Get Car Insurance starting at only ₹2,094/year #
Processing

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 a common sight. To keep your four-wheeler protected from expenses arising out of such unforeseen incidents, it is essential to buy car insurance in Mumbai.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 51 Lakh+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Email
      Mobile No.
      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.

      Why Should You Buy Car Insurance in Mumbai?

      Mumbai is the highest populous city 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 an important task. 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 mishappenings like third-party accidents. A third-party accident can also prove to be very expensive, as you may have to shell out huge money from your pocket. Therefore, it becomes necessary to at least own third-party car insurance in Mumbai.
      • 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.
      • Mandatory Purchase: Purchasing a motor insurance policy has also been made compulsory under The Motor Vehicles Act, 1988. Thus, to legally ply on Indian roads, you must have a car insurance policy with you.
      • High Risk of Theft: Mumbai is a Tier 1 city with a huge population and so the chances of your car being stolen are also very high. If you have a car insurance policy with you, 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:

      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.

      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.

      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 offers compensation against damages arising out of 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.

      Coverage Offered Under Car Insurance in Mumbai

      When you purchase a motor insurance policy in Mumbai, you get the following coverage.

      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 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 car is also not covered
      • Electrical or mechanical breakdown sustained by the insured car is also not covered under the four-wheeler insurance policy.

      How to Buy Car Insurance Online in Mumbai?

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

      • Visit the ‘Car Insurance’ page from the ‘Insurance Products’ dropdown
      • Enter your car number in the given form or select any of the two options
      • 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 given four-wheeler insurance plans, 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 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.

      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 opted car’s engine capacity, and make, and model of the car. All these factors together determine the cost of your four-wheeler policy.

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

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

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      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 Articles
      Popular Articles
      All You Need To Know About Hatchback Car Insurance

      05 Dec 2023

      Investing in a hatchback can be a great option if you are looking
      Read more
      Does Your Car Insurance Cover Damages By Rat Attack?

      29 Nov 2023

      Considering the population of rats in our country, it is common to
      Read more
      All You Need to Know About Standalone OD Insurance

      29 Sep 2023

      The concept of Own Damage(OD) is not a new one. For those of us
      Read more
      Your Guide to Reducing the Chances of a Rejected Motor Insurance claim

      29 Sep 2023

      Filing a motor insurance claim can be a complex process, and
      Read more
      Top things to keep in mind when Renewing Car Insurance

      29 Sep 2023

      To continue receiving coverage benefits, it's necessary to renew
      Read more
      Check Vehicle/Car Insurance Status Online on Parivahan Sewa, Vahan, IIB & RTO
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be
      Read more
      How to Find Car Insurance Details by Registration Number?
      As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      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 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
      Comprehensive Insurance Vs Third Party Insurance
      A comprehensive car insurance policy offers protection against third-party liabilities and own damages sustained by
      Read more