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Share your details

We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

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Second paragraph26 words

Share your details

We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

First paragraph25 words

Thank you for your interest!

Our team will contact you shortly to provide personalized assistance with your insurance plan. You can also reach out to us on 1800 266 1112

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Second paragraph25 words

Thank you for your interest!

Our team will contact you shortly to provide personalized assistance with your insurance plan. You can also reach out to us on 1800 266 1112

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Share your details

We respect your privacy. Your details are safe with us.

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We respect your privacy. Your details are safe with us.

First paragraph47 words

1. Third-party insurance policy

Third-party insurance is the mandatory minimum coverage required by law for all vehicle owners in India. This policy covers the cost of damages or injuries caused to a third party, including their vehicle, property, or person, in case of an accident caused by the insured vehicle.

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Second paragraph37 words

Step 1: Examine the coverage offered

· Third-party liability: This is the minimum legal requirement in India. It covers damages caused to a third party—be it their vehicle, property, or physical injury. However, it does not cover the damages to your car.

First paragraph48 words

Comprehensive insurance policy

Comprehensive insurance, also known as own damage cover , provides a higher level of protection compared to third-party liability insurance. In addition to covering third-party liabilities, a comprehensive policy also covers damages to the insured vehicle caused by accidents, theft, fire, natural disasters, and other specified perils.

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Second paragraph25 words

Step 1: Examine the coverage offered

· Comprehensive insurance: This type of policy offers wider protection, covering third-party liabilities and damages to your vehicle caused by accidents, natural calamities, or theft.

First paragraph35 words

1. Third-party insurance policy

However, it does not cover any damages to the insured vehicle itself or the owner-driver. The premium for third-party insurance is relatively affordable, making it accessible to a significant portion of the population.

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Second paragraph37 words

Step 1: Examine the coverage offered

· Third-party liability: This is the minimum legal requirement in India. It covers damages caused to a third party—be it their vehicle, property, or physical injury. However, it does not cover the damages to your car.

First paragraph33 words

Benefits of car insurance

4. No Claim Bonus (NCB): If you do not make any claims during a policy year, you can earn a No Claim Bonus , which translates to a discount on your premium upon renewal.

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4. Can I transfer my No Claim Bonus (NCB) if I switch insurers?

4. Can I transfer my No Claim Bonus (NCB) if I switch insurers?

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FAQs

3. Can I customise my car insurance policy with add-on covers? Yes, insurers offer various add-on covers that can be purchased alongside a comprehensive insurance policy to enhance your coverage.

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Second paragraph32 words

2. Are add-ons necessary for all car owners?

2. Are add-ons necessary for all car owners? Add-ons enhance coverage but aren’t mandatory. Assess your driving habits, car usage, and risk factors to choose the most relevant ones.

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FAQs

5. What should I do if I am involved in a car accident? If you are involved in a car accident, first ensure the safety of all parties involved, inform the police, and contact your insurance company immediately to initiate the claim process.

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Second paragraph9 words

5. What happens if my car insurance policy lapses?

5. What happens if my car insurance policy lapses?