Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      Secure
      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.

      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.

      Read more

      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.

      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.

      Types of Car Insurance Policies in Chennai

      Major types of car insurance policies offered in Chennai include:

      1. Third Party Liability Insurance

        Compensation for third-party liabilities 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.

      2. Comprehensive 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.

      3. Standalone Own Damage 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.

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
      Car Insurance
      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
      Car Insurance
      Bundled Policy
      Car Insurance
      Roadside Assistance Cover
      Car Insurance
      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover

      Coverage Offered Under Car Insurance in Chennai

      A car insurance policy in Chennai offers the following coverage:

      Inclusions

      • 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.

      Exclusions

      • 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 Much Car Insurance Coverage you Need in Chennai?

      The coverage a car owner needs for his/her car in Chennai depends on many factors, such as make, model, registration year, RTO, driving records, etc. For instance, if you have a brand new car in Chennai, you would not want to spend heavily on its repairs from your pocket. In such cases, the ideal thing to do would be to invest in comprehensive car insurance. This type of car insurance policy would be enough to cover your new car for third party and own damages.

      However, if you have an old car or just want third-party coverage, you can only purchase third-party insurance to cover the legal liabilities of your vehicle.

      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.

      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

      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 Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To 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
      03 Jun 2016

      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
      20 Jul 2017

      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.