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What is Car Insurance?
Car insurance is a policy that protects you financially if your vehicle is damaged in an accident, stolen, or affected by natural disasters. A comprehensive policy offers coverage for unexpected losses and also covers third-party damages, helping you meet legal requirements. It may also include optional add-ons like zero depreciation cover and more. Choose as per your requirements and avoid unexpected expenses by having car insurance.
Different Types of Car Insurance Policies
Third-Party Car Insurance Policy
A third-party liability four wheeler insurance policy covers financial liabilities when you accidentally damage other people's property or cause injuries/death of a third party. This policy is mandatory as per law; however, it does not cover damages to your car.Note: Third-party car insurance provides coverage if you cause damage to another person’s vehicle, injure someone, or if the accident results in their unfortunate death. Third-party insurance helps protect you from financial liabilities in such situations.View More
Comprehensive Car Insurance Policy
The Comprehensive car insurance plan includes all the coverage benefits of the third party plan. Additionally, this plan covers damages to your car caused by accidents, calamities, fire, rat bites, and theft of the insured vehicle. You can also opt for add-on covers to enhance the policy coverage.View More
Standalone Car Insurance Policy
A standalone car insurance policy provides coverage solely for your vehicle, including damages from accidents, natural disasters, fire, and theft. Unlike comprehensive policies, it does not cover third-party liability.View More
Zero Depreciation Car Insurance Policy
Zero Depreciation Car Insurance Policy covers the full cost of repairs or replacement without considering depreciation. It provides full protection for your car's value and eliminates depreciation costs. Zero depreciation car insurance policy ensures you get the maximum repair claim amount.View MoreCompare Car Insurance Policies
Compare Third-Party, Comprehensive, Own Damage, and Zero Depreciation car insurance plans to find the best coverage for your vehicle.
| Coverage Aspect | THIRD-PARTY | COMPREHENSIVE | OWN DAMAGE | Zero Depreciation |
|---|---|---|---|---|
| Accidental Damage to Own Car | ||||
| Fire Damage to Own Car | ||||
| Natural Disaster Damage to Own Car | ||||
| Damage to Third-Party Vehicle | ||||
| Damage to Third-Party Property | ||||
| Personal Accident Protection | ||||
| Injury or Death of Third Party | ||||
| Theft Protection for Own Car | ||||
| Flexible Insured Declared Value (IDV) | ||||
| Additional Add-On Coverage |
Before you buy car insurance remember these points.
Policy Coverage
Check what’s covered and what’s not in the insurance policy. Choose the right coverage to ensure you’re protected if you need to make a claim. Understand your policy for better decisions.Add-ons
Add-ons are extra benefits to your car insurance for more coverage. They include options like Zero Depreciation, Roadside Assistance, and Engine Protection for your vehicle.Service Benefits
Look for service benefits like cashless garages, quick claims, and 24/7 customer support. These features make managing your car insurance easier and ensure fast assistance when needed.Insured declared value (IDV)
IDV is the maximum amount your car insurance will pay in case of theft or total loss. It’s based on your car’s current market value, minus depreciation.
Why is it important to buy car insurance?
01
Financial Protection
Car insurance provides financial protection in case of accidents, theft, or damage, covering repair or replacement costs.
02
Legal Requirement
Car insurance is a mandatory and legal requirement set by authorities. So you must have an insurance policy to drive officially.
03
Medical Coverage
Medical coverage helps cover treatment costs if you or your passengers are injured in an accident.
04
Theft Protection
If your car is stolen, your insurance helps replace it based on its market value, reducing the financial impact.
05
Third-Party Liability
This coverage protects you from legal and financial responsibility for damage or injury caused to others by your vehicle.
06
Natural Disaster Coverage
Car insurance with natural disaster coverage protects against damage caused by events like floods, earthquakes, or storms.
07
Repair Costs
Insurance helps cover repair costs after an accident, so you don’t have to worry about the expenses.
08
No Claim Bonus
Enjoy discounts on your insurance premium for every year you remain claim-free, rewarding responsible driving.
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Key Benefits of Buying Car Insurance Online
More Economical
Comparing car insurance online allows you to find the most cost-effective policy for your needs. It's essential to compare similar types of car insurance policies to make an informed decision.Paperless Transactions
Buying car insurance online eliminates the need for paperwork. You can answer basic questions about yourself and your vehicle, select the desired coverage, and complete the transaction without any physical documents.Instant Policy
Unlike offline purchases that involve lengthy paperwork processing, buying car insurance online results in instant policy issuance. Your information is processed immediately, and you receive your policy without delay.More Convenience
Online car insurance purchases offer remarkable convenience. You can buy insurance at any time, even in the wee hours of the morning, from the comfort of your home. The entire process is smooth and easy.Easy Credibility Check
Checking an insurance company online is easier than doing it offline. Before buying car insurance, you can go to the insurer's website to see their incurred claim ratio, how they handle claims, and how long it takes to resolve them. Reading reviews from other customers also helps you judge the insurer's reliability.
Frequently Asked Questions
Comprehensive insurance gives full protection for your car. If your car is old, a third-party policy is good because it's mandatory and cheaper.
New car insurance costs more because the car's value is highest at the start. As the car gets older, its value drops, and so does the insurance cost. Also, people often add extras that raise the price.
You can lower your insurance cost by choosing a higher deductible, adding anti-theft devices, earning a no claim bonus, avoiding unnecessary extras, and comparing insurance plans.
It only takes a few minutes. Just go to the Vehicleinfo car insurance page, enter your car details, and contact info, and pay the premium for your chosen plan to get your policy instantly.
No, they're the same. The only difference is how you get them - online policies come to your email, while offline ones are sent by post.
Check your policy document, contact customer care.
You can pay online using UPI, credit/debit cards, or net banking.