Car Insurance In Chennai

The biggest cultural and economic hub in Southern India, Chennai attracts people from all over the country. This increase in the state's population has crowded the roads, thus increasing the chances of road accidents. Hence, to get financially covered under such unforeseen incidents, it becomes imperative for car owners to invest in a full-coverage car insurance policy in Chennai.

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Stats About Chennai Traffic

The average Traffic Congestion Index in Chennai is 18.11, making it the 61st most congested city globally.
The number of road accidents in Chennai was 3,642 in 2023.
The city recorded 499 fatal accidents, which resulted in 504 deaths in 2023.
Vehicle thefts in Chennai doubled to 10.5 percent in 2023 from 5 percent in 2022.

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Why Should You Buy Car Insurance in Chennai?

As per the Indian motor laws, car insurance in Chennai is mandatory. Moreover, a car insurance policy also provides financial coverage to your car during unanticipated damages. Here is why you should buy a four-wheeler insurance policy in Chennai:

Heavy Road Congestion

Being one of India's largest and most populated cities, Chennai witnesses heavy traffic and road congestion issues. This increases the chances of road accidents and collisions in the city, making car insurance a necessary requirement.
Harsh Monsoons

Chennai witnesses over 50% of annual rains in the country. The monsoons are harsh, causing heavy downpours, waterlogging, and potholes in many parts of the city. All of these issues add to the increasing road accidents and traffic. To keep your car financially protected under such situations, it's best to be prepared with the help of a four-wheeler insurance policy in Chennai. Moreover, under such harsh weather, an Engine Protection Cover will also help you cover engine-related damages caused due to water ingression arising from rains.
Theft Cover

In cities with high population like Chennai, the incidences of car theft and burglary are also at an all-time high. With a car insurance policy, you can get compensated up to the Insured Declared Value when your car is lost due to theft. Thus, make sure to get financially covered for theft by purchasing a comprehensive insurance policy for your vehicle in Chennai.
Personal Accident Cover

Sometimes, car accidents can be devastating, resulting in the death or injury to the driver or passengers. If you have car insurance in Chennai, you can also cover death, disability, or bodily injuries caused to the driver/owner of the car. For this, you can purchase the mandatory Personal Accident Cover along with your car insurance policy.

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Types of Car Insurance Policies in Chennai

Major types of car insurance policies offered in Chennai include:

Third-Party Car Insurance

Compensation for third-party insurance such as third-party death, disability, and bodily injuries is offered under this type of car policy. Compensation for the death of the third party due to the insured car is unlimited, while for property damage, it's limited to Rs. 7.5 lakh.

Standalone Own Damage Car Insurance

An own damage car insurance compensates a policyholder if his/her car sustains damages due to road accidents, collision, fire, theft, manmade acts, and natural calamities. This policy does not cover third-party liabilities caused by the insured car. It can only be purchased if you have an existing third-party cover and wish to cover your vehicle as well.

Comprehensive Car Insurance

A comprehensive car insurance is an extensive cover that offers compensation when the insured car meets with an unforeseen incident, such as an accident, collision, theft, fire, calamities, etc. Apart from own damages, this policy also covers any third party liability caused due to the insured vehicle.

Moreover, a comprehensive plan can also be enhanced with the help of add-ons that can be purchased by paying an extra premium.

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Coverages Under Car Insurance in Chennai

What is Covered in Policy

Third party liabilities such as third-party death, disability, and property damages
Damages sustained by the insured car due to riots, strikes, or other manmade acts
Natural calamities like earthquakes, cyclones, and hurricanes causing damage to the insured car
Partial or total loss of the insured car due to theft
Losses arising out of fire, explosion, and self-ignition
Damages while the insured vehicle was in transit via road, rail, air, or waterways

What is Not Covered in Policy

Damages to the insured vehicle when the driver was driving under the influence of alcohol
Claims can not be raised for damages to the insured car outside the geographical limits of the policy
Contractual liabilities of the owner/driver of the insured car are also not covered
Damages to the insured car when being driven without a valid driving license

How to Buy Car Insurance Online in Chennai?

Follow the steps mentioned below to buy a four-wheeler insurance policy in Chennai:

Visit Policybazaar.com and select the 'Car Insurance' tab from the homepage
On the given form, enter your car number or select 'Brand New Car'
Select your car's RTO, make, model, variant and registration year
Now compare and choose the car insurance plan you wish to buy
Select the desired additional covers
Pay the premium amount via online payment mode
Once you have paid the premium, your car insurance policy document will be instantly mailed 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 Chennai

Here are some essential traffic do's and don'ts to follow in Chennai:

Don't drive under the influence of alcohol. It may lead to severe road accidents and attract heavy traffic fines.
Don't use mobile phones while driving a car. Breaking this rule can lead to traffic penalties in Chennai.
Only drive with a driving license, RC, PUC and car insurance papers.

FAQs About Car Insurance in Chennai

Q1. How can I get the cheapest car insurance in Chennai?

Ans: You can get the cheapest car insurance plan in Chennai by comparing plans from different insurers online and choosing the one that suits your budget. You can also compare plans from 20+ insurers at Policybazaar.com with ease.
Q2. Are there any discounts offered on the purchase of car insurance in Chennai?
Ans: Yes, you can get the following discounts on the purchase of four-wheeler insurance in Chennai:
- NCB Discount
- Anti-theft discount
- Discount on membership of the Automobile Association of India
- Voluntary Deductibles
Q3. Can I renew my car insurance online in Chennai?

Ans: Yes, an online car insurance renewal is possible in Chennai. You can simply visit Policybazaar.com, enter your car number, and compare and buy the plan that suits your needs.
Q4. How can I calculate the cost of car insurance in Chennai?

Ans: You can get an estimated premium for your car by using a Car Insurance Premium Calculator. This tool lets you calculate the OD premium and IDV based on your car's make, model, variant, registration year, RTO, and ex-showroom price.

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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