both own and third-party claims
Drivers seeking complete peace of mind
Load More
Why Buy Car Insurance?

Car insurance is not only a legal requirement but also a financial safeguard. Key reasons to buy car insurance:

Protects against financial loss from accidents or theft

Covers third-party damages and legal liabilities

Ensures peace of mind while driving

Helps with repair costs through cashless services

Provides 24×7 roadside assistance & emergency support

Mandatory by law for all vehicle owners

Easy to buy and renew car insurance online with Policies 365

Things to Consider While Buying Car Insurance

Before purchasing a policy, consider the following factors:

Type of car insurance coverage you need (third-party, own damage, or comprehensive)

Insurer’s claim settlement ratio for smooth claim processing

Availability of network garages for cashless repairs

Balance between policy premiums and benefits offered

Add-on covers like zero depreciation, roadside assistance, and engine protection

No Claim Bonus (NCB) benefits to save on renewals

Quality of customer service and ease of the car insurance claim process

Choosing the right policy ensures better protection and cost efficiency.

Factors That Affect Car Insurance Premium

Your car insurance premium depends on several important factors

Vehicle Make and Model

Vehicle Make and Model

Different car models have varying risk levels and repair costs, which influence the premium amount.

Car Age

Car Age

Older cars generally have lower values, so coverage needs and premiums may change accordingly.

Engine Capacity

Engine Capacity

Cars with larger engines typically have higher premiums due to increased repair and risk costs.

Registration Location

Registration Location

The city or area where your vehicles registered can affect the premium, as risk levels vary by location.

Engine Capacity

Engine Capacity

Cars with larger engines typically have higher premiums due to increased repair and risk costs.

Frequently Asked Questions About Insurance

Get answers to common insurance queries

What is bike insurance?

Bike insurance is a policy that helps protect your two-wheeler financially if it gets damaged, stolen, or involved in an accident. It can also cover expenses if your bike causes damage or injury to someone else.

Is bike insurance mandatory in India?

Yes. According to Indian motor vehicle laws, every bike owner must have at least third-party insurance to legally ride on public roads.

Can I buy bike insurance online?

Yes, buying bike insurance online is quick and convenient. You can compare different plans, choose the coverage that suits your needs, and purchase the policy in just a few minutes.

What does IDV mean in bike insurance?

IDV (Insured Declared Value) is the estimated current market value of your bike. It determines the maximum amount you can receive from the insurer if your bike is stolen or declared a total loss.

How can I lower my bike insurance premium?

You can reduce your premium by choosing the right IDV, avoiding unnecessary add-ons, maintaining a good claim history, and comparing multiple insurance plans before buying.

enquire now