Two Wheeler Insurance
Private Car Insurance
Health Insurance
Life Insurance
Business Insurance
Cyber Insurance
Event Insurance
Fire Insurance
Home Insurance
Marine Insurance
Travel Insurance
Professional Indemnity Insurance
Workmen Compensation Insurance
Plans starting from ₹2,094/year
Plans starting from ₹2,094/year
Car Insurance Online in India -
Compare, Buy or Renew
Secure your car against covered events such as accidents, theft, fire,
natural calamities, and other unforeseen risks.
Explore car insurance policies offered by leading insurers and select
a plan that matches your vehicle, budget, and protection requirements.
Get a Car Insurance QuoteWhat Is Car Insurance?
Car insurance is a financial protection plan designed to cover certain losses and liabilities arising from the ownership or use of a vehicle.
Based on the type of policy selected, it may provide coverage for:
- Accidental damage to the insured car
- Theft of the vehicle
- Loss or damage caused by fire
- Damage resulting from covered natural calamities
- Damage caused to third-party property
- Bodily injury or death of a third party
- Personal accident protection, wherever applicable
Under Indian law, every vehicle used on a public road must have valid third-party motor insurance.
A comprehensive car insurance policy provides broader protection by generally combining mandatory third-party liability coverage with own-damage protection for the insured vehicle.
Get a Car Insurance Quote
Types of Car Insurance in India
Key Features of Car Insurance
Car insurance provides financial protection and legal compliance for vehicle owners. Key features include:
Financial Protection
Third-Party Liability Cover
Own-Car Damage Cover
Cashless Garage Service
Optional Add-On Covers
Online Purchase and Renewal
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
Types of Vehicle Insurance Policy
Choose a policy according to the type of vehicle, its usage, your budget, and your coverage expectations.
Third-Party Insurance
Provides protection against legal liability for third-party injury, death, or property damage. It does not compensate for damage to the insured vehicle.
Own-Damage Insurance
Covers eligible loss or damage to the insured vehicle caused by accidents, theft, fire, natural calamities, and other specified risks.
Comprehensive Insurance
Combines third-party liability protection with own-damage coverage, offering wider financial security.
Commercial Vehicle Insurance
Designed for vehicles used for commercial or business purposes, including taxis, trucks, buses, delivery vehicles, and vans.
Two-Wheeler Insurance
Things to Consider While Buying Car Insurance
Before finalising a car insurance policy, evaluate the following points:
A carefully selected policy can provide better coverage while helping you manage insurance costs effectively.
Factors That Affect Car Insurance Premium
The amount payable for car insurance is influenced by several factors.
Vehicle Make and Model
The brand, model, variant, market value, repair cost, and availability of spare parts can affect the premium. Vehicles with expensive components or higher repair costs may attract a higher insurance premium.
Car Age
As a car becomes older, its value generally decreases. The age of the vehicle can influence its Insured Declared Value, coverage requirements, and own-damage premium.
Engine Capacity
Cars with a higher engine capacity may carry a higher premium because of their value, performance, and associated repair or risk exposure.
Registration Location
The place where the vehicle is registered can influence the premium. Insurance pricing may vary depending on traffic density, accident frequency, theft exposure, and other location-based risks.
Understanding Third-Party, Own Damage & Comprehensive
Insurance with Policies365
Frequently Asked Questions About Car Insurance
Get answers to common insurance queries
Car insurance is a motor insurance policy that provides financial protection against specified vehicle damage, theft, accidents, and third-party liabilities.
Yes. A valid third-party car insurance policy is compulsory for every vehicle driven on a public road in India.
Third-party insurance covers eligible legal liabilities arising from injury, death, or property damage caused to another person.
Comprehensive insurance includes third-party liability protection and also covers specified loss or damage to the insured car.
The premium may be determined using factors such as:
- Make, model, and age of the car
- Vehicle registration location
- Engine capacity
- Type of policy selected
- Add-on covers chosen
- Insured Declared Value
- No Claim Bonus entitlement
- Deductible selected
- Previous claim history
No Claim Bonus is a renewal discount that may be offered when no eligible own-damage claim is made during the previous policy period.
It can reduce the own-damage portion of the renewal premium, subject to the insurer’s terms.
You may be required to submit or provide:
- Vehicle Registration Certificate
- Details of the existing or previous insurance policy
- Personal identification and contact information
- Vehicle details
- Previous claim information, where requested
You may be able to manage the premium by:
- Preserving your No Claim Bonus
- Comparing policies from different insurers
- Buying only relevant add-on covers
- Choosing a suitable voluntary deductible
- Installing an insurer-approved anti-theft device
- Renewing the policy before expiry
- Avoiding unnecessary claims for minor repairs
Add-ons are optional benefits that can be purchased by paying an additional premium.
Common car insurance add-ons include:
- Zero depreciation cover
- Engine protection cover
- Roadside assistance cover
- Return to Invoice cover
- Consumables cover
- Tyre protection cover
- Key replacement cover
Inform the insurer as soon as possible after the incident.
You may then need to submit the required documents, arrange a vehicle inspection, complete the claim form, and follow the repair or reimbursement process specified by the insurer.
For a cashless claim, the vehicle should be taken to an eligible network garage.
A cashless claim allows the insurer to directly settle the approved repair amount with an authorised network garage.
The policyholder must pay applicable deductibles, depreciation, consumables, and other non-covered charges.
Car insurance should be renewed before the current policy expires.
Timely renewal helps prevent a break in coverage and may protect eligible benefits such as the No Claim Bonus.
Yes. You may change your insurance provider when renewing the policy.
Your eligible No Claim Bonus can generally be transferred to the new insurer after the required verification and documentation process.
As a Composite Broker, we partner with all private and public sector insurers to provide comprehensive General, Life, and Reinsurance solutions.
