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      Insurance for Brand New Car

      Congratulations!! You have finally decided to purchase your dream car. But the real struggle of comparing and choosing the right car begins now. More than that, you must also make sure to invest in a suitable motor insurance policy for your brand new car. Here is a detailed guide that will bust all the myths regarding brand new car insurance and help you make a well-informed purchase decision.

      Read more

      Is it Mandatory to Buy Insurance for New Car from a Dealer?

      One of the most asked questions we encountered was whether purchasing car insurance from a dealer is mandatory. A simple answer to this is No. It is not compulsory for you to buy insurance for a brand new car from the dealer. In fact, it is your right to decide whether you want to purchase car insurance online or offline. No dealer can stop you from buying car insurance online directly from insurance companies or from aggregators like

      Moreover, dealers may also trick you into buying car insurance from them by giving you some “extra benefits” that you won’t find elsewhere. However, it's not true; you will get the same benefits if you buy a policy from or any other online intermediary.

      In fact, it is always advisable to compare car insurance price online from different insurers before you make a final purchase.

      Cost of Buying Car Insurance For Brand New Car: Online 

      To help you give a fair idea of the cost of brand new car insurance, here is a table stating the cost of buying brand new car insurance online. Take a look:

      Premium Breakupfor a Tata Nexon
      Smart MT (SUV)
      Cost Buying Car Insurance Online (
      Basic Own Damage Premium Rs. 25,262
      Third-Party Cover Premium Rs. 10,640
      Zero Dep Cost Rs. 1,993
      Other Discounts Rs. 22,988
      Package Premium Rs. 14,907
      GST@18% Rs. 2,683
      Final Premium Rs. 17,590 onwards

      **The above-mentioned prices are for a brand new car registered under DL1 RTO. The prices are for a three-year TP and 1 year OD policy. The car’s ex-showroom price is Rs. 8,09,990.

      Why Should You Buy Brand New Car Insurance Online?

      Just like you consider many factors before deciding on your dream car, you should also put some effort into choosing the right motor insurance policy.

      So before trusting your dealer completely, we would suggest you read these merits of buying car insurance online so that you don’t get tricked anywhere.

      1. Easy Online Comparison

        One of the biggest disadvantages of offline car insurance is you get limited plan options. Your dealer will only give you quotes from limited insurers that he has tie-ups with, and you will be required to buy from any of those. This drawback can be solved by looking for a car insurance policy online. By opting for an online method, you can easily compare insurance plans from multiple trusted insurance providers and choose the one that suits your budget.

        Moreover, with the help of insurance aggregators like, the process of comparing and purchasing can be further streamlined. We offer a smooth comparison process from more than 20+ insurers so that you can get great savings on your premium.

        Furthermore, some dealers don't provide a breakdown of the car insurance cost within the package and offer a boxed price. This lack of transparency makes it challenging to assess whether you are getting a good deal on the car and the insurance policy as well. However, when you purchase a policy online, you mostly get a breakdown of every component offered by the insurer under your brand new car policy.

      2. Special Plans such as PAYD and Preferred Garage

        Are you planning to purchase a car to drive occasionally or for a shorter distance? Then why purchase a car insurance policy only for the distance you actually cover? Yes, you read that right! When you purchase car insurance for your brand new car online, you can choose special plans like Pay as You Drive car insurance and pay only for the number of kilometres you drive. Moreover, you can also recharge/top-up your plan in case you have exhausted the kilometre limit.

        This plan is beneficial and convenient for drivers who do not drive regularly as it can help to save them on their motor insurance premium. You can compare and choose between such plans on Moreover, with features like Preferred Garages, a policyholder can get cashless services at a garage that's near his/her preferred location.

      3. Hassle-Free Claim Settlement

        Buying car insurance online also guarantees an easy and hassle-free claim settlement process. Whenever your car suffers any damage, you can directly raise a claim from the insurer’s website online or contacting their claims team. Moreover, if you have purchased a policy from Policybazaar, you can also contact our claim assistance team to raise any claim.

        Additionally, you can also raise a self-video claim on our PB app without any extra hassle. Online claims are faster and real; do not get tricked by offline dealers stating that you cannot get a claim if you buy a policy online.

        Will I get a Cashless Claim if I buy car insurance for my brand new car online?

        Yes, you will. As a potential buyer, you should not get misguided by dealers claiming to offer "cashless network garages" if you purchase a policy from them. However, this statement is not true, as cashless services can also be availed if you buy the policy online from any intermediary or from

        You can easily find a list of authorised cashless garages near your location on our plans page, where you can raise a cashless claim easily.

      4. Availability of Add-Ons

        Purchasing brand new car insurance online is also beneficial as you can club your policy with various additional covers. These add-ons are also available when you purchase insurance from a dealer, but you don’t get a chance to compare their features and premiums.

        However, with online purchases from any intermediary or, you can easily compare and choose the add-ons that you specifically require for your car.

        Some popular add-ons for a brand new car include Zero Depreciation (Bumper to Bumper cover), Engine Protection, Invoice Price cover, Consumables and Roadside Assistance.

      5. Convenient Purchase Process

        The process of purchasing motor insurance online can be done easily in the comforts of your home. It is very convenient and saves you a lot of time. Moreover, purchasing insurance online is a completely transparent process, as no middlemen are involved. You can also cross-check all the information about your policy online before making a purchase.

        Other than being convenient, purchasing car insurance online involves less paperwork as it does not involve the exchange of many documents or multiple forms offline. You can simply visit any insurer website or and purchase a plan with minimal documentation. Moreover, the process of NCB transfer from your old car to a brand new car becomes easier when you buy new car insurance online.

      6. Dedicated Customer Support

        Dedicated customer support is readily available when you buy motor insurance for your brand new four-wheeler online. At Policybazaar, we offer 24*7 claim assistance services to our policyholders. You can connect with us any time of the day via email, chat, or our toll-free number to get your claim and purchase-related queries addressed.

        On the contrary, when you purchase insurance for your car from a dealer, getting dedicated assistance to your queries becomes quite a cumbersome task. The customer support team will be available only for limited hours, so you won’t get the desired assistance when needed.

        Moreover, with self-inspection video claims offered online, the need for a surveyor to physically visit you and assess your vehicle is reduced.

      Customer Testimonials on Buying New Car Insurance Online


      I appreciated the flexibility in choosing coverage options that suited my needs. Policybazaar allowed me to customize my policy, ensuring I got exactly what I wanted without any extras that my dealer offered at a higher price.


      Contacted the customer care executive before purchasing a policy from Policybazaar. The team is so patient in answering all your questions. They are really helpful and prompt. Since I was looking for a policy for my new car, I purchased a third-party plus OD car insurance from them and was highly satisfied with their customer support.


      Unfortunately, I had to file a claim after a minor accident with my brand new Tiago. With the help of Policybazaar customer support, the claims process was surprisingly straightforward and efficient, making a stressful situation much more manageable.


      The best part about purchasing car insurance from Policybazaar was the cost transparency that my dealer wasn’t providing. These guys provided transparent and detailed information about the policy terms and conditions. No hidden fees or surprises, and every cost was clearly mentioned on their website for easy understanding.


      Opting to buy car insurance from Policybazaar instead of through the dealer was a smart move. I not only saved money on premium, but the process was quick and efficient, with dedicated customer support that I loved.

      FAQs on Car Insurance for Brand New Cars

      • Q1. Is it safe to buy new car insurance online?

        Ans: Yes, purchasing car insurance for your new car online from an IRDAI-registered insurance company is totally safe. You can easily compare and buy car insurance online from trusted sources like

      • Q2. How to pay for insurance online for my brand new car?

        Ans: There are many safe online payment methods available to pay for your motor insurance policy. These include bank cards, net banking, and UPI payments. All these payment methods are securely encrypted and totally safe.

      • Q3. Are there any additional ways to reduce my car insurance premium further?

        Ans: Yes, you can reduce your four-wheeler insurance premium online by following these ways:

        • If you are an occasional driver, invest in a Pay as you drive plan to reduce your premium.
        • If you are planning to buy a new car after selling your old car, make sure to transfer your existing NCB to your new car. This may get you a good discount on your new car insurance premium.
        • Install an ARAI-approved anti-theft device in your car. This will help you get an additional discount.
      • Q4. Is Rat Bites covered in car insurance?

        Ans: Yes, comprehensive car insurance and OD policy cover rat bites causing electrical damage to your four-wheeler. You can claim for accidental damages caused by attacks by rats and other animals.

      • Q5.Is there any limit to the number of cashless claims one can take in a year?

        Ans: No. There is no limit on the number of claims you can raise during a policy year. Almost every insurer in India offers an unlimited claim feature to their policyholders.

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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.

      ##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.