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      Car Insurance In Mumbai

      Mumbai is truly a city of dreams. But it is also a city of huge traffic jams and congested roads where incidents like accidents, collisions, etc. have become common. To protect your four-wheeler from expenses arising from such unforeseen incidents, buying car insurance in Mumbai is essential.

      Read more

      Stats About Mumbai Traffic

      • More than 15,000 people were killed in Mumbai road accidents in 2023.
      • 20,860 were left seriously injured in road accidents.
      • The number of road accidents in Mumbai increased from 33,383 in 2022 to 34,114 in 23'.
      • Mumbai also has one of the world's worst road traffic conditions.

      Why Should You Buy Car Insurance in Mumbai?

      Mumbai is one of the five most populous cities in India. The roads in this city are crowded and driving a car in such traffic becomes more dangerous as there are more chances of accidents. Therefore, purchasing four-wheeler insurance to cover your car from such damages becomes important.

      Below mentioned are some reasons why you should buy car insurance in Mumbai:

      • Crowded Roads: Due to the high population, the roads in Mumbai are very crowded and congested, thus increasing the chances of mishaps, such as third-party accidents. A third-party accident can also prove to be very expensive, as you may have to shell out huge amounts of money from your pocket. Therefore, make sure to have at least third-party insurance to cover your car legally and financially from such mishaps.
      • Heavy Traffic Penalties: Driving without a valid car insurance policy is a traffic rule violation as per the motor laws of India. Thus, if you are driving without a policy and get caught by the police, you may have to pay heavy traffic penalties.
      • Protection in Rains: Mumbai rains are heavy and can cause havoc on the roads of the city. Huge traffic jams blocked roads, and waterlogging are common. In such situations, accidents can it is essential that you cover your four-wheeler with comprehensive coverage.
      • High Risk of Theft: Mumbai is a Tier 1 city with a huge population, so the chances of your car being stolen are also very high. In such cases, having a four-wheeler insurance in Mumbai can be very useful. With a comprehensive car insurance policy, the insurance company will cover any loss sustained by your car if it gets stolen.

      Types of Car Insurance Policies in Mumbai

      There are three major types of four-wheeler insurance policies that you can purchase in Mumbai. These include:

      1. Third Party Car Insurance

        A third party car insurance policy compensates for third-party damage arising out of the insured car. This policy covers death, disability and property damage of the third party. The compensation is unlimited in case of death, while for property damage, it's limited to Rs. 7.5 lakh.

      2. Standalone Own Damage Car Insurance

        Under a standalone own damage car insurance policy, insurance companies compensate for any own damage sustained by the insured car due to unanticipated events like collisions, accidents, theft, fire, etc. This policy does not cover third-party liabilities and can only be purchased in addition to your third-party liabilities insurance policy.

        For instance, if you already own third-party insurance and want to cover own damages as well, you can buy this policy.

      3. Comprehensive Car Insurance

        Offering wider coverage, a comprehensive car insurance policy protects a policyholder from third-party damages and own damages sustained by the insured car. This policy compensates against damages arising from unanticipated events like collisions, road accidents, theft, fire, calamities, etc.

        Furthermore, a comprehensive four-wheeler insurance policy can also be enhanced by purchasing add-ons at an extra premium amount.

      Explore add-ons for your car insurance

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      Coverage Offered Under Car Insurance in Mumbai

      You get the following coverage when you purchase a motor insurance policy in Mumbai

      Inclusions

      Damages that are covered under a comprehensive car insurance policy include:

      • Third-party damages such as third-party death, disability and property damage
      • Damages arising out of natural calamities like earthquakes, hurricanes, slides, storms, etc
      • Damages sustained by the insured car due to manmade acts like strikes, riots, terrorist acts, etc.
      • Any loss arising out of theft or burglary of the insured car is also covered under a car insurance policy.
      • Losses arising out of the fire, self-ignition or explosion sustained by the insured four-wheeler
      • Any in-transit damages sustained by the insured car are also covered.

      Exclusions

      Losses that are not covered under a four-wheeler insurance policy include:

      • Any damage sustained by the insured four-wheeler when the driver was not carrying a valid driving license.
      • Damages caused to the insured four-wheeler when the driver was under the influence of alcohol are also not covered.
      • Any damage sustained by the insured car outside the specified geographical location.
      • Damages caused to the insured vehicle when being used for commercial purposes
      • The contractual liability of the owner/driver of the insured vehicle is also not covered.
      • Electrical or mechanical breakdown sustained by the insured vehicle is also not covered under the four-wheeler insurance policy in Mumbai.

      How to Buy Car Insurance Online in Mumbai?

      Buying car insurance online in Mumbai is a straightforward process. All you need to do is visit Policybazaar.com and follow these steps:

      • From the homepage, select the "Car Insurance" tab.
      • Enter your car number in the form or select the "Brand New Car" option.
      • Select your car's RTO in Mumbai, model, variant and registration year.
      • Fill in the given proposal form and proceed with car insurance quotes.
      • From the four-wheeler insurance plans given, choose the desired plans.
      • Select the additional cover you wish to add along with your policy.
      • Once you have selected the desired procedure and add-ons, proceed with the premium payment.
      • Once your premium has been verified, you can pay it using online payment modes.
      • After payment, your car insurance policy documents will be instantly mailed to you.

      Traffic Do's and Don'ts in Mumbai

      Below are some traffic do's and don'ts that a vehicle owner in Mumbai should follow:

      • Don't drink or drive on the roads in Mumbai.
      • Always stay within the specified speed limit.
      • Keep mandatory documents like driving license, RC, car insurance papers, and PUC handy while driving on the roads in Mumbai.
      • Take extra care during monsoons. Make sure to use parking lights under bad weather conditions.

      FAQs

      • Q1. How can I get the best car insurance in Mumbai?

        Ans: You can find car insurance plans from the best car insurance companies in Mumbai on Policybazaar.com. Compare and choose the plan that suits your needs the best.

      • Q2. How can I check car insurance premiums in Mumbai?

        Ans: You can check car insurance premiums in Mumbai using the Car Insurance Premium Calculator. This online tool lets you calculate the premium of your car in just a few simple steps.

      • Q3. How much does four-wheeler insurance cost in Mumbai?

        Ans: The cost of car insurance is not fixed as it is based on many factors such as geographical location, IDV, add-ons, the car's engine capacity, and the make and model of the vehicle. All these factors together determine the cost of your four-wheeler policy. To know the estimated premium of your vehicle, you can use a car insurance premium calculator available on Policybazaar.com.

      • Q4. Can I renew my car insurance in Mumbai?

        Ans: You can easily renew your car insurance online in Mumbai from Policybazaar.com. Visit the car insurance page, enter your car number, compare car insurance renewal quotes and purchase it easily via online payment modes.

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      #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.