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Car Insurance

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What is Car Insurance?

Get car insurance & protect your vehicle & yourself.

Car insurance, also called four wheeler insurance or 4 wheeler insurance, is a contract between an insurer and you, the policyholder. In India, there are three main types of car insurances, standalone own damage (SAOD), third-party, and comprehensive coverage. Under the Motor Vehicle Act 1988, every car owner must have at least a third-party car insurance policy. These car insurance policies protect you financially when your car is damaged, stolen, or needs repairs. It also ensures your financial and legal security if your car injures a third party, damages their vehicle or their property. Today, it’s easier than ever to buy car insurance online or complete a car insurance renewal online, giving you quick and convenient options to maintain proper coverage for your vehicle and ensure both physical and financial safety of yourself and your family.

What is Car Insurance?

Top Car Insurance Plans

Comprehensive
Third Party
Own Damage
  • CASHLESS GARAGES 8000+
  • CLAIMS SETTLED 100%
  • ZERO DEP. CLAIMS UNLIMITED
Starting From 2881
Key Features:
  • Right Green Tick Maximum Cashless Garages
  • Right Green Tick Over Night Vehicle Repairs
  • Right Green Tick 24x7 Roadside Assistance
  • Right Green Tick Quick Claim Settlement
  • CASHLESS GARAGES 3,100
  • CLAIMS SETTLED 95%
  • COMPREHENSIVE CLAIMS UNLIMITED
Starting From 2396
Key Features:
  • Right Green Tick Towing Assistance (For Accidents)
  • Right Green Tick Coverage Outside India
  • Right Green Tick PSU Provider
  • Right Green Tick Quick Claim Settlement
See More Plans

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

    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

    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

    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 Vs Standalone Own Damage Car Insurance

The difference between a comprehensive and a third-party policy can be drawn from the below-mentioned table.

Covers

Third-party (mandatory )

Standalone Own Damage Car Insurance

Comprehensive Car Insurance(Recommended)

Damage to a third-party vehicle in an accident

Yes

No

Yes

Own damage cover (damage caused to your car in an accident)

No

Yes

Yes

Personal cover (damage caused to you in an accident)

Optional Add-on

Optional Add-on

Optional Add-on

Cover against natural disasters (fire, flood, earthquake, etc.)

No

Yes

Yes

Cover against acts of terrorism, vandalism, riots, etc.

No

Yes

Yes

Transit cover (damage caused while your vehicle was in a truck, train, or ship)

No

Yes

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 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.

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.

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.

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.

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 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.

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.

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 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.

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.

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 cover add-on covers accidental loss, damage, or cuts on tires. It covers the cost of labour required to repair as well.

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.

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

Here’s your detailed guide to all car vehicle insurance terminologies.
  • About Car Insurance Quotes

    Car Insurance Quotes

  • About Car Insurance Calculator

    Car Insurance Calculator

  • About Car Insurance Renewal

    Car Insurance Renewal

  • About Comprehensive Car Insurance

    Comprehensive Car Insurance

  • About Third Party Car Insurance

    Third Party Car Insurance

  • About Zero Depreciation Car Insurance

    Zero Depreciation Car Insurance

  • About Car Insurance Add on Cover

    Car Insurance Add on Cover

  • About Car Insurance Claim Settlement

    Car Insurance Claim Settlement

  • About IDV in Car Insurance

    IDV in Car Insurance

  • About Own Damage Car Insurance

    Own Damage Car Insurance

  • About Cashless Garages

    Cashless Garages

Top Car Insurance Companies in India 2025

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
Top Car Insurance Policies

Disclaimer: The list of insurers mentioned above is organized in descending order based on their respective Claim Settlement Ratios. InsuranceDekho neither endorses, rates nor recommends any specific insurer or insurance product offered by any insurer. The insurance plans included herein represent products offered by our partner insurers. For a comprehensive list of insurers operating in India, please refer to the official website of the Insurance Regulatory and Development Authority of India (IRDAI) at www.irdai.gov.in.

How to Buy/Renew Car Insurance Online?

The process of buying or renewing a car insurance online is quite simple and easy. Here’s how you can easily do it for your four-wheeler with us.

  •  Fill Your Car DetailsStep 1
    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 QuotesStep 2
    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
    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:

  1. Financial Protection Against Damages: Covers repair and replacement costs when your car is damaged due to accidents, theft, fire, vandalism, or natural calamities, reducing your out-of-pocket expenses.
  2. Third-Party Liability Coverage: Legally required to drive in India, it protects you from financial and legal obligations if your car injures someone, damages their vehicle or their property.
  3. Personal Accident Cover: Provides financial support if the owner-driver faces injury, disability, or death due to an accident, helping cover medical bills and loss of income.
  4. No Claim Bonus (NCB): Helps reduce your cost of renewal for having no claims made during the policy term, helping you save money over time.
  5. Cashless Repairs at Partner Garages: Allows you to get your car repaired at network garages without paying upfront, with the insurer settling costs directly with the repair centre.

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

Benefits of Buying or Renewing Car Insurance Online

  1. Convenience and Time-Saving: Avoid those lengthy calls with insurance agents and save your time by handling everything on-the-go at your own pace.
  2. 24/7 Availability: Renew policies at your convenience anytime, nights, weekends, or holidays without having to wait for business hours.
  3. Easy Comparison: Compare multiple insurers and plans side-by-side, review customer feedback, and choose the policy that suits you best.
  4. Instant Documentation: Receive digital policy documents immediately, eliminating delays in mailing and leaving you unprotected.
  5. Cost Savings: Online channels often offer lower premiums and exclusive discounts that you don’t get when buying through insurance agents.
  6. Secure Payments: Complete transactions easily through a payment method of your choosing.
  7. Renewal Reminders: Get automated alerts for renewals, preventing policy lapses that leave you uninsured.

Why Choose InsuranceDekho for Car Insurance Online?

Understand your options. Identify the best car insurance price. Enjoy peace of mind.
  •  Car Insurance in Just 5 Minutes*
    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
    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
    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.

What is Covered Under Car Insurance Policies?

Below are the inclusions under car insurance:

  1. Natural disaster coverage which includes coverage from floods, storms, cyclone, earthquakes, etc
  2. Personal accident cover - amount dependent on the insurer
  3. Access of cashless repairs in network garages
  4. Choose from different add-ons
  5. Coverage for accidents, theft, and terrorism
  6. Coverage for third-party legal liabilities
  7. No claim bonus benefits

What is Not Covered Under Car Insurance Policies?

Below are the exclusions under car insurance:

  1. Ageing and wear & tear of your car
  2. Breakdown - both mechanical and electrical
  3. Any damage coming due to being under the influence of drugs or alcohol
  4. Damages caused while driving without a valid driving licence
  5. Any loss that is consequential
  6. Any loss or damage caused due to war or nuclear risk

Comparison of Different Car Insurance Plans

CoverageThird-Party CoverStandalone OD CoverComprehensive Cover
Third-Party Bodily Injuriesrightcrossright
Third-Party Property Damagerightcrossright
Car’s Own-Damagescrossrightright
Personal Accident Coverrightrightright
Theft of Carcrossrightright
Add-ons Availabilitycrossrightright

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.

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 Process

  • 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.

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 for Claim Settlement

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:

  1. Not providing all required documents for claim settlement like proof of correct bills, surveyor’s report, etc
  2. Making false claims or when the damage was caused under the influence of drug or alcohol
  3. Intentional harm caused to a third-party
  4. Intentional damage caused to own vehicle for availing insurance

Tips for Avoiding Claim Settlement Issues

  • Understand Your Policy: Know what your policy covers, excludes, and the claim procedure process by reading your policy document carefully.
  • Keep Documentation Handy: Maintain a clear record of policy documents, proof of insurance, receipts, and other related documents for easy reference.
  • Notify Insurer Promptly: Inform your insurer as soon as possible after an incident, providing accurate details to prevent delays or disputes when filing for claim.
  • Follow the Process: Follow the insurer’s claim filing steps, submit required forms, and respond as soon as possible to any additional requests or questions.
  • Use Authorized Service Centres: Use insurer-approved service workshops when requiring repairs to simplify the claim process and avoid unnecessary complications.

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.

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

Frequently Asked Questions

  • 1

    What is a car insurance policy?

    It is an agreement between an insurance company and a car owner under which the former provides an insurance cover to the policyholder for financial damages incurred by his/her car in unforeseen events. Depending on the coverage, there are three types of car insurance plans - third party , standalone own-damage and comprehensive insurance. It's renewal online process provides instant e-Policy.
  • 2

    Why should I buy car insurance?

    There are a number of benefits of owning four wheeler insurance. Firstly, it helps you meet the legal requirement of owning at least a third party cover. Moreover, an insurance policy helps you meet financial liabilities that may arise towards a third party or own damages to your car due to a road accident or any other unfortunate event.

  • 3

    Is car insurance mandatory in India?

    As per the Indian Motor Tariff, every car owner in the country is compulsorily required to own at least a third party cover. Absence of a valid plan is a punishable offence which attracts a fine of Rs. 2,000 and/or imprisonment of up to 3 months for the first offence.

  • 4

    How is car insurance premium calculated?

    The premium price of third-party car insurance plans is determined by the IRDAI, whereas the premium for standalone own-damage and comprehensive plans vary from insurance company to insurance company. Following are some factors which affect the premium for own-damage four wheeler insurance cover:
    • Insured Declared Value – The Insured Declared Value (IDV) is the current market value of the four wheeler. It is one of the important factors which affect the calculation of the premium as IDV is the amount which insurance companies pay the policyholder in the event of total loss of car. Higher IDV attracts a higher premium.
    • Engine Cubic Capacity – The premium of a car insurance plan is also a function of the car’s engine cubic capacity. Greater the car’s cubic capacity, higher is the premium.
    • Age of the Car – With time the value of the four wheeler reduces due to depreciation. The normal wear and tear reduce the value of the car in the market due to which its insurance premium also reduces. Thus, greater the age, lower the premium.
    • Make, Model and Variant – The make, model and variant of the car affects the IDV of the car which eventually affects the premium. For different make, model and variants of the car, the different premium is applicable.
    • RTO Location – Another important factor is the RTO location of the car. It gives the insurance company an idea about the density of traffic in the area/city where the car will be driven and thus the probability of road accidents and other mishaps.
  • 5

    Can car insurance be transferred to the new owner at the purchase of a second hand four wheeler?

    Yes, the four wheeler insurance can be transferred from the old owner to the new owner in case the sale of a second-hand car. As per the Indian Motor Tariff, the policy transfer should be completed within 14 days from the car’s purchase date.

View More Questions

Find Right Car Insurance Quotes by Body Type

  • Hatchback
  • Sedan
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  • quotesiconFire Damage Claim
    A short circuit in my car's wiring lit a small fire which damaged the dashboard till some extent. Bajaj Allianz was my insurer and handled the claim process ide...Read More
    By Charlie DanielsOn:12th July, 2024
  • quotesiconTheft Recovery
    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purc...Read More
    By Gulfisha AhmedOn:12th July, 2024
  • quotesiconFlood Damage Repair
    My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim...Read More
    By Nilutpal DasOn:12th July, 2024
  • quotesiconAccident Claim Settlement
    I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved withi...Read More
    By Arundhati Raj GuptaOn:2nd July, 2024
  • quotesiconSmooth Third-Party Accident Claim
    Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICI...Read More
    By Padmashree SainiOn:2nd July, 2024
  • quotesiconBroken Window Repair
    While my car was parked in authorised parking, someone broke the window in an attempt to steal my bag from the car. Thankfully he could not steal my bag, and my...Read More
    By Maya ManchandaOn:1st July, 2024
  • quotesiconConvenient Process of Claim
    Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission...Read More
    By Maryam WarsiOn:1st July, 2024
  • quotesiconPerfect mobile app
    I recently switched my car insurer to Acko and I have to say that their digital approach is highly convenient for users. The mobile app is filled with so much f...Read More
    By Rochisha GirotraOn:1st July, 2024
  • quotesiconQuick repair service
    My car's bumper was hanging after it was hit by a car. I gave my car for repair at one of the cashless garages by HDFC Ergo and it was delivered back within the...Read More
    By Kabir MongaOn:1st July, 2024
  • quotesiconSmooth claim process
    My new car was damaged due to a local case of riots and it made me really depressed. Thanks to ICICI Lombard for the extraordinary repair service at one of the ...Read More
    By Sunidhi RawatOn:1st July, 2024
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