Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/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 Kolkata

      The city of Joy, Kolkata, is also one of the busiest cities in India. Like other Tier A cities, Kolkata also witnesses heavy traffic, road accidents, vehicle thefts, and other unforeseen contingencies. Thus, it becomes imperative to invest in a car insurance policy to get financial coverage in case you meet with any of these emergencies.

      Read more

      Stats About Kolkata Traffic

      • The number of road accidents across the Indian state of West Bengal in 2022 was 13,000.
      • Kolkata stands in 6th place in most vehicle thefts in India.
      • The number of fatalities between 2019 and 2022 in West Bengal was 6022, with the leading culprit being speeding.

      Why Should You Buy Car Insurance in Kolkata?

      To avoid traffic rule violations, it is mandatory, as per the motor laws, to own four-wheeler insurance in Kolkata. Besides being compulsory, there are several other reasons to buy car insurance in the city. Take a look:

      • Occurrence of Cyclone: Occurrences of natural calamities like cyclones are common in Kolkata. So, covering your car if it sustains damages due to such natural calamities is very important. A comprehensive motor insurance policy will compensate for damages sustained by your vehicle due to cyclones or other natural calamities while driving in Kolkata.
      • Coverage for Theft: Since Kolkata is a busy city, the streets and roads encounter heavy traffic thus giving rise to cases of vehicle theft. With a comprehensive car insurance plan, you can also get covered for theft or burglary that may cause losses to your four-wheeler.
      • Poor Condition of Roads: The roads of Kolkata are poor and extremely uneven, making it difficult for car owners to drive properly. Wide and deep potholes, worn-out roads, etc, increase the chances of road accidents in the city. To get compensated for damages under such accidents, it is crucial to have a car insurance policy in Kolkata. Otherwise, you will end up paying heavy repair expenses out of pocket.
      • Personal Accident Cover: Road accidents can also lead to the death or disability of the owner/driver of the insured car. By purchasing a Personal Accident Cover with your car insurance policy, you can also get covered in case the owner/driver of the car dies or suffers injuries in an unfortunate accident.

      Types of Car Insurance Policies in Kolkata

      Three major types of four-wheeler insurance policies offered in Kolkata are:

      1. Third-Party Insurance

        A third-party or liability only car insurance policy offers compensation if the insured car meets with a third-party accident. Under this policy, financial compensation is offered in case of third-party property damage, death and bodily injuries. Third-party insurance is the least mandatory coverage that one must have to drive legally in India.

      2. Comprehensive Insurance

        A comprehensive car insurance policy compensates the policyholder if his/her car suffers damages due to unanticipated incidents. These incidents include road accidents, collisions, natural calamities, theft, fire, manmade acts, etc.

        The coverage of a comprehensive car insurance policy can also be enhanced by purchasing additional covers with the policy.

      3. Standalone Own Damage Insurance

        This motor insurance policy can be purchased if you have an existing third-party bundled policy. It compensates a policyholder if his/her car sustains damages due to unanticipated incidents like accidents, natural calamities, man made calamities, fire, theft, etc. This policy does not cover third-party liabilities and only the damages the car sustains.

      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 Kolkata

      A car insurance policy in Kolkata offers the following coverage:


      A car insurance policy in Kolkata offers the following coverage:

      • Third-party liabilities include third-party death, property damages, and disability.
      • Damages to the insured car due to earthquakes, floods, cyclones or any other natural calamity
      • Damages due to manmade acts like strikes, riots, etc.
      • Partial or total loss arising out of theft or burglary of the insured car
      • Losses to the insured vehicle due to fire, explosion or self-ignition
      • Accidental damages to the insured four-wheeler while it was in transit.


      A four-wheeler insurance policy does not offer coverage for these damages:

      • Damages to the insured vehicle when being driven under the influence of alcohol
      • Damages sustained by the insured car when the driver was not carrying a valid driving licence
      • Contractual liabilities of the owner/driver of the insured vehicle
      • Claims cannot be raised for damages sustained outside the specified geographical location
      • Damages due to nuclear or civil war are also not covered.

      How Much Car Insurance Coverage you Need in Kolkata?

      Kolkata is a crowded city where road accidents are common. Your car can sustain damages, leading to heavy repairs from your pocket. In such situations, only having third-party insurance is not enough, as it will not cover accidental damages to your car.

      Thus, covering your car with comprehensive car insurance will be the best choice. A comprehensive policy will compensate you for third-party and own damages.

      On the other hand, if you have an old car and do not want to invest much in car insurance premium, you can only go for the mandatory third-party insurance policy.

      How to Buy Car Insurance Online in Kolkata?

      Here is an easy step-by-step guide on purchasing car insurance in Kolkata online:

      • Visit and select the “Car Insurance” tab from the homepage
      • On the given form, enter your car number or select the “Brand New Car” option
      • Now, choose your car’s RTO, make, model, variant, and registration year
      • Fill in the given registration form
      • From the given quotes, choose the car insurance plan that you wish to purchase
      • Select additional covers if required
      • Once decided, pay the final premium amount via online payment modes
      • After successful payment, your four-wheeler insurance policy documents will be mailed to you.

      Traffic Do's and Don'ts in Kolkata

      Here are some traffic do’s and don’ts that a car owner in Kolkata should follow:

      • Adhere to permitted speed limits.
      • Don't drive under the influence of alcohol.
      • Always carry mandatory documents like a driving license, insurance documents, PUC and car registration certificate while driving in Kolkata.
      • Use indicator or hand signals while changing lanes
      • Avoid sudden braking and harsh acceleration on the roads of Kolkata


      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
      Claim Assurance Program

      Car insurance Articles

      • Recent Article
      • Popular Articles
      20 Jun 2024

      Top 5 Car Care Tips to Beat The Summer Heat

      The extreme heat and constant heat wave warnings have made

      Read more
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      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

      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

      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

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand car require you to find car owner details by number

      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

      #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.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.