Car Insurance - Buy Four Wheeler Insurance Online
Top Car Insurance Plans
- CASHLESS GARAGES 8000+
- CLAIMS SETTLED 100%
- ZERO DEP. CLAIMS UNLIMITED
- Maximum Cashless Garages
- Over Night Vehicle Repairs
- 24x7 Roadside Assistance
- Quick Claim Settlement
- CASHLESS GARAGES 3,100
- CLAIMS SETTLED 95%
- COMPREHENSIVE CLAIMS UNLIMITED
- Towing Assistance (For Accidents)
- Coverage Outside India
- PSU Provider
- Quick Claim Settlement
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Know about Car Insurance
Buy or Renew your Four Wheeler Insurance Policy in less than 60 seconds ⚡.Car insurance provides compensation to the policyholder in the event their car is stolen or damaged due to any unforeseen circumstances.
What is Car Insurance?
Get car insurance & protect your vehicle & yourself.
A car or four-wheeler insurance is a legally binding document between an insurer and a policyholder. A car insurance is a type of motor or vehicle insurance that provides financial security for your car in case it gets damaged, stolen or needs any sort of repair post an accident. A car insurance also provides financial and legal security in case your car gets into any kind of accident on the road and damages a third party, their vehicle or property. There are majorly three different types of car insurance - standalone own damage (SAOD), third-party and comprehensive car insurance. As per the Motor Vehicle Act 1988, it is mandatory to have a third-party car insurance for all car owners in India.
Types of Car Insurance
It is important to choose the right car insurance policy for yourself and before you do that, here’s all that you need to learn about the different types of car insurance policies.
- Preferred
Comprehensive Car Insurance
A comprehensive car insurance is an insurance that covers you for both standalone own damage and third-party car insurance. Its benefits covers you financially and legally from damage done to third party property, injury or death of third party.
Third-party Car Insurance
A third-party car insurance is an insurance that is mandatory as per the Motor Vehicle Act of 1988. With this insurance plan you are safeguarding yourself with any legal or financial liabilities arising due to an injury caused to a third-party, or any damage to their property or vehicle by your car. A third-party car insurance also covers the cost incurred in covering for the loss of life of a third-party.
Standalone Own Damage Car Insurance
A standalone own damage car insurance gives you legal and financial protection to your car from any damage caused due to accident or natural and manmade calamities. This car insurance also protects your car from theft, fire, vandalism or if there is any loss of property (kept in your car) during a theft, accident or calamity.
Third-Party Vs Comprehensive Car Insurance
The difference between a comprehensive and a third-party policy can be drawn from the below-mentioned table.
Covers |
Third-party Liability Insurance (mandatory )
|
Comprehensive Policy (Recommended ) |
Damage to a third-party vehicle in an accident | Yes |
Yes
|
Own damage cover (damage caused to your car in an accident) | No | Yes |
Personal cover (damage caused to you in an accident) | Optional Add-on | Optional Add-on |
Cover against natural disasters (fire, flood, earthquake, etc.) | No | Yes |
Cover against acts of terrorism, vandalism, riots, etc. | No | Yes |
Transit cover (damage caused while your vehicle was in a truck, train, or ship) | No | Yes |
Car Insurance Add-ons
Add-ons are optional extra benefits which can be added to your policy to extend the coverage. Add-ons come with a price so every added add-on increases your premium. By adding add-ons to your car insurance policy you can extend the overall protection of your car.
Pay As You Drive
Pay As You Drive is a new development in the space of car insurance. This car insurance add on helps you save more on your car insurance premiums since you only pay for the number of kilometres you choose to drive. This is a discounting-based add on cover that is easily customisable as per your need. When you drive less, you pay less which reduces your overall premium price.
Zero Depreciation
This is one of the most purchased and useful add-on. With this add-on, the depreciation factor is out of the policy and the parts are considered to hold their original value irrespective of the age of the car. The zero depreciation cover is available till the age of the car is 7 years, or 10 years in some cases where the car has been well maintained.
NCB Cover in Car Insurance
The NCB Protection add-on safeguards your accumulated NCB in case the policyholder is involved in an accident. For example, if you have an NCB of 20% and you renew your policy with an NCB protector. Your NCB will stay 20% for the next renewal even if you claim during the policy period. If you don't make a claim, your NCB will increase according to the guidelines.
Engine Protection Cover in Car Insurance
This add-on covers the repair or replacement of your engine when required. The benefits of this add-on do not restrict to cases of accidental damage but engine damage due to car break down is also included. It proves to be beneficial for people who reside in places which witness water logging issues or are on flood alert during monsoon which causes risk of damage to the cars engine.
RTI Car Insurance Cover
Return to Invoice or Invoice covers both ex-showroom + RTO tax of your vehicle in case of theft/loss of your car hence keeping the original invoice of the car intact and providing you with increased coverage.Note that this add-on is only available for the first 3 years from the date of purchase of your vehicle.
Roadside Assistance Cover Car insurance
Roadside Assistance is another very popular add-on. It provides towing assistance in case your car is no longer in condition to be driven. It proves to be useful as it helps to transport your car to nearest garage in cases when your car breaks down or gets severely damaged in an accident. Apart from towing assistance, roadside assistance also helps in emergencies like flat tyre, empty fuel tank, battery issues, etc.
Consumable Cover in Car Insurance
This add on covers the charges of consumables like nut and bolt, screw, distilled water, oil filter, engine oil, brake oil, fuel filter, grease, washer, etc.
Electrical Accessory Cover
This add-on protects you against damages that may arise to the following common car electrical accessories present in a four-wheeler - Fog lights, Air conditioner, Music player/system, Monitor, Entertainment System, and Brake lights.
Non-electrical Accessory Cover
Non-electrical Accessory Cover: Non-electrical accessories are covered under this add-on, it protects you against damages to the following: seats, Leather-seat upholstery, Bi-fuel systems, Interior fittings, CNG kits, Wheels, etc.
Battery Cover
This add-on is important for hybrid and electric vehicles as it covers the cost to repair or replace electric parts such as the vehicle’s battery, its drive motor/electric motor, and its Hybrid Electric Vehicle (HEV) system. These repairs are very costly and hence getting this cover is highly recommended.
Loss of Personal Belongings
If any personal belonging like clothes, laptops, or gym equipment is lost in an accident or theft, this add-on covers their cost. To avail the benefits of this add-on you need to file an FIR and submit a copy of the same.
Tyre Protection Cover in Car Insurance
Tyre cover add-on covers accidental loss, damage, or cuts on tires. It covers the cost of labour required to repair as well.
Driver Cover
This cover is a personal accident cover for a paid driver who receives cover for medical expenses in case of injuries due to an accident. Note that the cover will only be provided to the driver whose name is listed as your paid driver in the policy documents.
Key and Lock Replacement Cover
This add-on covers the cost of repairing or replacing the keys and lockset of your car. Lost keys, damaged keys, and damaged locksets are covered with this add-on.
Explore Car Insurance
Top Car Insurance Companies in India 2024
There are 20+ best car insurance companies in India that sell insurance for car online with different features, each unique in its own way. However, going through them individually would be a tedious task hence we have compiled a list of the top car insurance companies with their unique features to help you choose the right plan for your car.
Car Insurance Company | Network Garages | Claim Settlement Ratio | Founding Year | |
---|---|---|---|---|
SBI | 16,000 | 100.00% | 2009 | |
HDFC ERGO | 6,800 | 99.48% | 2002 | |
Royal Sundaram | 3,300 | 98.60% | 2001 | |
Bajaj Allianz | 4,000 | 98.50% | 2001 | |
Reliance | 8,200 | 98.00% | 2000 | |
Liberty | 4,500 | 98.00% | 2013 | |
Kotak Mahindra | 2,327 | 98.00% | 2015 | |
Edelweiss | 1,500 | 98.00% | 2016 | |
Magma HDI | 4,000 | 97.10% | 2009 | |
Future Generali | 3,500 | 96.30% | 2007 | |
Digit | Repair Anywhere | 96.00% | 2016 | |
Chola MS | 4,636 | 96.00% | 2001 | |
Universal Sompo | 3,500 | 96.00% | 2007 | |
Shriram | 2,000 | 96.00% | 2006 | |
IFFCO Tokio | 4,300 | 95.80% | 2000 | |
United India | 3,100 | 95.00% | 1938 | |
ICICI Lombard | 5,600 | 94.84% | 2001 | |
Bharti AXA | 5,200 | 94.84% | 2008 | |
Oriental | 3,100 | 94.00% | 1947 | |
National | 3,100 | 93.00% | 1906 | |
New India | 3,000 | 92.23% | 1919 | |
Raheja QBE | 1,000 | 92.00% | 2007 | |
Tata AIG | 7,500 | 91.80% | 2001 | |
Acko | 2,000 | 72.68% | 2016 | |
Navi | 900 | 53.10% | 2016 |
Disclaimer:*The above-mentioned claim settlement ratio (CSR) has been sourced from IBAI’s General Insurance Claim Insights Handbook - 5th Edition. InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.
How to Buy Car Insurance Online?
The process of buying a car insurance online is quite simple and easy. Here’s how you can buy the right four wheeler insurance online with us.
- Fill Your Car Details
Provide your car details such as its make, model, etc, to see car insurance price offered by top insurance providers in India.
- Compare Car Insurance Quotes
From all the available car insurance plans, select the plan which suits your budget & requirements in the best manner.
- Make Payment Online
Pay the policy premium online & get your car insurance document instantly in your inbox.
Key Features of a Car Insurance Policy
Here are some of the key benefits of having a car insurance policy:
- Covers cost of damage or loss of the insured vehicle: When you protect your car with a stand alone own damage or a comprehensive car insurance, you free yourself from major financial and mental stress cropping up due to any theft, damage, or repair arising due to accidents, and natural or manmade disaster. In case your car is lost in transit while relocating through road, air, lift, waterways or rail, your car insurance covers that too.
- Covers third-party liabilities: As per the Motor Vehicle Act 1988, having a third-party car insurance is mandatory in India if you are a car owner. When you have this third-party car insurance, you are protected from any legal or financial liabilities arising due to a mishap on the road. This insurance covers damage or injury to any third-party, their property or vehicle. Even in case of death of a third-party, your third-party car insurance bears the cost for the same.
Documents Required for Purchasing a Car Insurance Policy in India
The following documents are mandatory to purchase a car insurance policy:
- Govt. authorised Identification Document (Passport/PAN Card/Aadhar Card)
- Driving License
- Registration Certificate of Vehicle
- Passport size photograph
Why Choose InsuranceDekho for Car Insurance Online?
- Car Insurance in Just 5 Minutes*
Wait no more! Get your car insurance online in just 5 minutes with our easy, quick and paperless car insurance policy issuance process.
- Over 45 Lakh Happy Customers
InsuranceDekho is a favourable choice among insurance buyers. Our transparent and quick process, availability of top-rated four wheeler insurance and dedicated customer support team has helped us win the love and confidence of over 45 Lakh happy customers
- 7 Days Dedicated Customer Support
Our dedicated customer support team is available at your service all the 7 days of the week. Feel free to reach out to us for any four wheeler insurance related assistance, be it for policy purchase or claim settlement, we are always there to help you.
Why do you need Car Insurance?
You may require to have a car insurance because road accidents, damages due to natural and manmade calamities, and theft can occur anytime. Your car insurance provides a safety net to you in any of these cases and helps save on your out of pocket expenses. It is also important to note that if you do not have a third party car insurance, which is mandatory by law, you will end up paying challan for breaking the law.
Covered vs Not Covered Under Car Insurance Policies?
Below are the common inclusions and exclusions under car insurance:
Inclusions:
- Natural disaster coverage which includes coverage from floods, storms, cyclone, earthquakes, etc
- Personal accident cover - amount dependent on the insurer
- Access of cashless repairs in network garages
- Choose from different add-ons
- Coverage for accidents, theft, and terrorism
- Coverage for third-party legal liabilities
- No claim bonus benefits
Exclusions:
- Ageing and wear & tear of your car
- Breakdown - both mechanical and electrical
- Any damage coming due to being under the influence of drugs or alcohol
- Damages caused while driving without a valid driving licence
- Any loss that is consequential
- Any loss or damage caused due to war or nuclear risk
Comparison of Different Car Insurance Plans
Coverage | Third-Party Cover | Standalone OD Cover | Comprehensive Cover |
---|---|---|---|
Third-Party Bodily Injuries | |||
Third-Party Property Damage | |||
Car’s Own-Damages | |||
Personal Accident Cover | |||
Theft of Car | |||
Add-ons Availability |
Eligibility Criteria for Purchasing a Car Insurance Policy
In order to purchase a car insurance plan, here’s the list of must haves:
- Your vehicle should be registered under the Regional Transport Office (RTO)
- You must have your car registration papers
- You must own a valid driving licence
- Other documents may be required depending on the requirements by the insurer such as KYC, previous year policy document / invoice copy in case of a new car, RC etc.
Car Insurance Portability: What it is & How it works
When you are looking at choosing a new car insurance plan from a different insurer, you opt for a car insurance portability. With a car insurance portability you can:
- move to a new and better insurance company based on their CSR, and your specific needs
- You have the option to transfer your no claim bonus to your new insurance plan
- You can include new and improved add-ons to your plan based on your current requirement
What is Car Insurance Renewal & Why is it even more important?
When you choose to expand your car insurance coverage to another year then you opt for car insurance renewal. Your car insurance policy term is of one year, after this term is over you are required to renew your car insurance. Here are some of the main reasons why you should be renewing your car insurance policy on time:
- Legal Compliance: It is mandatory to have third-party insurance under the Motor Vehicle Act of 1988. Failure to do so can cause fines or imprisonment since you are not compliant with the law.
- Financial Protection: Not renewing your car insurance policy on time can take away all your coverage and protection leaving you financially liable to pay your expenses from your own pocket for both your own car damage and repair and third-party coverage.
- No Claim Bonus: When you do not make a claim in a particular year, you get no claim bonus that can either be deducted from your next premium payment or be added as an additional amount to your overall premium. Not having insurance cancels out this no-claim bonus amount.
Process of Car Insurance Renewal Online
Step 1: On the official InsuranceDekho website click on "Support"
Step 2: Go to the "Renew Policy"
Step 3: Click "Send OTP" after entering your mobile number
Step 4: You will be given access to your car insurance policy details
Step 5: Click the "Renew" button and then you can renew your policy
Step 6: Lastly, complete the payment to finalise the policy renewal. After successful payment, your car insurance policy will be renewed
Payment Options:
You can choose to make the payment using any of the following modes:
- EMI (Equated Monthly Instalments) or yearly payment
- Credit Card
- Debit Card
- Digital Payment Applications, if applicable.
Offline process
InsuranceDekho offers offline help in renewing your car insurance policy.
Call or Home Assistance by InsuranceDekho: You can connect with an InsuranceDekho advisor on call to get complete assistance or request home assistance in case you are unable to renew online or on call or when you need home assistance due to a personal emergency.
How to Renew Your Car Insurance in case your policy has expired?
Policy renewal is a simple and smooth process if you do it through InsuranceDekho. Follow the given steps to renew your car insurance policy from InsuranceDekho’s official website.
Online process
Step 1: Visit the official website of InsuranceDekho and click on "Support" located on the top bar.
Step 2: A dropdown menu will appear, click on "Renew Policy" to proceed.
Step 3: Enter your mobile number and receive OTP to LogIn to your dashboard.
Step 4: You will see all your policies on the dashboard, select the policy you want to renew.
Step 5: Click on the "Renew" button to go to proceed with payment for renewal.
Step 6: To complete the renewal process, make the payment after which your car insurance renewal is completed. You can download the policy documents once the policy status is delivered.
You can make the payment from any of the below-mentioned modes:
- EMI (Equated Monthly Instalments) or yearly payment
- Credit Card
- Debit Card
- Digital Payment Applications, if applicable.
Offline process
Alternatively, you can take an offline approach to renew your policy. This is beneficial if you have some queries you want to be addressed before purchasing car insurance. You can renew the policy through offline modes by:
Call or Home Assistance by InsuranceDekho: Connect with an InsuranceDekho advisor on a voice call through the ‘Call Back’ option on the website. The advisor will schedule a visit according to your availability and shall help you with the renewal.
Visit the Insurer's Branch Office: If you prefer to contact the insurer directly, you can do so by visiting the branch office of the insurer in your city and seeking assistance with the renewal process.
Note that if your policy has expired, you get a grace period between 30-60 days depending on the insurer. If you renew the policy within that period, you will not lose any of the benefits like NCB or approval without inspection. In contrast, if you renew after the grace period you will lose your NCB, might have to pay a much higher premium, and maybe will have to go through an inspection.
How to save on premiums while renewing your Car Insurance?
Premiums depend on many factors, mostly on the type and condition of your car. The IDV and make, model, and variant influence your premium significantly. Apart from choosing a car that is basic and not luxurious or sporty, you can reduce your premium by:
Comparing Quotes: Compare quotes from various insurers and find the policy that is less costly but does not make a compromise with covers.
Increase Your Deductible: Deductible is a pre-agreed amount which is the minimum amount a customer has to pay while repairing the vehicle. If the cost of repair is less than the deductible amount, no claim is provided while when the cost of repair crosses the deductible amount, then the insurance company provides cover for the amount on top of the deductible amount to get your car repaired.
Pay As You Drive Add-On: This Add-on is offered by a few insurance companies. Pay As You Drive enables you to take a policy which is designed for cars that are driven less frequently. You can customise your policy by choosing the number of kilometers for which you need coverage, lesser kilometers would mean a lesser premium.
NCB: No Claim Bonus is the discount you get on renewal if you have not filed any claim during the policy. No Claim Bonus varies from 20% to 50% depending on the number of years without a claim.
Key Factors to Consider While Choosing a Car Insurance Plan
Buying the right car insurance plan for yourself is a simple process. Once you are clear with what your requirements are, you simply have to put them to use while selecting a car insurance policy that can cover your requirements. Some of the key factors to consider along with your need are mentioned below:
- Check the insurance type required: Based on your needs, check which insurance type would you like to buy. Since third-party car insurance is mandatory, you must check the benefits of buying a standalone own damage car insurance separately or a comprehensive car insurance which offers benefits of both standalone own damage and third-party car insurance.
- Check IDV: Check for the Insured Declared Value (IDV) of your vehicle. Insured Declared Value in simple terms defines the market value of your car. This metric must be checked as this is the maximum amount that your insurance company will pay you in case your car gets stolen or damaged.
- Add-Ons Offered: Apart from a few add-ons, every car insurance company offers a different set of add-ons. Choose a plan that fits your requirements and offers the add-ons based on your needs.
- Cashless Garage Network: It is important to check the total number of cashless garages the insurer has in your city and in case you are a frequent traveller who enjoys commuting in your car, then the number of cashless garages the insurer has across India. Cashless garages provide a hassle-free repair experience where the customer has to pay nothing upfront to get the car repaired. A higher number of cashless garages of an insurer is good for the customers as the garages would be more easily accessible.
- Claim Settlement Ratio: Any company’s claim settlement ratio or CSR is a reflection of their customer-centric approach and how active they are in solving a customer’s query in distress. It is advised to compare the CSR of your shortlisted companies among other things as this will help you in making an informed decision.
- Services Offered: It is also good to see the list of services offered by the insurer like 24*7 customer support, emergency services and help offered, home pick up and drop, home repair, etc.
- Car Model: The model of the car you have impacts the cost of your insurance premium. Premiums of cars above rupees 15 lakh are usually higher than for cars under 15 lakh. Premiums of luxury cars are even higher.
- Age of Vehicle: The age of your current vehicle also determines the cost of your car insurance premium. Usually, vehicles that are less than five years old are low-risk vehicles and the premium is lower, whereas vehicles that are over five years old are considered high-risk vehicles and tend to have higher policy premiums.
- No-Claim Bonus: Your No Claim Bonus is a direct discount given to you on your policy renewal in case you did not take any claim during the policy period. The No Claim Bonus is effected by your past driving history including your past road accident history, breach of traffic rules and it influences your insurance premium as well. If you take a claim, your No Claim Bonus will instantly become zero unless a No-Claim Bonus Protector was added to your policy.
- Credit History: The credit history of the driver/owner of the vehicle also leads to change in the premium price as your credit score helps in determining whether you will pay your premium on time or not.
- Geographical Location: The geographical location from where you buy the car or where you live also determine the cost of your premium. Premiums in metro cities are higher than that in tier 2 and 3 cities.
- Deductibles: Deductibles are the amount you agree to pay from your pocket in case your vehicle meets with an accident or there is any theft or damage due to natural calamity.
Understanding the Claim Settlement Process
Types of Claim Settlement Processes
There are 2 types of claim settlement processes, cashless claim process and reimbursement claim process.
Cashless Claim Settlement Process
In a cashless claim settlement process, the car is repaired at a cashless garage where the policyholder does not have to pay anything upfront. The amount of repair is directly paid by the insurer to the garage providing the policyholder a very smooth and hassle-free experience.
Reimbursement Claim Settlement Process
The reimbursement process allows a policyholder to get their car repaired at a garage of their choice and then get the billing amount reimbursed to them by the insurer.
How to File a Claim?
Online
To initiate a claim, you have multiple options. You can reach out to InsuranceDekho via our toll-free number at 7551196989 and get assistance with settling your claim
Offline
You also have the option to file your car insurance claim offline through InsuranceDekho. Simply reach out to our customer support team at 7551196989 or send us an email at support@insurancedekho.com to schedule a home visit from our relationship manager.
Our dedicated relationship manager will meet you in person and offer assistance throughout the claim settlement procedure.
Documents Required
Here are the documents required for a smooth claim settlement:
- Original claim form with NEFT mandate form
- Copy of registration certificate (RC)
- Copy of the driving licence of the person driving the vehicle at the time of accident
- Copy of policy
- Certified copy of one officially valid document & PAN card/form 60
- FIR or police report (depending on loss type)
- Garage estimate
- Repair invoice
- Cancelled cheque (in case of non-cashless settlement)
Common Reasons for Claim Rejection
The common reasons for rejection of claims are:
- Not providing all required documents for claim settlement like proof of correct bills, surveyor’s report, etc
- Making false claims or when the damage was caused under the influence of drug or alcohol
- Intentional harm caused to a third-party
- Intentional damage caused to own vehicle for availing insurance
Tips for Avoiding Claim Settlement Issues
Make sure you have all your correct documents and reports before you make the claim request. Also, carry all required documents like RC, driving licence, FIR report, repair invoices and details mentioned in the documents required section to avail claim properly and avoid any hiccups.
How to Download Your Car Insurance Policy Online?
You can download a car insurance policy online through InsuranceDekho or through the insurer's website.
Download from InsuranceDekho
Follow the given steps to download your policy documents from the InsuranceDekho website:
- Go to the official website of InsuranceDekho.
- Please click on the LogIn button on the top right corner of the screen.
- A pop-up window will appear asking for your registered mobile number, providing the correct number as you will receive an OTP to sign in.
- After filling out the OTP, you will be redirected to your dashboard where you will find all of your active policies.
- Proceed by selecting the specific policy whose documents you need to download.
- Download the policy documents by clicking on ‘Download’.
Download from the Insurer's Website
While InsuranceDekho provides a smooth and convenient way of downloading policy documents, you can download policy through the Insurer website as well. The steps will be similar and if you are unable to do so, contact customer support and seek assistance to download your policy documents.
How to Compare Car Insurance Online Quotes at InsuranceDekho?
You can compare different four-wheeler insurance policy quotes online at InsuranceDekho in just 30 seconds. A thorough car insurance comparison of policy quotes can help you find the most suitable policy at the lowest premium. To get the policy quotes, you will have to enter some details such as make, model, fuel type, variant, manufacture year and so on. This will get you a premium offered by several insurers in the market which you can customise with add-on covers and select the one that fits best to your requirements and budget.
Common Car Insurance Terms and Definitions
- Deductibles: The amount which you agree to pay from your own pocket during a damage, repair or replacement need
- Premium coverage: The maximum amount for which your insurer covers your car under a third-party, comprehensive or standalone own damage insurance
- Collision Coverage: Covers the damage caused to your vehicle regardless of who is at fault during an accident. In case of a collison, your insurer covers the cost of repair minus the deductible agreed upon.
- Comprehensive coverage: Covers you financially and legally for both your standalone own damage as well as third-party damage
- Personal Injury Protection: Covers you from day 1 on any injury caused to self during an accident
- Policy Limits: The maximum amount that your insurer will pay during a claim
You may also know
Frequently Asked Questions
- 1
- 2
- 3
- 4
How much is car insurance premium?
The premium rates for third-party car insurance price depend on the engine capacity of the car and is fixed by the IRDAI. However, the premium for standalone own-damage and comprehensive car insurance policies varies from car to car depending on a number of factors such as car's MMV (Make, Model and Variant), RTO location, engine capacity, registration city, fuel type,
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What if my car insurance policy gets expired?
Every car insurance comes with a validity period, post which you need to renew it to continue to enjoy its benefits. However, even if you miss to get your plan renewed by the expiry date, you can still get it renewed till the next 90 days from the date of expiry. After the expiry of this 90-day period, car insurance cannot be renewed. In such a case, you need to purchase a new policy.