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      Car Insurance

      Car insurance also known as vehicle insurance provides financial coverage to the insured car against road accidents, theft, and fire. It also covers damages due to natural calamities, animal attacks, and manmade acts, along with third-party death or property damages. Having a valid third-party insurance policy ensures that you comply with the laws of the Motor Vehicles Act, 1988.

      Read more

      What is Car Insurance?

      A car insurance policy is a contract between a car owner and an insurance provider. In exchange for a nominal premium, insurance companies offer financial protection to four-wheelers from unforeseen events like accidents, theft, fire, calamities and third-party liabilities. With a valid car insurance policy, you can also save yourself from heavy traffic fines.

      Three types of motor insurance policies are third-party, own damage and comprehensive car insurance. Moreover, a car owner can buy a Personal Accident Cover of up to INR 15 Lakh to cover the death, injuries and disability of the owner and driver of the insured car.

      expert-advice-quotes
      Directly from Experts

      If you drive your car less frequently or have more than one car, opting for a Pay As You Drive (PAYD) insurance can offer you great savings. The premium for such plans are based on the actual kilometres driven in a particular year.

      Simply put, if you drive less, say 5,000 km/year, you will only pay the premium for the actual distance covered. Such plans offer multiple customised driving limit ranges to choose from. If the driving limit is exhausted, the customers can recharge/top-up the limit when needed.

      The unique advantage offered here is the flexibility in premiums. Thus, policyholders are not burdened with one-premium-for-all, encouraging affordability and responsible driving. At Policybazaar, we have tied up with many insurers who offer such customised car insurance plans.

      Read more
      Nitin Kumar
      Business Head – Car Insurance
      Nitin Kumar

      Key Features of Car Insurance Policy

      Categories Key Features
      Third-party damages Death, injuries & property damages
      Own damage cover Available under standalone and comprehensive
      No Claim Bonus Up to 50%
      Car insurance premium Starting at ₹2094*
      Discounts Anti-theft, NCB, Deductibles, AAI Membership
      Add-on covers More than 10 add-ons such as Zero dep, NCB protect, Roadside assistance, etc.
      Buying/Renewal Process Online
      Personal accident cover Up to ₹15 lakh
      Cashless Garages/Repairs Available

      *TP price for less than 1000 CC cars. **All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

      Why Do You Need Comprehensive Car Insurance?

      Here are the top 4 benefits of having car insurance:

      1. To Abide by Law - Car insurance helps you to abide by mandatory law of the Motor Vehicles Act, 1988. This law requires all four-wheelers in India to have at least third-party insurance to legally drive on roads and avoid paying a hefty fine.
      2. Safeguard Against Third-Party Liability - Four-wheeler insurance protects you against financial losses that could occur due to damages to third-party property (up to Rs 7.5 Lakh) and offer unlimited coverage for third-party death. The compensation for third party death/disability is decided by the Motor Accident Claims Tribunal.
      3. Protection Against Own Damages - It covers damages sustained by the car due to an accident, fire, natural or man-made calamity. It also pays monetary compensation up to the IDV in case your car gets stolen.
      4. Have Personal Accident Cover - It is a mandatory cover in addition to your car insurance policy. It reimburses your medical costs or offers compensation in case of death or disability caused by accidents. Get an affordable personal accident cover of Rs. 15 lakh for the owner-driver of the car.

      ₹102 Cr worth of claims assisted in 2022-2023
      How we helped our customers

      Types of Car Insurance Policies

      In India, there are three types of car insurance policies offered by the general insurance companies i.e. third-party car insurance, comprehensive insurance, and stand-alone insurance. You can choose a car insurance plan according to your budget and need.

      • Third-Party Car Insurance

        Third-party or liability only policy is mandatory for all the vehicle owners to drive on the Indian roads. Compensation is provided for death/injuries caused to a third-person, and property damage(up to Rs 7.5 lakh). However, it does not cover damages caused to the insured car.

      • Comprehensive Car Insurance

        A comprehensive car insurance policy covers both third-party liabilities and own damages. Under this plan, the insured person can avail cashless repair services at the network garages. Furthermore, the policyholder can enhance the policy coverage with add-ons or riders such as roadside assistance cover, zero depreciation cover, etc. by paying a nominal amount of extra premium.

      • Standalone Own Damage

        A standalone own damage car policy financially covers accidental damages caused to the insured car. It can be purchased with an active third-party insurance policy. In India, as per the Motor Vehicles Act, it is mandatory to hold at least a third-party cover for all car owners. However, having standalone insurance offers financial help in case of own-damages to the insured car and third-party liabilities as well.

      Third Party Car Insurance vs Comprehensive Car Insurance

      To help you choose the right car policy, here is a table comparing features offered under different types of car insurance policies in India:

      Coverage Offered Third-party Car Insurance Comprehensive Car Insurance
      Third-party property damage Offers compensation of up to Rs. 7.5 lakh for property damage.  Covered. Offers compensation of up to Rs. 7.5 lakh for property damage. 
      Third-party bodily injury/death Unlimited compensation for death and disability of third party due to the insured car. Unlimited compensation is offered as per the Motor Claims Tribunals for the death and disability of a third party due to the insured car.
      Own damages of the car Only third-party liabilities are covered. Does not cover own damages. Own damages arising from an accident, theft, fire, calamities, etc, are covered. 
      Insurance Premium Lower. As decided by IRDAI. Higher. Covers both third party and own damages.
      Car theft No coverage is offered for the insured’s car theft.  Partial or total losses arising out of the theft of the insured car are covered up to the vehicle’s IDV.
      Personal accident coverage Yes, PA cover of up to Rs. 15 lakh can be purchased with the policy.  PA cover of up to Rs.15 lakh is offered for the driver/owner.
      Availability of add-ons Cannot be customised by add-ons.  Can be customised by add-ons like zero dep, NCB Protect, Consumables cover, etc. 

      To get an instant quote, It takes a few minutes to buy or renew car insurance online. You need to enter your car details, contact information and other asked details to choose the policy as per your need on Policybazaar.com.

      How to Choose the Right Car Insurance Policy Online?

      While selecting a car insurance policy, there are multiple factors, like scope of coverage, claim settlement ratio, cashless repairs, etc., that can help you choose the right car policy. Some of them are listed below:

      • Pick an Appropriate Policy Coverage – Third-party insurance will be sufficient to save you from paying traffic challan. But if you want complete protection for your vehicle, then a comprehensive policy must be bought.
      • Choose a Suitable IDV – Go for an IDV that is closer to the market value of your car. A lower IDV can reduce your premium but can increase your out-of-pocket expenses during claim settlement. To get the right IDV to choose, a policyholder can also make use of an IDV calculator online.
      • Check the Insurer Claim Settlement Ratio (CSR) – Make sure to check the claim settlement ratio of the insurance company before buying the car policy. A lower CSR indicates a lower chance of your claims getting settled, and thus, an insurer with a higher CSR is recommended.
      • Check for Cashless Garages in Your City – Check the number of cashless network garages registered in the area where you reside. It will broaden the scope of availing the cashless facility without paying the cash from your own pocket..
      • Look at the Claim Process – Opt for an insurance company that promises an easy claim process, 24x7 claim support and a faster claim settlement.
      • Compare Car Plans Online – Make sure to compare multiple 4-wheeler insurance plans online so that you can find the best-suited plan within your budget.
      • Customer Assistance - 24x7 customer assistance is one of the vital factors to look at while choosing an insurance company. This will help you to settle your queries and claims at your convenience.
      Read More

      Should You Buy/Renew Car Insurance Online or Offline?

      Undoubtedly, you should renew car insurance policy online. It is extremely convenient and saves you a lot of time. Neither do you have to get an appointment with the insurance agent, nor do you have to wait at the insurer’s office for your turn. You also do not have to fill out several forms or check the office timings to renew your policy. Just a few clicks, and you can renew your car policy online anytime, anywhere.

      Moreover, you can make an informed decision by choosing the best car insurance policy for your vehicle online at Policybazaar.com. Doing so will also prevent you from getting influenced by an agent and from buying an unsuited policy.

      Categories Buying Car Insurance Online Buying Car Insurance Offline
      Buying Process Can be purchased online from the insurer’s official website or Policybazaar.com using a smartphone or laptop. Requires physical visit to the insurer’s office or by connecting with the agent
      Insurance Premium Lower premiums due to the absence of agents. Higher premiums due to higher operational costs and involvement of agents.
      Convenience More convenient as it only requires a smartphone and a good internet connection. Less convenient as customers need to meet with the insurance agent.
      Transparency More transparent as there is no role of an agent or intermediary. There is less transparency as agents play a big role.
      Customer Support Easy to connect with the customer support team 24x7 via emails and calls. Policyholders can connect with the customer support team or the agent during office hours.
      Paperwork Minimum to zero paperwork. May require a lot of paperwork.
      Renewal Process Easy to renew as the policyholder’s details are auto-saved with the insurer The renewal process is cumbersome and takes time.

      Coverage Under Car Insurance Policy

      • What is Covered
      • What is Not Covered
      • Third Party Liabilities - Damages caused by the insured car to the third party are covered under the comprehensive car insurance policy. These liabilities include third-party death, disability and property damages.
      • Accidents - Damages sustained by the insured vehicle due to road accidents or collisions are covered in the comprehensive insurance policy.
      • Theft - Any partial or total loss sustained by the insured car due to theft or burglary is covered under the car insurance policy. An amount equal to the car's IDV is compensated in theft cases.
      • Natural Calamities - Damages caused to the insured car due to earthquakes, cyclones, typhoons, hurricanes and other natural disasters are covered.
      • Man-made Acts - Damages sustained by the insured car due to manmade acts like strikes, riots, terrorist activities, etc, are included in policy coverage.
      • Fire - Losses to the insured car due to fire, self-ignition or explosion are covered under the comprehensive insurance plan.
      • Animal Attack - Accidental damages sustained by the insured car due to animal attacks or rat bites are also covered under the car policy.
      • In-transit Damages - Any damage sustained by the insured vehicle while it was in transit via road, water, rail and air are covered under the four-wheeler insurance policy.
      • Car's Depreciation - Any depreciation/wear and tear sustained by the car and its parts over time is not covered under a comprehensive insurance policy.
      • Invalid Driving License - Damages sustained by the insured car when being driven without a valid driving license are also not covered under the policy coverage.
      • Drunk Driving - Accidental damages sustained by the insured car when the driver was under the influence of alcohol or drugs are not covered.
      • Outside Geographical Limits - Claims cannot be raised for damages to the insured car when driven outside the geographical limits, as mentioned in the policy wording.
      • Mechanical Failure - If the car sustains mechanical or electrical failure, such damages will not be covered under the motor insurance policy.
      • Illegal Driving - Damages sustained by the insured vehicle when being driven illegally, such as in a race or using the vehicle for unlawful purposes.

      Best Car Insurance Companies in India 2023-24

      The following table shows the complete list of the best car insurance companies in India with their claim settlement ratio and the number of network garages offered by the car insurers:

      Car Insurers Network Garages Claim Settlement Ratio
      Bajaj Allianz Car Insurance 4000 98.5%
      Chola MS Car Insurance 4636 96%
      Digit Car Insurance Repair Anywhere 96%
      Future Generali Car Insurance 3500 96.3%
      HDFC ERGO Car Insurance 8200 99%
      ICICI Lombard Car Insurance 5900 96.75%
      IFFCO Tokio Car Insurance 4300 95.8%
      Kotak Mahindra Car Insurance 2327 98%
      Liberty Car Insurance 4500 98%
      Magma HDI Car Insurance 4000 96.6%
      National Car Insurance 3100 93%
      New India Assurance Car Insurance 3000 95%
      Oriental Car Insurance 3100 94%
      Raheja QBE Car Insurance 1300 92%
      Reliance Car Insurance 8200 98%
      Royal Sundaram Car Insurance 3300 98.6%
      SBI Car Insurance 16000 100%
      Shriram Car Insurance 2000 96%
      Tata AIG Car Insurance 7500 N/A
      United India Car Insurance 3100 95%
      Universal Sompo Car Insurance 3500 96%
      Zuno Car Insurance 1500 98%
      See More Plans

      Add-On Covers in Car Insurance Policy

      Add-ons in motor insurance are covers that can be used to enhance the coverage of your existing policy. You can purchase these add-ons by paying some extra premium.

      Let's discuss car insurance add-Ons in more detail:

      • Zero Depreciation Cover

        A zero depreciation or bumper-to-bumper cover offers compensation even for the depreciating value of your car. A standard car insurance policy does not cover the depreciation sustained by the car and its parts. However, this addon offers this coverage, and the policyholder will not have to pay for the depreciation value of the vehicle’s parts. This cover is subject to specific claims during the policy period. Compulsory and voluntary deductibles (as per the case) will be applicable despite zero depreciation cover.

      • No Claim Bonus Protection Cover

        An NCB Protect cover is a very useful add-on that helps a policyholder save up on his/her car insurance premium even after raising a claim during a policy year. With this add-on, a policyholder can make a car insurance claim and still get a discount of 20% to 50% on his/her car insurance renewal premium.

      • Engine Protection Cover

        An engine is one of the most important parts of a car but it is not covered under a comprehensive plan. With an engine protection cover, you can get compensated for the cost of fixing the indirect damages that are caused to the engine due to lubricating oil leakage and water ingression. It covers the Gearbox parts, Engine parts, and differential​ Parts.

      • Pay as You Drive Cover

        A Pay as you drive car insurance plan is an additional cover available with a comprehensive car insurance policy. This add-on allows a policyholder to save up on own damage premium based on the number of kilometres driven in a policy year. Currently, few insurers are offering this add-on with a comprehensive car policy. This add-on is very useful for car owners who do not drive their cars regularly or own more than one car.

      • Consumables Cover

        Sometimes, a bunch of unforeseen expenses can drain all your savings. Consumables Cover includes all the expenses incurred on consumable items for any perils that are covered under the policy. Consumable items include screws, nuts and bolts, washers, AC gas, grease, lubricants, bearings, clips, engine oil, distilled water, oil filter, brake oil, and fuel filter.

      • Key Protection Cover​

        Once in a lifetime everyone would have lost or misplaced their car keys. In such cases, the insurer can cover the costs incurred on the replacement and repair of your car keys under key protection cover.

      • Daily Allowance Benefit​​​​​

        Daily allowance add-on comes to your rescue when your vehicle is parked in the garage after an accident for repair. Under this add-on the insurer will provide you a daily travel allowance if the damaged vehicle is in the garage for more than 3 days.

      • Personal Accident Cover:

        A comprehensive car policy not only provides third-party cover but as well as offers cover against personal accidents. In personal accident cover, you get a pre-defined amount against death because of the accident and permanent total disability. In addition to this, one can purchase this cover for co-passengers as well even on an unnamed basis, which will be maximum as per the seating capacity of the vehicle. However, the amount of coverage is pre-determined even in this case.

      • Roadside Assistance Cover

        In case you get stuck somewhere in the country within the specified distance as mentioned in the insurance policy, the insurer provides you with roadside assistance and sends a mechanic to your location to fix the damage caused to your car. Roadside assistance cover is not counted as a claim, thus your NCB stays the same.

      • Return To Invoice Cover

        Under Return to invoice add-on cover, if your car gets stolen or gets damaged beyond repair that is total loss then the insurer will have to provide coverage as per the amount of invoice that you paid at the time of purchasing the car. This cover includes ex-showroom price, road tax and first-time registration charges.

      • Personal Possession Cover

        With personal possession add-on cover, you get the coverage in case your personal possessions get damaged in an unfortunate car accident or get stolen from the car when it is parked in authorised parking, There is a limit on a coverage amount that varies from insurer to insurer.

      • Tyre Protection Cover

        A comprehensive plan does not provide coverage in case the tyres of the car get damaged. Thus, a tyre protection cover can be purchased to cover any damages sustained by your car’s tyres and tubes.

      • Driver and Passenger Cover

        Under this add-on, you get coverage in case any of the drivers or passengers get injured in the accident. The insurer will provide financial aid for the medical expenses.

      Read More

      Factors Affecting Car Insurance Premium

      Car insurance price is decided based on several factors. It is also easy to find out the four wheeler insurance premium using an online car insurance premium calculator. However, the insurance provider takes into consideration the following parameters before fixing the auto insurance price:

      • Type of Cover - The standard premium of your car policy is decided based on the type of coverage you opt for your four-wheeler. Basically third party insurance carries the lowest premium as it only covers third party damages. The premium becomes higher if you add own damages cover to it or purchase comprehensive four-wheeler insurance.
      • Personal Accident Cover - Personal accident cover is provided in both third-party and comprehensive car insurance policies. The coverage limit is upto Rs. 15 lakh and it can be purchased by paying a nominal extra premium.
      • Insured Declared Value - IDV, which is the current market value of the car. It is the maximum amount for which the policyholder can raise a claim during the policy term. The higher the car's value means higher IDV and vice versa.
      • Make & Model - The make and model of the car you want to get insured plays a significant role in deciding the premium. Insuring a higher-end car model would be costlier than insuring a base model of the same car. The reason being the higher cost of repair or replacement of their parts
      • Fuel Type - Repairing a diesel or CNG car is an expensive affair than repairing petrol cars. Therefore, insuring a petrol car will cost less in comparison with the other fuel-types like CNG, LPG, and EV.
      • Location - The geographical location of the insured car also impacts the final cost of policy premium. Usually, the premium is higher in metropolitan cities due to denser traffic, and also considering the higher probability of accidental damages on the city roads.
      • Year of Manufacture - The manufacturing year of the insured vehicle is also taken into consideration when deciding the car insurance premiums. Usually, insuring newly launched vehicles can be expensive since their spare parts might not be available in the market.
      • Add-on Covers - Enhancing the policy coverage with a car add-on cover or a rider benefit like roadside assistance, zero depreciation will increase the premium. However, it can be purchased only with a comprehensive car insurance plan. Therefore, buying add-on covers will increase the premium.
      • Claim History - If the policyholder has not filed any claims during the policy term, the insurer provides the benefit of a No Claim Bonus on their own-damage premium which results in a reduced premium.
      Read More

      How to Calculate New Car Insurance Price Online?

      The new car insurance rates for third-party insurance for all cars are decided by the IRDAI based on the engine capacity of the car.

      The own damage premium for new cars can be calculated in two ways:

      1. Using Car Insurance Calculator

      The easiest method to calculate the car insurance amount for a new car is by using a Car Insurance Premium Calculator. Simply visit the calculator on Policybazaar.com and enter your car details like make model, variant, and ex-showroom price, and the calculator will calculate the estimated new car insurance price along with the IDV of your four-wheeler.

      2. Calculating New Car Insurance Cost via Formula

      An OD insurance premium for a new car can also be calculated by using the following formula:

      OD Premium = Car’s IDV * Premium Rate (decided by the insurer) + Add-Ons – Discount & benefits (no claim bonus, theft discount, etc.)

      IDV or the Insured Declared Value of the car can be calculated by using the following formula:

      Insured Declared Value = (Current market value – the depreciation value) + (Cost of vehicle accessories - the depreciation value of these parts)

      Tips to Reduce Car Insurance Premium

      Here are 6 easy tips that a policyholder can follow to reduce four-wheeler insurance cost:

      1. Compare Plans

        Choosing the right car insurance policy is of utmost importance. Few insurers offer policies at cheap rates but with fewer features, and vice versa. Therefore, to get the best car insurance policy at an affordable premium, a policyholder must compare car insurance policies online beforehand.

      2. Install Security Devices

        Installing security devices like anti-theft devices can be beneficial in two ways. Firstly, getting an anti-theft device installed can protect your four-wheeler from theft and burglary incidents. Secondly, an ARAI approved security device can also get you a discount of upto 2.5% or a maximum of Rs. 500, thus helping you save on your car insurance premium.

      3. Avoid Unnecessary Modifications

        Your car’s value increases with every new modification done to your four-wheeler. A higher car value increases the insurer’s liability, thus resulting in a higher insurance price. So, make sure to avoid any unnecessary modification to your car to avoid paying a higher premium.

      4. Opt for Pay as You Drive Insurance

        If you are an occasional driver or drive your car for a certain distance, then purchasing Pay as you Drive insurance can be fruitful for you. With the help of Pay as you drive car insurance, you will only pay a premium for the kilometres your car will cover. Thus, the less you drive, the lower will be your motor insurance premium.

      5. Select Add-ons Judiciously

        To get car insurance at a cost-effective premium, select only those add-ons that suit your car type and requirements. Buying unnecessary add-ons will only increase your premium amount.

      6. Renew Before Expiry

        Renewing your policy after it has expired will result in a policy lapse, increasing your next renewal premium and nullifying your NCB. So, if you don’t want to pay a higher premium on motor insurance premium, make sure to renew your car policy on time.

      Benefits of Buying Car Insurance Online

      Take a look at the top 6 benefits of buying car insurance online:

      • Instant Quotes – You can get premium quotes instantly by just entering the details of your car on buying insurance online. Policybazaar.com offers instant quotes from more than 20 insurers online.
      • Lower Premiums – Purchasing 4-wheeler insurance is more affordable online than it is offline. This is because insurers save on operational costs online and, thus, charge lower premiums to vehicle owners.
      • Easy to Compare – You can easily compare four-wheeler insurance plans from different insurers online, which is not possible offline. Policybazaar.com allows you to compare plans from multiple insurers so that you buy the right plan as per your needs and budget.
      • Fast & Convenient – The process of buying insurance for your car is faster and extremely convenient online. You don’t have to meet with an insurance agent or visit the insurer’s office to buy the policy. Just enter the required details, pick the most suitable plan and your policy will be issued within a few minutes.
      • Zero Paperwork – You can buy car insurance online without any paperwork. You don’t need to fill out several physical forms to purchase the policy. Instead, you just need to fill out a short online form and pay the premium to get the policy issued.
      • Easy to Check Insurer’s Credibility – You can also go through customer reviews, claim settlement ratio and incurred claim ratio of an insurer online to check its credibility.
      Read More

      How to Buy Car Insurance Online?

      To buy a car insurance policy online from Policybazaar.com, follow the steps given below:

      • From the website’s homepage, click on the “Car Insurance” tab
      • Enter your car number or select ‘Brand New Car’
      • Select your car details like model, variant, fuel type, and registration date
      • Fill in the registration form and proceed further.
      • From the mentioned four-wheeler insurance plans of the best car insurance companies, select the one that suits your budget
      • You can also add or remove any add-on as per your requirement from the ‘Addons and Accessories’ tab. However, you can only purchase add-ons if you are purchasing a comprehensive plan.
      • Once you are done with it, you can proceed to make the payment online
      • You can use your debit/credit card, UPI, and net banking to pay the premium amount.
      • Once the payment is done, the insurer will send you the policy documents to your registered email ID as well as your home address.
      Read More

      Car Insurance for Popular Brands in India

      Maruti Car Insurance
      Tata Car Insurance
      Hyundai Car Insurance
      Honda Car Insurance
      MG Car Insurance
      Kia Car Insurance
      Toyota Car Insurance

      Documents Required to Avail Car Insurance Online

      When you purchase or renew a car insurance policy online from Policybazaar.com, you do not need any documentation or paperwork. However, there are some details that you will need to have handy with you during the process. These include:

      • RC - Owner name, make-model-variant, engine no, chassis no, car cc, fuel type, vehicle class, during inspection
      • Previous Year Policy - NCB, insurer name, policy no, policy period, Add-on info, during inspection
      • KYC - Pan Card/Aadhar/DL/Voter id/Form 16/Passport

      Benefits of Car Insurance Renewal Online

      A new car insurance has a validity period after which it needs to be renewed. Thus, to continue receiving coverage from your existing car policy, you need to renew car insurance online before its expiry date. Here are some major benefits of online car insurance renewal -

      1. Easy Comparison

        When you renew insurance online, you can easily compare the plans offered by multiple insurers. This will also help you understand the additional services offered by the plan, such as a free pick-up and drop facility, 3-day repair assistance, cashless assurance, and self-video claims.

      2. Easy Customisation

        You can easily modify the coverage of your car insurance policy during renewal by adding or removing the add-on covers. However, before tailoring your policy with an add-on cover, remember that your car's premium depends on it.

      3. Easy to Switch the Insurer

        If you are not satisfied with your current insurer or want to enhance your policy coverage you can switch car insurer at the time of renewal. Moreover, if you find another insurer offering better features, then you can do so from the comfort of your home.

      4. Secured & Transparent

        Secured payment gateways make renewing a car insurance policy a secure and transparent process. Premium payment can easily be done using credit cards/debit cards/and UPI.

      How to Renew Car Insurance Online?

      Car insurance renewal online from Policybazaar.com is quick and easy. Follow these simple steps to get an instant quote in just a few minutes:

      • Go to the car insurance renewal section.
      • Enter the required details, such as your policy number, mobile number, date of birth, etc. and submit them.
      • Choose the car insurance plan that you want to purchase
      • Select the riders or add-on covers that you want to buy or drop (if any)
        • The premium amount that you need to pay will be shown on the page
        • Pay the insurance premium online with the help of a credit card, debit card or through net banking
        • Once the payment is complete, your car insurance policy will be renewed

      You will receive the policy document for your renewed car insurance on your registered email id. You can also download a copy of the policy document and get a printout anytime you want.

      Read More

      Why Should You Renew an Expired Car Insurance Policy Now?

      Here are the top 4 reasons why you must renew your expired car policy now:

      1. Legal Consequences – Driving an uninsured car is a punishable offence in India. If caught, you will have to pay a fine of Rs. 2,000 to Rs. 4,000 and may have to face imprisonment.
      2. No Available Coverage – If your car policy has expired, then you do not get any coverage from your insurer and, thus, cannot raise a claim. So, if your car gets damaged during this period, you will have to bear the repair costs.
      3. Loss of NCB – If you do not renew your expired car policy within 90 days, then you will lose your NCB benefit. 
      4. Car Inspection – A car with an expired policy may have to undergo a mandatory inspection before its renewal. This may lead to a higher premium if the insurer finds the vehicle ill-maintained and in bad shape.

      How to File a Car Insurance Claim?

      Understanding the right steps to raise a car insurance claim is critical as your insurer can reject your claim for a lot of reasons. So make sure you understand what all is required to be done while raising a car insurance claim. Follow the below mentioned steps to conveniently raise a valid four wheeler insurance claim:

      Step 1: Raise a claim request – Immediately share details of the accident with your insurer after the accident occurs. Make sure that you properly document and share photographic evidence to support your case.

      Step 2: Car Inspection – After the claim is registered, the insurer will send a surveyor for surveying the claimed damage. You will be required to submit some documents to the surveyor for claim verification process. Make sure you keep them handy.

      Step 3: Sending the car for repair – Once the inspection is complete, you can send the car to a network garage for repairs.

      Step 4: Claim Settlement – If you have a cashless claim settlement, the insurer will directly settle the repair bills with the network garage. However, if you have opted for reimbursement claims, you will be first required to pay the bills and then raise a reimbursement claim.

      Documents Required for Filing a Car Insurance Claim

      Whether it is a theft claim, accidental claim or a third-party claim, the insurance company requires a host of documents to be submitted. Mentioned below is the list of different documents that you would require when registering a claim:

      • Duly filled and signed claim form
      • KYC
      • Copy of car insurance policy
      • Copy of vehicle RC
      • License copy of the driver driving the vehicle at the time of the accident.
      • Copy of Police FIR in case of theft claims
      • Original repair bills and payment receipts
      • Estimated repair bills

      Tips to Avoid Car Insurance Claim Rejections

      Follow these essential tips to avoid car insurance claim rejection by your insurance provider:

      1. Declare Car Modifications

        Inform your insurer about any modification to your four-wheeler as soon as you get it done. In case you fail to do so, and the insurer comes to know about it at the time of claim, they may reject the claim.

      2. Renew Policy on Time

        In case you forget to renew your policy before the expiry date and raise a claim post that, your insurer will reject that particular claim. Therefore, make sure to renew your car insurance policy before the expiry date.

      3. Keep Documents Handy

        Your insurance provider may reject your claim if you don’t have any of the mandatory documents required to raise a claim. Thus, you must keep all the relevant documents handy at the time of raising a claim.

      4. Read Policy Terms and Conditions

        If you want a hassle-free claim settlement and avoid any claim rejection, make sure to read your policy terms and conditions thoroughly at the time of policy purchase.

      5. Carry a Valid Driving Licence

        A car insurance claim can also get rejected if the driver was not carrying a valid licence at the time of the accident. Thus, ensure that you carry a valid driving licence with you while driving on the roads of India.

      6. Declare the Right NCB

        If by mistake you declare an incorrect NCB at the time of buying/renewing your motor insurance policy, then any claims made under the new car policy may get rejected. Therefore, you must declare the right NCB while purchasing a policy.

      How to Download Your Car Insurance Policy Copy Online?

      As soon as you purchase a car policy online, your insurer sends a hard copy of your policy to your registered address. Moreover, a soft copy is also instantly mailed to you. However, if you lose your policy documents, you can also download a policy copy from Policybazaar Insurance Brokers Private Limited by following these easy steps:

      • Visit Policybazaar.com and select the “Sign in” tab
      • You can sign in via OTP or by entering your password
      • You will now be redirected to your account dashboard
      • From the ‘Policies’ section of your account, download car insurance policy copy online

      Car Insurance Terminologies You Need to Know

      Check out some of the commonly-used car insurance terminologies:

      • IDV – IDV or Insured Declared Value is the current market value of the car. If the car suffers total loss, IDV is the compensation that the insurer will provide to the car owner.
      • Premium – Premium is the amount paid by the car owner to the insurance company in exchange for providing financial coverage of the insured car.
      • No Claim Bonus – No Claim Bonus or NCB is a renewal discount that the insurance company grants to the car owner for driving safely and not raising a claim in the previous policy year.
      • Zero Depreciation Cover – Zero depreciation is a car insurance add-on cover that prevents the depreciation value of the car and its parts from getting deducted from your claim amount during claim settlement.
      • Own Damages – Damages sustained by the insured car due to an accident, natural calamity, fire, man-made disaster or burglary.
      • Personal Accident Cover – Personal accident cover provides compensation to the owner-driver of the insured car in case he/she gets disabled or dies in an accident of the vehicle.
      • Cashless Claims – Claims that are filed when the insured car goes for repair at a network garage of the insurance company.
      • Voluntary Deductible – Voluntary deductible is a part of the claim amount that the policyholder willingly agrees to pay at the time of claim settlement.
      Read More

      FAQs About Car Insurance Policy

      • Q1. Which type of car insurance is best?

        Ans: Comprehensive insurance is considered the best as it provides complete protection for your car. In case you want insurance for an old car, buying a third-party policy is the best as it provides mandatory coverage and is pocket-friendly.

      • Q2. Why is first car insurance so expensive?

        Ans: New car insurance is always expensive because the IDV of the car is maximum at this point. The value of the car depreciates with age, which brings down its IDV. Moreover, most people buy multiple add-ons, which also hikes their premium amount.

      • Q3. How do you lower your car insurance premium?

        Ans: You can reduce the premium of your 4 wheeler insurance policy by:

        • Opting for a higher deductible
        • Installing anti-theft devices in the car
        • Building your No Claim Bonus percentage
        • Avoid buying unnecessary add-ons
        • Compare vehicle insurance plans
      • Q4. Can I skip buying PA cover under new car insurance?

        Ans: You can skip buying personal accident (PA) cover under your new car insurance policy if you already have it under an existing motor policy. If you don’t, then you will have to buy it as a PA cover for the owner-driver is mandatory in India.

      • Q5. How quickly can I buy/renew car insurance online?

        Ans: Buying or renewing car insurance online takes only a few minutes. All you need to do is log in to Policybazaar.com, enter the details of your car, your contact information and pay the premium for the chosen plan to get your policy issued instantly.

      • Q6. Are offline and online car insurance policies the same?

        Ans: Yes. Both offline and online car insurance policies are the same. The only difference is that your online car policy is sent to your registered email id while the offline policy is sent to your home through the post.

      • Q7. Where can I check my car insurance policy details?

        Ans: You can check your four wheeler insurance details in your policy document. You can also contact the customer care team or check the Policybazaar app to get your policy details.
      • Q8. What is an endorsement in car insurance?

        Ans: Endorsement is a document that incorporates any agreed changes made to existing car insurance policy terms or personal details of the policyholder.
      • Q9. Is it safe to renew a car insurance policy online?

        Ans: Yes. It is absolutely safe to renew car insurance online. Just make sure to buy it from an IRDAI-registered website like Policybazaar.com. You can find the IRDAI registration number at the bottom of the website.
      • Q10. Are theft and fire covered under third-party insurance?

        Ans: Usually, theft and fire damages to the insured car are not covered under third-party insurance plans. However, some insurers offer customized third-party plans that do provide coverage for theft and fire.
      • Q11. Do we cover the engine in zero dep?

        Ans: Any damage to the engine of the insured vehicle is not covered under the zero dep cover. For this, you are required to purchase an Engine Protect add-on separately with your car policy.
      • Q12. Can we take unlimited claims under zero dep?

        Ans: Zero dep claims vary from insurer to insurer. It can vary from two claims to an unlimited number of claims depending on the insurance company.
      • Q13. Do you cover rat bites in the car policy?

        Ans: Yes. Damages due to rat bites are covered under a 4 wheeler insurance policy.
      • Q14. Do you cover damage due to a hit by a coconut or cricket bat?

        Ans: Yes. Car insurance provides coverage for any damages due to a hit by a coconut or cricket bat.
      • Q15. I want to buy a fresh policy for my second-hand car. What is the process?

        Ans: To buy a fresh car policy for your second-hand four wheeler, you need first fill out form 29/30 available at the RTO and get an acknowledgement slip to buy the policy. Submit these documents along with a fresh proposal form to the insurance company. Once your car has been inspected by the insurer, a fresh policy will be issued to you.
      • Q16. How many times can we claim under car insurance in a year?

        Ans: You can make an unlimited number of claims under your motor insurance policy in a year.
      • Q17. What is a cashless claim and a non-cashless/reimbursement claim?

        Ans: Cashless claims are the claims raised when your car is getting repaired at a network garage of the insurance company. Under such claims, the insurer pays the repair bill amount directly to the garage.

        On the other hand, non-cashless/reimbursement claims are the claims that are raised when your car is getting repaired at a non-network garage. In this case, you need to pay the entire repair bill and raise a reimbursement request with the insurance company.

      • Q18. What is the meaning of deductible in a car insurance policy?

        Ans: Deductible is a part of the claim amount you have to pay at the time of a car insurance claim settlement. It can either be mandatory or voluntary and can help to reduce your premium amount.
      • Q19. How many times can I claim Roadside Assistance service during the policy period?

        Ans: The number of claims allowed for roadside assistance service during a policy period varies from one motor insurance company to another. You can go through your policy document to know the exact number of claims allowed in a year.
      • Q20. Will my NCB be impacted if I claim for Loss of Personal Belongings and Key Protect?

        Ans: If you raise a claim for Loss of Personal Belongings and Key Protect cover, then your NCB may or may not get impacted depending on your insurance company. You can contact your insurer to know if a claim for these add-on covers will impact your NCB.
      • Q21. How to pay for car insurance online?

        Ans: You can pay for your car insurance policy online via UPI, bank cards like credit, debit or via net banking.

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      Car Insurance Reviews & Ratings
      4.6 / 5 (Based on 3680 Reviews)
      (Showing Newest 10 reviews)
      Bhavya
      Kota, March 09, 2024
      Fast Process
      Claimed for damages to my car as it collided with a cow on my way to office. The team was supportive and got my claim assisted fast. Got cashless claim and it was satisfactory as I received my car at my doorstep in 3 days only. Happy with the service.
      Mallu
      Raipur, March 08, 2024
      Problem solver
      Mr. Rajesh support executive of Policybazaar found a solution to my problem quickly. I was facing difficulty in customizing my Kotak Mahindra insurance plan for my Swift Dzire car. I was able to customize my plan after getting in touch with him. Thanks to the entire team for providing assistance to me.
      Subodh
      Kolkatta, March 07, 2024
      Little discount
      I am glad to get my Taigun car insured from Policybazaar. I really liked the way of explation the SBI third party insurance paln feature by Mr. Sachin customer support features. Thanks to an executive who explained each and everything in detail.
      Sanjay
      Nagpur, March 06, 2024
      Financial help
      My friend suggested me to insure my Tata Hexa car from policy bazaar. I explore car plan and I saw many plans out of which I opted for reliance general comprehensive car insurance and got complete protection for my car.
      Mridual
      Gurugram, March 05, 2024
      Understanding Customer support
      My bundled policy with the dealer was about to get over so I decided of renewing my policy online this time. Had a lot of questions about Insured Declared Value and certain addons which wanted to add to my plan (my dealer never cleared these things to me). Got a deep understanding of this team from PB customer support and chose a Digit Own damage plan along with zero dep and Engine protect addon for my Nexon car at a really good price.
      Vishal
      Delhi, March 04, 2024
      Helping Customer Support
      Wanted to purchase a comprehensive policy for my Tata Tiago car but was confused on what insurer I should go with. There are so many available on the internet. Stumbled upon Policybazaar and tried comparing plans. Also contacted their customer support for their help and they were kind enough to answer all my questions patiently. Purchased a Royal Sundaram car insurance plan for my car and am satisfied so far.
      Milesh
      Hyderabad, March 03, 2024
      Multiple payment methods
      I compared car plans for my Swift car according to the benefits I wanted in my car insurance plan. I chose the United India comprehensive plan because I liked the features offered in this plan. Payment made easy as Policybazaar offered me multiple payment options. Everything was so Hassle free.
      Randheer
      Chandigarh, March 02, 2024
      Need Improvement
      Services are fine, they offer a good feature of plan comparison. But I think a lot can be improved with their customer service. I had a few questions in my mind which were not answered to my satisfaction. They can work on their support.
      Akshay
      Indore, March 01, 2024
      Towing facility
      Thanks to Mr. Rajeev customer support executive for the cashless claim process with Universal Sompo insurance policies. I approached Policybazaar when I wanted a tow facility as my car got damaged due to a minor accident. I am grateful that my Maruti Swift was already insured.
      Varun
      Jaipur, March 01, 2024
      Good service
      The whole process took very less time to insure my Datsun car. I did not face any trouble while purchasing a future Generali own damage cover from Policybazaar. The team did a really good job and answered all my queries.

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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