Your RTO details
RTO name
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

    Other models
    Other variants
    Select your variant
    View all variants
      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 Delhi

      Being the capital city, Delhi is the second most populous city in the country. Most of this population owns a motor vehicle, which increases the chances of traffic and road accidents. Therefore it becomes inevitable to purchase car insurance in Delhi to protect your car against such unforeseen incidents on the road.

      Read more

      Stats About Delhi Traffic

      • Delhi accounted for 3,533 road accidents till July 2023.
      • Out of these, 691 were fatal accidents and
      • 2,842 were simple road accidents in Delhi.
      • The city is the 44th most congested city in the world in 2023.

      Why Should You Buy Car Insurance in Delhi?

      Due to the increasing population in metro cities like Delhi, the chances of traffic rules violations and road emergencies like accidents, have also increased. Therefore, the Govt. has made it mandatory for every car owner in Delhi to own a car insurance policy. Apart from this, here are some reasons to purchase four-wheeler insurance in Delhi.

      • Delhi Traffic Conditions: Being a metropolitan city with a huge population shifting to this city, Delhi witnesses increased traffic on the roads. Such heavy traffic also results in increased chances of collisions and road accidents. Thus, with a car insurance policy in Delhi, you can recover any expense that you may have to face due to such accidents.
      • Personal Accident Cover: Sometimes accidents are so harsh that they lead to the death of the driver or passenger and even a third party. In such cases, it becomes of utmost importance to get a Personal Accident Cover for the owner/driver of the car.
      • Theft Cover: The chances of theft and burglary in cities like Delhi are also high. If you don't have a valid comprehensive car insurance policy, losing your car can be heavy on your pocket. You won't be able to recover any amount of your stolen car. Therefore, it is essential to get a car insurance policy as it will compensate you against such losses.
      • Compliance with Law: As stated above, it is mandatory for a car owner in Delhi to own at least third-party car insurance; otherwise, you may have to shell out heavy traffic fines. Thus, if you have four-wheeler insurance in Delhi, you will also comply with this compulsory law.
      • Protection in Rains: Delhi rains are unpredictable. One heavy downpour can cause waterlogging, resulting in heavy traffic, which can cause damage to your car's engine, thus resulting in expensive repairs. To get covered in such scenarios, you can purchase an Engine Assistance Cover along with your comprehensive insurance policy. An Engine Protection cover is a useful car insurance add-on that covers any damage or loss sustained by the engine of the insured car. It provides coverage for the cost of repairing or replacing the car's engine and/or its parts under the four-wheeler insurance policy.

      Types of Car Insurance Policies in Delhi

      Car insurance companies in Delhi offer three types of car insurance policies, namely:

      1. Third-Party Liability Car Insurance

        Third-party insurance is a mandatory insurance policy that aims to compensate for any third-party damages arising out of the insured car. Third-party damages include third-party disability, death, and property damages.

      2. Standalone Own Damage Car Insurance

        A standalone own damage policy compensates a policyholder for own damages sustained by the insured car due to unforeseen conditions like accidents, theft, collision, fire, etc. This vehicle insurance policy can be additionally purchased with third-party liability insurance to cover own damages to the insured car.

      3. Comprehensive Car Insurance

        Offering wider coverage, a comprehensive car insurance policy provides financial protection to the policyholder against third-party liabilities and own damages as well. Own damages include accidental damages, damages from fire, theft, calamities, etc.

      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 Delhi

      Coverage offered under comprehensive four-wheeler insurance in Delhi includes:


      Losses that are covered under a motor insurance policy in Delhi:

      • Damages arising out of third-party liabilities such as death, disability and property damage of the third party
      • Losses sustained by the insured car due to fire, explosion, etc are covered
      • Theft or burglary of the insured car is also covered under the motor insurance policy
      • Claims can also be raised for damages caused to the insured car due to earthquakes, cyclones and other natural calamities
      • Damages arising out of manmade acts like terrorist acts, strikes and riots are also included in policy coverage
      • Any in-transit damage sustained by the insured vehicle is also covered under the motor policy in Delhi.


      A policyholder in Delhi cannot raise a claim for the following contingencies:

      • Damages caused to the insured vehicle when the driver was under the influence of alcohol
      • Any damage sustained by the insured car when the driver was not carrying a license while driving
      • Damages arising out of the mechanical or electrical breakdown of the insured car
      • Any regular wear and tear sustained by the insured car is not covered
      • Losses arising out of contractual liabilities of the owner/driver of the insured car
      • Damages sustained by the insured car outside the geographical limits of the car policy
      • Claims cannot be raised for damages caused to the insured car when being used for commercial purposes

      How Much Car Insurance Coverage You Need in Delhi?

      Choosing car insurance in Delhi depends on the requirements of the car owner. For instance, if you want to cover third-party liabilities, you can invest in a TP policy. However, if you also want to cover your car from own damages arising out of accidents, collisions, theft, etc, you must choose comprehensive coverage for your car.

      Moreover, in a city like Delhi, where chances of accidents, thefts and other unanticipated contingencies are high, it is recommended to go with a comprehensive car insurance policy.

      How to Buy Car Insurance Online in Delhi?

      Buying a car insurance policy in Delhi is not a difficult task if you do it online. Here is how you can easily purchase four-wheeler insurance on

      • From the website's homepage, select the “Car Insurance” tab
      • On the given form, enter your car number or select other option
      • Select your car details, such as RTO, model, variant and registration year
      • Fill in the details such as your name, email and mobile number
      • From the given motor insurance plans, choose the desired plan and
      • Choose any add-on you wish to add to your plan
      • Proceed with premium payment via online payment modes
      • Once your payment has been made, you will receive your policy papers at your email address.

      Traffic Do's and Don'ts in Delhi

      • Always follow traffic rules while driving on Delhi roads. If caught, you may have to pay a heavy traffic penalty.
      • Carry important documents like car insurance policy, PUC certificate, vehicle's RC and driving license while driving.
      • Check your car's consumables, such as engine oil, brake oil, battery/radiator water, brakes, indicators, lights, wipers and tyres, before heading out.
      • Drive your car within the prescribed speed limit of 50/60km/hr in Delhi.
      • Drive with dipped lights and blinkers on during rainy or foggy weather.


      • Q1. Can I compare car insurance in Delhi before purchasing one?

        Ans: Yes, you can compare car insurance online on and choose the plan that best suits your requirements.

      • Q2. Which type of car insurance is best in Delhi?

        Ans: Choosing a car insurance policy depends on a car owner's requirements. If you want to only cover third-party liabilities you can only purchase third-party insurance. However, if you want to also cover own damages sustained by your car with third-party damages, you can go with comprehensive car insurance in Delhi.

      • Q3. Can I also renew my car insurance online in Delhi?

        Ans: Yes, you can easily renew your four-wheeler insurance plan on Policybazaar Insurance Brokers Private Limited. Simply compare multiple car insurance renewal plans in Delhi and choose the one that suits your requirements.

      • Q4. Can I get a discount while purchasing a car insurance policy in Delhi?

        Ans: Yes, car insurance companies in Delhi offer multiple discounts to car owners. These include:

        • Anti-theft discount
        • Voluntary Deductibles
        • Discount on membership of the Automobile Association of India
        • No Claim Bonus discount
      • Q5. What is third party car insurance price in Delhi?

        Ans: The third party car insurance price is decided by the IRDAI and depends on the engine capacity of the car. In Delhi, the third party insurance price is as follows:

        Engine CC Third Party Insurance Premium (Rs.)
        Less than 1000 CC 2,094
        1000 CC to 1500 CC 3,416
        More than 1500 CC 7,897

      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
      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
      17 Jan 2024

      How to Choose the Right Car Insurance for Your First Car?

      Buying their first car is no less than a milestone unlocked for

      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.