Can I Buy Car Insurance Before Buying A Car?

Get Car Insurance starting at only ₹2,094/year #
Car Insurance

You usually don’t need car insurance while shopping for cars, but you will need one to get yourself financially and legally covered when you finally purchase a car. You can also do some homework to get the best motor insurance deal before purchasing a car for yourself so that you can buy the best plan for your new car.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Car Insurance

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

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Do I Need Car Insurance For My Car?

      Yes, a four-wheeler insurance policy is a mandatory requirement for every car owner, per Indian motor laws. If you drive without valid car insurance in India, you may have to pay heavy traffic fines for violating the traffic rule. Moreover, in case your car meets with an unforeseen accident, you will also not get any coverage from the insurance company which may be very heavy on your pocket. Thus, you do need four-wheeler insurance before you start driving on Indian roads.

      When do I Need to buy Car Insurance?

      You need a car insurance policy before you purchase a new car or before taking your car on the road for a drive. For having a valid four-wheeler insurance policy, you will need the details of your car after which you can purchase an insurance policy for your car.

      The best part about buying car insurance is you can still shop for a car policy without having your car number. Simply select the details of your car and purchase a plan online.

      Should I Have a Car Insurance Before Buying a Car?

      You don’t need car insurance when you are simply shopping around for a car. But you should have your car insurance documents ready when you take possession of a car. The type of coverage and its premium depends on various factors like your car’s model, variant, location, purchase year, etc. Mostly two types of coverage third-party insurance and comprehensive car insurance are offered by insurance companies.

      Thus, you should have a car insurance policy to securely cover your car against any unforeseen damages on the road and also to legally ply on Indian roads.

      How to Get Car Insurance Before Buying a Car?

      Just like you look out for multiple options before purchasing a car, you can also compare multiple car insurance quotes before purchasing the right one for your four-wheeler. For this, you will need a laptop/mobile and a basic internet connection. Here is how you can buy car insurance before buying a car:

      • Visit the official website of Policybazaar Insurance Brokers Private Limited (
      • From the ‘Insurance Products’ dropdown, select the ‘Car Insurance’ page
      • On the given form select option ‘Brand New Car’ or ‘Proceed without a car number’
      • Once you have proceeded with any of the above options, you will need to select your car details from the list
      • Select your car’s model, variant, fuel type, RTO and registration year
      • Based on the details entered, you will now see car insurance plans from multiple car insurance companies
      • From here you can compare car insurance and add on covers that you want for your new car
      • Now select the plan and add any additional cover that you want to purchase
      • You will now be required to pay the premium amount via desired online payment mode
      • Once you have paid the premium amount, your new car insurance policy will be issued. You will receive your policy documents at your email address.

      Wrapping Up!

      All in all, you will have to buy car insurance before you take the final delivery of your car. As per the motor laws, you cannot drive a car on Indian roads if you don't have insurance. Thus, even if have yet not been allotted a car number, you can purchase a four-wheeler insurance plan of your choice to protect yourself and your vehicle from unanticipated road emergencies.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Steps to Check Vehicle & Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      #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.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.