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IRDAI Registered • 10+ Insurance Partners

Protect Your Car with Zero Depreciation
Coverage Starting ₹2,094/yr

Comprehensive car insurance from India's top insurers — HDFC Ergo, Tata AIG, Bajaj Allianz, ICICI Lombard and more. Compare, customize, and buy in minutes. 5,000+ cashless garages nationwide.

₹2,094
Starting Premium
5,000+
Cashless Garages
97%+
Claim Settled
10+
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IRDAI Approved
4.9★ Rated
Policy Types

Choose Your Insurance Plan

Three types to suit every need and budget. By law, every car must have at least Third Party insurance.

⚖️ Mandatory by Law
Third Party (TP)
The minimum legally required insurance. Covers damages you cause to others — their car, property, or injuries.
Premium Starts From
₹2,094 /year
Fixed rate by IRDAI based on engine CC
Third-party property damage (up to ₹7.5L)
Third-party bodily injury / death (unlimited)
Personal accident cover (owner-driver)
Does NOT cover your own car damage
No theft or natural calamity coverage
🛡️ Own Vehicle Protection
Own Damage (OD)
Protects your own car from damage due to accidents, fire, theft, floods, and other covered events.
Premium Starts From
₹4,500 /year
~1.5–3% of car's IDV (Insured Declared Value)
Damage from accidents (own fault)
Fire, explosion, self-ignition
Theft of entire vehicle
Natural calamities (flood, earthquake)
Does NOT cover third-party liabilities
⭐ Recommended
🏆 Best Value Plan
Comprehensive Insurance
All-in-one protection — covers both third-party liabilities AND your own vehicle.
Premium Starts From
₹6,500 /year
TP + OD + Add-ons combined
Everything in TP + OD combined
Personal accident ₹15 Lakh cover
Zero Depreciation add-on available
NCB Protect, RSA, RTI add-ons available
Cashless claim at 5,000+ garages
Coverage Comparison

What's Covered — Policy by Policy

Coverage / Event Third Party Own Damage ⭐ Comprehensive
Accidental damage to third-party vehicle
Third-party bodily injury / death
Own car damage in accident
Car theft (total loss)
Fire / explosion / self-ignition
Natural calamities (flood, earthquake)
Personal accident (owner-driver)
Up to ₹15 Lakh
Zero Depreciation add-on
No Claim Bonus (NCB) Discount
Up to 50% off at renewal

✅ = Covered   ❌ = Not Covered   ➕ = Available as paid Add-On

Add-On Covers

Supercharge Your Policy with Add-Ons

Available with Comprehensive and Own Damage policies. Pick the ones that matter for your car and driving pattern.

Zero Depreciation
Zero Depreciation (Nil Dep)
Get 100% claim amount without any deduction for depreciation of car parts. Also called "Bumper-to-Bumper" cover.
+₹2,000–₹8,000/yrBest for: New cars (0–5 yr)
Engine Protection
Engine & Gearbox Protection
Covers engine damage due to water ingress, oil leakage, and lubricant damage. Essential for flood-prone cities.
+₹1,500–₹5,000/yrBest for: Flood-prone cities
NCB Protect
No Claim Bonus Protection
Your accumulated NCB discount stays intact even after 1 claim in a policy year.
+₹800–₹2,500/yrBest for: NCB ≥ 35%
24/7 Assistance
Roadside Assistance (RSA)
24×7 on-call help for breakdowns — flat tyre, battery jumpstart, fuel delivery, towing. Covers anywhere in India.
+₹500–₹1,500/yrBest for: Highway drivers
Return to Invoice
Return to Invoice (RTI)
In case of total loss or theft, get your full original invoice value instead of the depreciated IDV.
+₹2,000–₹7,000/yrBest for: Cars < 3 yrs old
Consumables
Consumables Cover
Covers cost of engine oil, coolant, brake oil, nuts, bolts used during accident repairs.
+₹500–₹2,000/yrBest for: New car owners
Key & Lock
Key & Lock Replacement
Covers cost of car key replacement in case of loss or theft. Smart key replacement can cost ₹15,000–₹50,000.
+₹300–₹800/yrBest for: Smart key cars
Tyre Protection
Tyre & Rim Protection
Covers accidental tyre damage — punctures, sidewall cuts, bursts, and rim damage.
+₹1,000–₹3,000/yrBest for: SUV / luxury cars
Premium Calculator

Calculate Your Car Insurance Premium

Estimate your premium based on IDV, engine CC, NCB, add-ons, and apply a promo code for extra savings.

IDV = Your Car's Current Market Value

Higher IDV → Higher premium but better claim payout in total loss or theft

NCB = Reward for No Claims

Every claim-free year saves more. Max 50% discount after 5 years

TP Premium = Fixed by IRDAI

Based on engine CC. Same across all insurers — cannot be negotiated

Promo Codes = Extra Savings

Apply SAVE10, SHIELD20 or FIRST5 to get additional discount on premium

Car Insurance Premium Estimator
IDV (Car Value)₹6,00,000
Engine CC1000–1500 cc
<1000 1000–1500 1500–2000 2000–2500 >2500
NCB Discount0%
0% 20% 25% 35% 45% 50% Max
Select Add-Ons
Apply Promo Code
SAVE10 SHIELD20 FIRST5
Estimated Annual Premium
₹14,280
₹7,920
OD Premium
₹3,416
TP Premium
₹0
Add-Ons
-₹0 Promo discount applied
*18% GST included • Estimate only — actual premium may vary
No Claim Bonus

NCB — Your Reward for Safe Driving

No Claim Bonus (NCB) is a discount on your Own Damage premium for every claim-free year. It can grow up to 50% over 5 consecutive claim-free years and saves you thousands.

🚗
NCB Belongs to You
NCB belongs to the car owner, not the car. You can transfer it when you buy a new car.
🔄
Transfer to New Insurer
When switching insurance companies at renewal, your NCB transfers with you.
⚠️
Claim = NCB Reset
Any claim resets NCB to 0%. Use NCB Protect add-on to keep your discount safe.
💡
Small Claims = Bad Idea
Paying minor repairs yourself often saves more than the claim. Protect your NCB!
Claim-Free YearsNCB DiscountSavings on ₹10K ODEffective Premium
New Car / 0 Years0%
₹10,000
1 Year20%
₹8,000 (save ₹2,000)
2 Years25%
₹7,500 (save ₹2,500)
3 Years35%
₹6,500 (save ₹3,500)
4 Years45%
₹5,500 (save ₹4,500)
5+ Years 🏆50% MAX
₹5,000 (save ₹5,000)
Compare Insurers

India's Best Car Insurers — Compare

HDFC ERGO
Private General Insurer
Claim Settlement98.61%
Cashless Garages7,500+
Claim Process24 Hours
Zero Dep✅ Available
Tata AIG
Private General Insurer
Claim Settlement98.02%
Cashless Garages7,500+
Claim Process30 Minutes*
Zero Dep✅ Available
ICICI Lombard
Private General Insurer
Claim Settlement97.40%
Cashless Garages5,600+
Claim Process24 Hours
Zero Dep✅ Available
Bajaj Allianz
Private General Insurer
Claim Settlement97.0%
Cashless Garages4,000+
Claim Process48 Hours
Zero Dep✅ Available
Claims

How to File a Claim — Step by Step

Cashless Claim
No payment from your pocket — at network garages
1

Inform Insurer (Golden Hour)

Call the insurer's 24×7 helpline within 24–48 hours of accident.

2

Survey & Inspection

Insurer sends a surveyor to assess damages. Take photos at accident site.

3

Take Car to Network Garage

Get list from insurer app/website. Take car to nearest authorized garage.

4

Garage Raises Estimate

Insurer approves covered repairs. You pay only non-covered items.

5

Collect Repaired Car ✅

Pay only compulsory deductible. Insurer settles balance directly with garage.

Reimbursement Claim
You pay first, insurer refunds — any garage
1

Inform Insurer & File FIR

Notify insurer within 24–48 hours. File FIR for theft or major accidents.

2

Get Car Repaired

Take car to any trusted garage. Collect all bills and repair estimates.

3

Submit Claim Documents

Submit claim form, RC, DL, FIR copy, repair bills, photos.

4

Surveyor Assessment

Insurer surveyor reviews documents and verifies claim.

5

Get Refund in Bank ✅

Approved claim credited to bank within 7–14 working days.

💡

Important Claim Tips

📸 Always take photos at accident site before moving car. 📞 Call insurer within 48 hours — delay can lead to claim rejection. 📄 Keep RC, DL, policy document in car always. For stolen car: File FIR immediately and inform insurer within 24 hours.

Documents

Documents for Insurance & Claims

New Car Insurance
When buying for first time
Car purchase invoice (from dealer)
RC Book (Registration Certificate)
Driving Licence (owner or driver)
Aadhaar Card + PAN Card (KYC)
Passport size photograph (2 copies)
Policy Renewal
Renewing existing policy
Existing policy document / number
RC Book (updated if any changes)
NCB Certificate (from old insurer)
KYC documents (if switching insurer)
Car inspection photos (if policy lapsed)
Claim Filing
When making a claim
Duly filled & signed claim form
Insurance policy document / copy
RC Book + Driving Licence copy
FIR copy (for theft / serious accidents)
Original repair bills & receipts
Bank account details (for reimbursement)
Coverage Details

What's Covered vs Excluded



✅ What IS Covered
Comprehensive + OD Policy
Accident damage — repair costs due to collision
Vehicle theft — IDV paid for total loss
Fire & explosion — self-ignition, lightning
Natural disasters — flood, earthquake, cyclone
Man-made events — riot, strike, vandalism
Third-party liability — damage/injury to others
Personal accident — owner-driver up to ₹15 Lakh
❌ What is NOT Covered
Standard policy exclusions
Drunk driving / drugs — claim rejected completely
Invalid Driving Licence — expired or invalid DL
Mechanical breakdown — wear and tear, engine failure
Tyre damage — unless car is also damaged
Consumables — oil, coolant etc. (without add-on)
Racing / speed trials — using car for motorsport
Depreciation deductions — without zero-dep add-on
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Claim Support Throughout

We assist you with claims from filing to settlement. Not just sales.

Policy in 5 Minutes

Buy and receive digital insurance policy instantly via email/WhatsApp

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Reference: CI-2025-XXXX
FAQ

Car Insurance FAQs

Is car insurance mandatory in India?
Yes, absolutely. Under the Motor Vehicles Act 1988, every car driven on Indian public roads must have at minimum a valid Third Party (TP) insurance policy. Fine of ₹2,000 for first offence, ₹4,000 for second. For new cars, 3-year TP insurance is compulsory.
What is IDV and how does it affect my premium?
IDV (Insured Declared Value) is the current market value of your car. It equals the ex-showroom price minus depreciation based on car age. Higher IDV = Higher premium but better claim payout. Never set IDV too low to save premium — you'll lose out in a total loss claim.
What is Zero Depreciation and do I really need it?
Without Zero Dep, insurers deduct depreciation — 50% on rubber/plastic/nylon parts, 30% on fibreglass, 5–10% on metal. This can reduce your claim by ₹20,000–₹80,000. Zero Dep ensures full repair cost without deduction. Strongly recommended for new cars (0–5 years).
How is car insurance premium calculated?
Formula: Total Premium = Own Damage (OD) Premium + TP Premium + Add-Ons + 18% GST − NCB Discount. OD ≈ 1.5–3% of IDV. TP is fixed by IRDAI by engine CC slab. NCB can reduce OD premium by up to 50%.
Can I transfer my NCB when buying a new car?
Yes! NCB belongs to you (the owner), not the car. When you sell your old car and buy a new one, you can transfer your accumulated NCB to the new car's policy. You'll need an NCB certificate from your previous insurer.
What happens if I don't renew on time?
If your policy lapses, you lose your NCB discount. The insurer may require a fresh physical inspection before renewing. You also have zero coverage during the gap — any accident means no claim. Always renew before expiry.
What is the difference between Cashless and Reimbursement claims?
Cashless: Take car to network garage → insurer pays repair cost directly → you only pay non-covered items. Reimbursement: Pay any garage → submit bills → get refund in 7–14 days. Choose cashless for speed and convenience.
Is engine damage covered under standard comprehensive insurance?
No! Standard comprehensive insurance does NOT cover engine damage from water entry or oil leakage. Engine repair costs ₹30,000–₹3,00,000. The Engine Protection add-on covers this. Highly recommended for flood-prone cities.
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Comprehensive Zero Dep File Claim NCB