Compare and Buy Car Insurance Plans Online

You may easily get auto insurance online, without leaving home. Just compare car insurance quotes from the appropriate auto insurance providers and select the plan that suits your needs.

Your car insurance coverage might have add-ons added or removed based on your needs. You may purchase extra add-ons to improve the coverage of your comprehensive car insurance policy.

Another feature of auto insurance is that you can get cashless repairs from insurer-approved network garages. This allows you to have your car repaired without direct out-of-pocket payment at the network garage.

No Claim Bonus (NCB) is a feature of car insurance. If you do not take any claims throughout the insurance year, your insurer may offer you a premium reduction as per policy terms.

In addition to accident-related losses, car insurance also covers theft, vandalism, natural catastrophes, and man-made disasters, subject to policy terms.

  Third-party losses, like when your vehicle causes damage to someone else's property, vehicle, or results in bodily harm.

  Damage to your vehicle caused by self-ignition, vandalism, unintentional fire, and other covered perils.

  Damage to your vehicle brought on by collisions or incidents.

  Natural and man-made calamities

  Damage to vehicles from animal attacks

  Financial losses if your car is stolen

  Damage your car suffered before purchasing insurance.

  Any type of manufacturing flaw in the car's component.

  The cost of repairs or replacements for auto parts that sustain damage over time as a result of regular use.

  Car damage resulting from situations like unlawful driving includes driving while intoxicated, participating in criminal activity, or operating a vehicle without a valid licence.

  Car damage if required documents such as an active driving licence or vehicle registration certificate are absent. 

Always check coverage options while buying car insurance. A suitable insurance policy should offer comprehensive coverage, including third-party liability, own damage, theft, and natural disasters. Add-ons like zero depreciation, engine protection, and roadside assistance can provide additional protection.

Installing anti-theft devices, choosing a larger deductible, or maintaining a claim-free record can result in savings with many insurers, subject to their underwriting criteria and applicable terms.

Always look for customer feedback and the claim settlement ratio while choosing a car insurance company. The claim settlement ratio reflects the insurer's track record in settling claims, which is crucial during emergencies.

 Your car's usage patterns have a direct impact on your premium and the right coverage type.

 Higher engine capacity generally leads to a higher premium.

Older cars typically attract lower premiums due to depreciation, while safety features may help reduce costs.

The No Claim Bonus (NCB) is a factor to consider when renewing your auto insurance. In exchange for not filing a claim during a specific year, the policyholder receives a discount, which reduces the renewal premium.

Check the insurance provider's claim settlement ratio if you want to compare insurers while renewing or buying your auto coverage.

Insurers who have partnerships with a wider network of garages make it easier to access cashless claim facilities.

A no-claim bonus (NCB) protection add-on helps you retain your NCB discount even after filing a claim, subject to insurer terms.

An engine protection cover offers coverage for losses brought on by water intrusion or oil leakage, covering the gearbox, engine parts, and differential, subject to policy terms.

A zero depreciation cover helps in claiming the repair amount without a deduction for the depreciation of parts. Please note that tyres, tubes, and batteries are covered at 50% even under this policy.

A consumables cover reimburses the expenses of replacing necessary consumable parts such as nuts, bolts, screws, AC gas, lubricants, and filters, subject to policy terms.

Personal accident (PA) coverage provides compensation in the event of accidental death or permanent disability of the owner-driver. The PA cover for car insurance has a maximum sum insured of ₹15 lakhs, as set by the IRDAI. Co-passengers can also obtain additional personal accident coverage, subject to predetermined limits.

The Roadside Assistance (RSA) coverage assists with lockout situations, towing, fuel delivery, and at tyre issues. The insurance company arranges for a mechanic to be dispatched to your location. Roadside assistance coverage will not impact your NCB as it is typically not treated as a claim.