Drive with Confidence, Protect What Matters!
Car insurance is essential for safeguarding your vehicle against unexpected incidents like accidents, theft, fire, and natural disasters. A comprehensive car insurance plan not only covers damages to your car but also provides protection against third-party liabilities, including injury, death, or damage to third-party property. By having a valid car insurance policy, you also stay compliant with the legal requirements of the Motor Vehicles Act in India, ensuring you’re protected both on and off the road.
What is Car Insurance?
Car insurance, also known as auto insurance or four-wheeler insurance, is a contractual agreement between the vehicle owner and an insurance provider. In exchange for paying a premium, the insurer offers financial protection against unexpected events like accidents, theft, fire, natural disasters, and third-party liabilities.
A valid car insurance policy not only provides financial security but also helps you avoid penalties for violating traffic laws in India. There are three main types of car insurance available: third-party, own-damage, and comprehensive insurance.
- Third-party insurance covers liabilities arising from damages or injuries caused to others in an accident, keeping you compliant with Indian motor laws.
- Comprehensive insurance offers broader protection, covering both third-party liabilities and damages to your own vehicle from accidents, theft, and natural or man-made disasters.
Additionally, you can opt for a Personal Accident Cover of up to INR 15 Lakh, providing financial compensation for the death, injuries, or disability of the vehicle’s owner or driver.
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Plan Type
Comprehensive
Claims Settled
96%
Key Features of a Car Insurance Policy
| Categories | Key Features |
|---|---|
| Third-party damages | Covers death, injuries, and property damages caused to third parties. |
| Own damage cover | Available under standalone and comprehensive policies. |
| No Claim Bonus (NCB) | Get up to 50% discount for claim-free years. |
| Car insurance premium | Plans start as low as ₹2094*. |
| Discounts | Benefits like anti-theft device discount, NCB, deductibles, AAI membership. |
| Add-on covers | Choose from over 10 add-ons including Zero Dep, NCB protection, and roadside assistance. |
| Buying/Renewal Process | Convenient online purchase and renewal options. |
| Personal accident cover | Coverage up to ₹15 lakh for personal accidents. |
| Cashless Garages/Repairs | Cashless repairs available at network garages. |
Why Do You Need Car Insurance?
Here are the top 4 benefits of having car insurance:
Legal Compliance: Car insurance ensures you follow the Indian Motor Vehicles Act, which mandates at least third-party insurance for all vehicles. Driving without it can lead to heavy fines and legal trouble.
Third-Party Liability Coverage: Car insurance protects you from third-party liabilities such as damages, death, or injuries caused by your vehicle. It covers up to ₹7.5 lakh for property damage, and there’s no limit for third-party death or injury claims.
Own Damage Protection: In case of accidents, fire, or natural calamities, car insurance provides coverage for repairs or replacement, covering expenses up to the Insured Declared Value (IDV) if your car is totaled.
Personal Accident Cover: A Personal Accident (PA) cover, mandatory with car insurance, provides compensation for medical expenses, disabilities, or even death caused by accidents. You can get up to ₹15 lakh coverage for the owner-driver.
Car insurance not only ensures legal compliance but also offers comprehensive protection for both you and third parties in various unfortunate scenarios.
Types of Car Insurance Policies
Insurance companies in India offer three main types of car insurance policies: third-party, comprehensive, and standalone own damage car insurance. You can select a plan based on your budget and coverage needs.
Third-Party Car Insurance
This is a mandatory policy as per the Motor Vehicles Act. It covers third-party liabilities such as injuries, death, or property damage caused by your vehicle. However, it does not cover damages to your own car.Comprehensive Car Insurance
A comprehensive car insurance policy provides extensive coverage, including third-party liabilities and damages to your own car due to accidents, natural disasters, theft, or fire. It offers a wider scope of protection, making it a popular choice among vehicle owners.Standalone Own Damage Car Insurance
This policy specifically covers damage to your own vehicle caused by accidents, fire, theft, or natural calamities. It is a good option if you already have a third-party insurance policy and want additional coverage for your own car.
Each policy type has its unique benefits, and selecting the right one depends on your personal requirements and the level of coverage you need for your vehicle.
Coverage Under Car Insurance Policy
| What is Covered | What is Not Covered |
|---|
| Third-Party Liabilities – Damages caused by the insured car to a third party, including third-party death, disability, and property damage, are covered under a comprehensive car insurance policy. | Wear and Tear – Regular wear and tear of the vehicle parts due to aging or usage are not covered. |
| Accidents – Any damages sustained by the insured vehicle due to road accidents or collisions are covered under a comprehensive policy. | Driving Without a License – Damages caused when driving without a valid license are not covered. |
| Theft – Loss or damages due to theft or burglary of the insured car are covered. Compensation is provided based on the vehicle’s Insured Declared Value (IDV). | Driving Under Influence – Accidents or damages caused while driving under the influence of alcohol or drugs are excluded. |
| Natural Calamities – Damages from natural disasters like earthquakes, cyclones, and floods are covered. | Electrical or Mechanical Breakdown – Any internal breakdowns that are not accident-related are excluded from coverage. |
| Man-made Acts – Damages due to man-made acts like riots, strikes, or terrorist activities are covered. | Invalid Policy – Any damages caused while the policy is lapsed or invalid are not covered. |
| Fire – Losses from fire, explosion, or self-ignition of the insured vehicle are included in the coverage. | Damage Outside the Geographical Area – Damages caused outside the specified coverage region are excluded. |
| Animal Attack – Damages caused by animal attacks, such as rat bites, are also covered. | Consequential Losses – Damages that result indirectly from an event, such as loss of use, are not covered. |
| In-transit Damages – Coverage includes any damage sustained while the vehicle is in transit via road, rail, water, or air. | Intentional Damages – Any damages intentionally caused to the vehicle by the policyholder are not covered. |
Benefits of Buying Car Insurance Online
Instant Quotes – Get premium quotes instantly by entering your car details online. Platforms like idcsindia.in offer quotes from over 20 insurers, making the process quick and easy.
Lower Premiums – Online car insurance is more affordable than offline options. Insurers reduce their operational costs online and pass these savings on to customers through lower premiums.
Easy Comparisons – You can conveniently compare various car insurance plans from different providers online. Platforms like idcsindia.in enable side-by-side comparisons to help you choose the best plan that fits your budget and requirements.
Time-Saving – Buying car insurance online saves time. You don’t need to visit multiple agents or offices—everything is available at your fingertips.
Paperless Transactions – The entire process is digital, from purchasing to policy issuance. This not only reduces paperwork but also speeds up the process.
Convenience – You can purchase car insurance anytime and anywhere, without relying on physical office hours, making the process more flexible and convenient.
Documents Required to Avail Car Insurance Online
When purchasing or renewing a car insurance policy online through platforms like idcsindia.in need extensive documentation or paperwork. However, it’s essential to have the following details handy during the process:
Registration Certificate (RC):
- Owner’s name
- Make, model, and variant
- Engine number
- Chassis number
- Car’s cubic capacity (CC)
- Fuel type
- Vehicle class
Previous Year Policy:
- No Claim Bonus (NCB)
- Insurer name
- Policy number
- Policy period
- Add-on information
Know Your Customer (KYC) Documents:
- PAN Card
- Aadhar Card
- Driving License
- Voter ID
- Form 16
- Passport
Benefits of Car Insurance Renewal Online
Renewing your car insurance is essential to maintain uninterrupted coverage. Here are some key benefits of renewing your car insurance online:
Easy Comparison
Renewing your insurance online allows you to effortlessly compare plans from various insurers. This not only helps you find the best premium rates but also highlights additional services such as free pick-up and drop, three-day repair assistance, cashless claims, and self-video claims.Easy Customization
Online renewal offers the flexibility to modify your car insurance coverage. You can easily add or remove add-on covers according to your needs. Keep in mind that any changes to your coverage can impact your car insurance premium, so choose add-ons wisely.Easy to Switch Insurers
If you’re unhappy with your current insurer or wish to upgrade your policy, online renewal makes switching insurers simple and convenient. You can explore better coverage options and features without the hassle of visiting multiple offices.Secured & Transparent
Online renewal processes utilize secure payment gateways, ensuring your transactions are safe and transparent. You can make premium payments easily using credit cards, debit cards, or UPI, providing you with peace of mind during the renewal process.
Renewing your car insurance online not only saves time but also empowers you to make informed decisions tailored to your needs.