Car Insurance In Bangalore

Known as the "Silicon Valley of India", Bangalore attracts one of the largest working populations in the country. This not only makes the city the third most populous but also the roads congested with heavy traffic, resulting in a high rate of road accidents. All of this increases the need to have car insurance in Bangalore to safeguard one's four-wheeler from such unforeseen incidents.

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Stats About Bangalore Traffic

The city has been ranked among the most traffic-congested cities in the world.
In January 2024, Bangalore reported 59 fatal accidents in which 62 persons died.
The number of non-fatal accidents was 157 in Jan 24'.
In 2023, the number of fatalities due to road accidents in Bengaluru was 899.
The number of vehicles in Bengaluru has also increased by 58% over the last 10 years.

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Why Should You Buy Car Insurance in Bangalore?

The city of Bangalore is not only known for its business startups but also for the most congested cities in India. This increases the chances of incidents like accidents, collisions, and theft. To curb this, the Govt of India, under the motor laws, made it legally compulsory for every car owner to have valid four-wheeler insurance in Bangalore. Apart from this, some other reasons to buy a car insurance policy in Bangalore include:

Avoid Traffic Fines

The most important reason to purchase a four-wheeler insurance policy is to avoid heavy traffic fines that you have to pay if you don't own motor insurance in Bangalore. The traffic fine for not carrying a valid car insurance policy in Bengaluru can go up to Rs. 4,000.
Protection from Accidents

A motor insurance policy will also protect your four-wheeler against any damage that it may sustain due to emergencies like road accidents. You will get compensation from the insurance company depending on the type of damage your car has sustained. Since the number of road fatalities has increased manifold time in Bangalore, it becomes imperative to go for a full-coverage car insurance policy.
Protection in Unexpected Calamities

Unexpected manmade disasters are very common in any city, especially with a higher population. Moreover, this city is also known for unforeseen rains and other natural extremities. Thus, to cover your car from such unexpected calamities, you must own a four-wheeler insurance cover. To cover your car from unforeseen rains, you can also buy an Engine Protect Cover. You can also get a Roadside Assistance cover to help you during an emergency car breakdown on the roads of Bangalore.
Hassle-Free Online Purchase

Purchasing car insurance is also very easy and hassle-free. You can simply do so online in just 5 minutes on Policybazaar.com.

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Types of Car Insurance Policies in Bangalore

The three major types of motor insurance policies offered in Bangalore are:

Third-Party Car Insurance

Under this type of insurance cover, an insurance company compensates for any third party liability, such as third-party death, disability and property damage caused due to the insured car. This policy is the least mandatory cover that every car owner has to purchase to ply on the roads of Bangalore.

Standalone Own Damage Car Insurance

Own damage car insurance cover aims at protecting any own damage caused to the insured car due to emergencies like road accidents, collisions, theft, fire etc. This plan, however, does not cover any third-party damage thus, it can be additionally purchased in a bundle with a third-party liability insurance policy.

Comprehensive Car Insurance

Comprehensive car insurance is not a mandatory policy but is recommended by insurance experts due to its broad coverage. This type of four-wheeler insurance policy covers own damages sustained by the insured car along with third-party liabilities. Damages arising out of road accidents, theft, fire, natural calamities, etc. are covered.

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Coverages Under Car Insurance in Mumbai

What is Covered in Policy

Third-party damages caused due to the third party, such as death, injury and third-party property damages
Losses arising out of theft or burglary of the insured car are covered
Any loss caused to the insured car if it caught fire or sustained an explosion
Damages sustained by the insured car due to natural causes like hurricanes, cyclones, floods, etc
Losses arising out of any manmade act such as a strike, riot, or terrorist act
Claims can also be raised for damages caused when the insured car was in transit via road, rail, waterways or airways

What is Not Covered in Policy

Damages sustained by the insured car when the driver was not found with a driving license
Any damage caused to the insured motor vehicle when the driver was drunk
Mechanical and electrical breakdown of the insured car is also not covered
Regular wear and tear sustained by the insured car are also included
Contractual Liabilities of the owner/driver of the insured car
Damages arising outside the geographical scope, as mentioned in the policy
Damages sustained by the insured vehicle when used for commercial purposes are also excluded

How to Buy Car Insurance Online in Bangalore?

Follow these simple steps to buy four-wheeler insurance online in Bangalore:

Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
Select the 'Car Insurance' tab from the homepage
On the given form, enter your car number or select the 'Brand New Car' option
Now, from the table, select your car details such as RTO, variant, model, fuel type, etc
Fill in the registration form
Choose the desired four-wheeler insurance plan and add-ons that you wish to add to your plan
Pay the verified premium amount via the desired payment mode
As soon as the payment is complete, your four-wheeler insurance policy will be issued to you

Explore Add-Ons for Your Car Insurance

Zero Depreciation Car Insurance

Compulsory Personal Accident Cover

Bumper to Bumper Insurance

NCB Protector Add-On Cover

Bundled Policy

Roadside Assistance Cover

Return to Invoice (RTI) in Car Insurance

Engine Protection Cover

Traffic Do's and Don'ts in Bangalore

Here are a few do's and don'ts that you must follow while driving in Bangalore:

Drive vehicle slowly during Bangalore rains or fog
Get vehicle emission tests done periodically
Don't drive under the influence of alcohol or drugs
Carry all the original documents like DL, insurance papers, PUC and RC while driving
Don't overspeed, overtake other vehicles and observe traffic signals and parking restrictions

FAQs About Car Insurance in Bangalore

Q1. How can I purchase the car insurance in Bengaluru online?

Ans: You can easily purchase a four-wheeler insurance policy online on Policybazaar.com. Simply compare and choose the car insurance policy for your four-wheeler in Bangalore.
Q2. Are there any add-on covers available under car insurance in Bangalore?

Ans: Yes, there are many additional covers that you can purchase with your comprehensive car insurance policy. Some of these include zero depreciation cover, NCB Protect cover, Roadside Assistance cover, Engine Cover, and many more.
Q3. Will I require any documents for car insurance renewal in Bangalore?

Ans: No, you will not need any documents to renew your car insurance from Policybazaar.com. Simply visit the car insurance renewal section and enter your car number to renew it in two minutes.
Q4. Will I need any documents to raise a claim for my four-wheeler insurance plan in Bangalore?
Ans: Yes, you will need the following documents to raise a car insurance claim in Bangalore:
- Duly signed and filled claim form
- Copy of driving license
- Copy of Registration certificate
- Copy of Police FIR
- Repair Bills

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in