Protect Your Car, Drive with Confidence

Comprehensive car insurance solutions to safeguard your journeys against uncertainties.

Understand the Basics

What is Car Insurance?

Car insurance is a protective cover that provides financial security against damages to your vehicle, third-party liabilities, and unforeseen accidents. It ensures peace of mind by covering repair costs, theft, natural calamities, and personal injuries. Car insurance is not only essential for safeguarding your car but is also mandatory under the Motor Vehicles Act. With the right coverage, you can protect yourself against legal and financial burdens while enjoying a stress-free driving experience.

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Benefits That Set Us Apart

Why Choose Us for Car Insurance?

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Instant Policy Issuance

Get your policy quickly with our seamless online process.

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Cashless Repairs

Access a wide network of garages for hassle-free, cashless repairs.

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24/7 Claim Support

Round-the-clock assistance to help you during emergencies.

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No Claim Bonus

Save more with attractive discounts for every claim-free year.

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Customizable Add-Ons

Enhance your coverage with add-ons like zero depreciation and roadside assistance.

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Affordable Premiums

Get maximum protection at competitive rates tailored to your needs.

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1150+

Happy Customers

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89000+

Policies Managed

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15+

Awards Won

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2000+

Claims Settled

Explore Plans for Every Need

Types of Car Insurance Policies

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Comprehensive Car Insurance

Comprehensive car insurance provides extensive coverage, including damages to your own vehicle and third-party liabilities. It also covers theft, fire, natural disasters, and personal accidents.

Suitable For:

Car owners looking for complete protection against all risks.

Key Benefits:
  • Own damage and third-party liability coverage.
  • Protection from theft, fire, and natural calamities.
  • Customizable add-ons like zero depreciation and engine protection.
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Standalone Own Damage Car Insurance Details:

This policy covers damages to your car due to accidents, fire, theft, or natural disasters. It does not cover third-party liabilities and is ideal if you already have a third-party policy.

Suitable For:

Car owners who need additional protection for their own vehicle.

Key Benefits:
  • Covers accidental and natural damage repairs.
  • Allows add-ons for extended coverage.
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Third-Party Car Insurance Details:

A mandatory policy covering damages or injuries caused to a third party or their property. It does not cover your own car’s damages.

Suitable For:

Car owners looking for legal compliance and basic coverage.

Key Benefits:
  • Covers third-party injury, death, and property damage.
  • Legally compliant as per the Motor Vehicles Act.
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Zero Depreciation Car Insurance Details:

Also known as bumper-to-bumper insurance, this policy covers the full cost of repairs without accounting for depreciation. Ideal for new or high-end cars.

Suitable For:

Car owners who want maximum claim payout without depreciation deductions.

Key Benefits:
  • Full claim settlement without depreciation deductions.
  • Beneficial for expensive car parts and repairs.
Highlights of Coverage Options

Key Features of Our Car Insurance Policy

Third-Party Coverage

Protects against legal and financial liabilities caused to others.

Own Damage Cover

Provides financial support for repairs and replacements to your car.

Personal Accident Cover

Safeguards the policyholder in case of injuries or fatalities.

No Claim Bonus (NCB)

Rewards you with discounts for claim-free years.

Cashless Repairs

Convenient repairs at network garages without out-of-pocket expenses.

Add-On Options

Enhance your protection with add-ons like zero depreciation and roadside assistance.

Helpful Answers for Better Clarity

Frequently Asked Questions

Yes, car insurance is mandatory in India under the Motor Vehicles Act. At the very least, a third-party liability insurance policy is required to legally drive your vehicle on Indian roads. It protects you against financial liabilities arising from injuries, death, or property damage caused to a third party. Driving without valid insurance can result in hefty fines, legal penalties, or even suspension of your driving license.

Third-party insurance covers only legal and financial liabilities arising from damage caused to another person, their property, or injuries in an accident involving your vehicle. It does not cover damages to your own car. Comprehensive insurance, on the other hand, offers broader protection by covering third-party liabilities as well as damages to your own vehicle due to accidents, theft, fire, or natural disasters. It also allows you to add optional covers for enhanced protection, making it ideal for complete coverage.

Car insurance premiums are calculated based on several factors such as the Insured Declared Value (IDV) of the vehicle, make and model, age of the car, engine capacity, location, and previous claim history. Additionally, opting for add-ons like zero depreciation, engine protection, or roadside assistance can increase the premium. Discounts, including No Claim Bonus (NCB) for claim-free years, can help lower the premium cost significantly.

No Claim Bonus (NCB) is a reward offered to policyholders for not making any claims during the policy term. It is provided as a discount on the premium amount at the time of policy renewal. NCB starts at 20% for the first claim-free year and can go up to 50% for consecutive claim-free years. However, if a claim is made during the policy period, the NCB is reset to zero in the following year. This discount can also be transferred if you switch insurers or sell your car and buy a new one.

Yes, car insurance policies can be transferred to the new owner when you sell your car. The new owner must submit a formal request to the insurer along with the updated Registration Certificate (RC), previous policy documents, and proof of vehicle ownership transfer. It’s important to complete the transfer within 14 days of the sale to ensure continuous coverage and avoid any liabilities on your part in case of future claims.

Zero depreciation, also called bumper-to-bumper cover, ensures you receive the full claim amount without factoring in depreciation on parts like plastic, rubber, or fiber during repairs. In standard policies, depreciation is deducted, reducing the payout. Zero depreciation is ideal for new or high-end cars, providing higher claim amounts for repairs and replacements. It is usually available for vehicles up to 5 years old and can be availed as an add-on cover.

Yes, a comprehensive car insurance policy covers damages caused by natural disasters such as floods, earthquakes, cyclones, landslides, and storms. It also provides protection against man-made disasters like riots, strikes, and vandalism. However, it is important to carefully review the policy to ensure all potential risks are covered, and you may add specific riders if required for enhanced protection against calamities.

Renewing your car insurance online is quick and convenient. You simply need to visit the insurer’s website or mobile app, enter your existing policy details, verify vehicle information, and choose the coverage you need. Payments can be made securely online, and the renewed policy is instantly issued. It’s recommended to renew before the expiration date to maintain continuous coverage and avoid a lapse, which may result in policy inspection or penalties.

Driving without valid car insurance is illegal in India and can lead to severe consequences. You may face fines, license suspension, or even imprisonment in extreme cases. Moreover, in case of an accident, you will have to bear all the repair costs and legal liabilities out of pocket, which can be financially devastating. To avoid such risks, it’s essential to keep your policy active and renew it before expiry.

Yes, most insurance providers offer add-ons to enhance your car insurance coverage. Roadside assistance provides help in case of breakdowns, flat tires, towing, or battery issues, ensuring you’re never stranded. Engine protection covers damages to your car’s engine due to water ingress, oil leakage, or mechanical failures, which are not covered under standard policies. Add-ons allow you to customize your plan based on specific requirements for added peace of mind.
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