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What is Car Insurance?
Once you've secured the car of your dreams, the next step is to get car insurance from a reliable provider. Think of it as a safety net for your beloved ride and the loved ones who will use it.
Car insurance, also called four wheeler insurance, is a contract between an insurer and you, the policyholder to protect you from unpredictable circumstances like accidents, theft or natural calamities. In India, car owners have the choice between three types of four-wheeler insurance, namely Standalone own-damage insurance, Third-party insurance, and Comprehensive coverage.
According to the Motor Vehicles Act of 1988, every car owner must have at least a third-party insurance policy. This provides coverage in case you are ever involved in an accident causing physical or property damage.
Get Quote NowKey Features of a Car Insurance Policy
Here are some of the key benefits of having a car insurance policy
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.
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.
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.
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.
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.
Types of Car Insurance
Choose the right car insurance policy for yourself from the different types available
- Own Damage Cover
- Third Party Liability
- Theft Protection
- Natural Calamity Cover
- Third Party Death
- Third Party Injury
- Property Damage
- Legal Compliance
- Accident Coverage
- Theft Protection
- Fire Damage
- Natural Disasters
Third-Party vs Comprehensive vs Own Damage Insurance
Compare different types of car insurance coverage
| Coverage | Third-party (Mandatory) | Own Damage | Comprehensive (Recommended) |
|---|---|---|---|
| Damage to third-party vehicle | |||
| Own damage cover | |||
| Personal accident cover | Optional Add-on | Optional Add-on | Optional Add-on |
| Natural disasters coverage | |||
| Theft and vandalism |
Car Insurance Add-ons
Enhance your car insurance coverage with additional add-ons for complete protection
Zero Depreciation
No depreciation on claim settlement for parts replacement
Engine Protection
Coverage for engine damage due to water ingression
Roadside Assistance
24/7 emergency roadside support and towing
Return to Invoice
Get invoice value in case of total loss or theft
Personal Accident
Coverage for driver and passengers
NCB Protection
Protect your No Claim Bonus even after claims
Top Car Insurance Companies in India 2025
Compare quotes from India's leading insurance companies with high claim settlement ratios
Why Choose PaisaOne for Car Insurance?
Experience hassle-free car insurance with comprehensive coverage and exceptional service
Comprehensive Protection
Complete coverage for your vehicle against all risks including accidents, theft, fire, and natural disasters
Instant Policy Issuance
Get your car insurance policy issued instantly online with immediate coverage activation
Easy Premium Calculator
Calculate your car insurance premium instantly with our advanced premium calculator
24/7 Claim Support
Round-the-clock claim assistance with dedicated customer support team
Cashless Garage Network
Access to 8000+ cashless garages across India for hassle-free repairs
No Claim Bonus
Earn up to 50% discount on premium renewal for claim-free years
How to Buy/Renew Car Insurance Online?
Get your car insurance in just 3 simple steps
Fill Your Car Details
Provide car details such as its make, model, registration number to see car insurance prices from top providers
Compare Car Insurance Quotes
Select the plan which fits your budget & requirements best, out of all the available car insurance plans
Make Payment Online
Pay the policy premium online & get your car insurance document delivered instantly to your inbox
What is Covered & Not Covered
Understand what your car insurance policy covers and excludes
- Natural disaster coverage (floods, storms, cyclone, earthquakes)
- Personal accident cover for driver and passengers
- Cashless repairs at network garages
- Coverage for accidents, theft, and terrorism
- Third-party legal liabilities
- No claim bonus benefits
- Fire and explosion damage
- Ageing and wear & tear of your car
- Mechanical and electrical breakdown
- Damage due to driving under influence of drugs/alcohol
- Driving without valid driving licence
- Consequential losses
- War or nuclear risk damages
- Racing or speed testing
Car Insurance Claim Process
Simple and hassle-free claim settlement process
Inform the Insurer
Contact your insurance company immediately after the accident
Visit Network Garage
Take your car to the nearest cashless garage from the network
Submit Documents
Provide required documents and get pre-authorization
Repair Completion
Insurer settles the bill directly with the garage
Eligibility Criteria
- Vehicle should be registered under Regional Transport Office (RTO)
- Must have car registration papers
- Valid driving licence required
- KYC documents for verification
Required Documents
- Government authorized ID (Passport/PAN Card/Aadhar Card)
- Valid driving license
- Registration Certificate (RC) of vehicle
- Passport size photographs
- Previous policy documents (for renewal)
Frequently Asked Questions
Get answers to common questions about car insurance
What is a car insurance policy?
Car insurance is an agreement between an insurance company and a car owner under which the former provides coverage for financial damages incurred by the vehicle in unforeseen events. There are three types: third party, standalone own-damage and comprehensive insurance.
Is car insurance mandatory in India?
Yes, at least third-party car insurance is mandatory in India as per the Motor Vehicles Act of 1988. Driving without valid insurance can result in penalties and legal consequences.
How is car insurance premium calculated?
Car insurance premium depends on factors like vehicle make/model, age, location, driving history, IDV (Insured Declared Value), coverage type, add-ons selected, and No Claim Bonus eligibility.
What is the difference between comprehensive and third-party car insurance?
Comprehensive car insurance covers both own damage and third-party liabilities, while third-party insurance only covers damages to third parties. Comprehensive insurance provides complete protection for your vehicle.
What is Zero Depreciation cover?
Zero Depreciation cover is an add-on that ensures you get the full claim amount without any depreciation deduction on car parts. It's available for cars up to 7-10 years old depending on the insurer.
How to make a car insurance claim?
To make a claim, immediately inform the insurer, file an FIR if required, take photos of damage, submit necessary documents, and coordinate with the surveyor for assessment. For cashless claims, contact the insurer before repairs.
What is IDV in car insurance?
IDV (Insured Declared Value) is the maximum amount your insurance company will pay in case of total loss or theft of your car. It represents the current market value of your vehicle.
Can I transfer my car insurance to a new owner?
Yes, car insurance can be transferred to the new owner when selling a used car. The new owner needs to inform the insurer and complete the transfer process with required documents.
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