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What Is A Deductible In Car Insurance And How Does It Work?

13 August 2026

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How Is Car Insurance Premium Calculated?

13 August 2026

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Thank you for your interest!

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Expert Note

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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Expert Note

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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Is a Deductible Applicable in All Types of Insurance Policies?

If you're not sure what your insurance covers , reading detailed explanations of what it does cover can help you better understand. Protect your engine from flood damage with the right add-on

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What Role Does No Claim Bonus Play in Premium Calculation?

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What is a Deductible in Car Insurance?

Most of the time, there are two kinds: required and optional. There are rules requiring you to pay the mandatory deductible. The voluntary deductible is an amount you choose when you buy the insurance.

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How Do Deductibles Influence Premium Amount?

1. Compulsory deductible (fixed as per regulation) 2. Voluntary deductible (chosen by policyholder)