Car Insurance

Car Insurance is a vehicle insurance policy that covers a car & its owner against unforeseen damages leading to financial losses. A car insurance policy is a contract where the insurance company provides on-road coverage to the insured car against third-party liabilities and own damages.

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*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

What is Car Insurance?

Car insurance, also known as vehicle insurance or motor insurance, provides financial protection to you & your four wheeler against any loss or damages resulting from accidents, theft, fire, calamities and third-party person or property. It also provides personal accident cover to the car’s owner-driver.

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Key Features of Car Insurance Policy

Key Features Benefits Offered
Third Party Damages Covers both third-party injuries & property damages
Own Damage Cover Available under standalone & comprehensive plan
Personal Accident Cover Up to Rs 15 lakh
No Claim Bonus Up to 50%
Add-On Covers More than 10 add-ons depending on the plan
Car Insurance Premium Starting @ ₹2072/year*
Buying/Renewal Process Online & Offline
Cashless Repairs Available

*TP price for less than 1000 CC cars.
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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Types of Car Insurance Policy in India

Car insurance is a protection shield for your car against any damages caused by natural calamities such as floods, earthquakes, cyclones, accidents, and thefts. There are three types of car insurance policies:

    • Third Party Car Insurance

      Third-party car insurance provides coverage for third-party financial liabilities such as car damage, physical injury, death, disability as well as property damage.

    • Comprehensive Car Insurance

      A comprehensive insurance policy provides coverage for third party liability as well as damages caused to your own car. In comparison with third party liability insurance, a comprehensive car insurance policy offers extensive coverage, more benefits & covers the damages caused to the insured car in case of an accident, collision, theft, etc. 

    • Own Damage

      Own damage policy provides coverage to the policyholder in case their car sustains any kind of damage. The third-party insurance does not cover your own damage so you have to purchase it separately.

    • Pay as You Drive Insurance

      Pay As You Drive Insurance is also known as usage-based vehicle insurance. It allows a policyholder to pay the premium of the insurance according to the kilometers driven by the insured car. This will be useful for those who have multiple cars and hence do not use each of these very frequently. Currently, there are only a few insurers only who are offering this policy. It provides comprehensive coverage for own damage and third-party liability coverage is provided on a pilot basis for a term of a year.

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How to Calculate Car Insurance Premium?

Car insurance price is decided based on several factors. It is also easy to find out the four wheeler insurance premium using an online car insurance calculator. However, the insurance provider takes into consideration the following parameters before fixing the car insurance price:

  • IDV (Insured Declared Value) of the vehicle
  • Age and Type of Car
  • Engine's Cubic Capacity
  • Geographical zone

Car's IDV Calculation Formula:

IDV = Car's Showroom price + Accessories cost – depreciation value

Thus, the formula to calculate OD premium amount is:

Own Damage premium calculation formula:

Insured Declared Value X [Car Premium as per the insurer)] + [ Optional Benefits] – [NCB/Discount etc.]

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How To Compare Car Insurance Online?

Car insurance comparison is essential for choosing the best policy for your car. You should compare car insurance online from top four-wheeler insurance companies before renewing which is quite convenient. It takes a few minutes to buy or renew car insurance online. You have to enter the vehicle details, contact information, and insured details and choose the covers as per your need.

Buying a car insurance policy is mandatory in India for all cars as per the Motor Vehicles Act, 1988. Car insurance companies compensate for the loss or damage caused to the insured car and a third party from the insured four-wheeler. It can help to:

  • Car Make, Model and Variant

    This information is critical to calculating the base premium. A luxurious, powerful and expensive car will attract more premiums. For e.g., an SUV car will always have a higher premium than a family car.

  • Year of Manufacture

    The manufacture year of your car lets the insurance company assess its Insured Declared Value (IDV) that facilitates the underwriter to decide the annual premium for your car.

  • CNG Fitted Car

    Being more vulnerable to combustion, a CNG fitted car is usually insured at a slightly higher premium than a plain petrol/diesel car.

  • Additional Covers

    You need to mention whether you do or do not want to get a cover on electrical and non-electrical accessories fitted in your car. Most insurers provide a cover for your car accessories at an additional premium of 4% on its value.

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Best Car Insurance Policy in India 2022

The following table shows the complete list of the best car insurance policy in India with their personal accident cover and the number of network garages offered by the car insurers:

Car Insurers Network Garages Incurred Claim Ratio % 2020-21
Bajaj Allianz Car Insurance 1024 68.06%
Bharti AXA Car Insurance 3742 64.27%
Chola MS Car Insurance 4636 74.30%
Digit Car Insurance N/A 74.91%
Edelweiss Car Insurance 1268 93.38%
Future Generali Car Insurance 3194 66.13%
IFFCO Tokio Car Insurance 6757 84.04%
Kotak Mahindra Car Insurance 2327 74.64%
Liberty Car Insurance 4365 59.91%
National Car Insurance 456 78.55%
New India Assurance Car Insurance 456 78.20%
Oriental Car Insurance 456 81.83%
Raheja QBE Car Insurance 1000 100.51%
Reliance Car Insurance 4779 76.89%
Royal Sundaram Car Insurance 3868 87.89%
SBI Car Insurance 2613 86.10%
Shriram Car Insurance 2071 79.43%
Tata AIG Car Insurance 1617 75.41%
United India Car Insurance 456 96.45%
Universal Sompo Car Insurance 1493 87.96%
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Coverage Under Car Insurance Policy

  • Loss or damage to the insured vehicle.
  • Loss or damage to your vehicle caused by accident, theft, fire, explosion, self-ignition, lightning, riots, strikes or act of terrorism, natural calamities.
  • Financial liability caused by the injury/death of a third party or damage to the property.
  • Personal accidental insurance cover.
  • Loss or damage if a policy is not in force.
  • Gradual wear and tear of car and its parts.
  • Loss or damage to the vehicle when driven by a person without a valid driving license.
  • Loss or damage to the vehicle as a result of intoxication due to drugs, alcohol etc.
  • Loss or damage to the engine as a result of oil leakage.
  • Loss or damage to the vehicle as a result of abuse of car manufacturer's guidelines.
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Add-On Covers in Car Insurance Policy

The add-on covers need to be purchased on payment of an extra premium amount. Following are some of the add-on covers - No Claim Bonus Protection cover, Zero Depreciation cover, Engine Protection cover, Key protection cover, etc.

Let's discuss Car Insurance Add-Ons in more detail:

  • No Claim Bonus Protection Cover

    For every claim-free year, the insured is rewarded with a discount on the renewal premium. This discount is called - No Claim Bonus (NCB). It is cumulative and increases every year. It usually ranges from 10% to 50% and can save a substantial amount of money on the premium payable for your auto insurance.

  • Engine Protection Cover

    An engine is one of the most important parts of a car. And engine protection cover compensates the cost of fixing the indirect damages that are caused to the engine due to lubricating oil leakage and water ingression. It covers the Gear Box Parts, Engine Parts, and Differential​ Parts.

  • Zero Depreciation Cover

    This additional feature offers compensation even for the depreciating value of your car. With this feature, you will not have to pay for the depreciation value of your vehicle’s parts. It is mostly valid on private cars and is subjected to a specific number of claims during the policy period. Compulsory and voluntary deductibles (as per the case) will be applicable despite zero depreciation cover. You can check with the insurance company for any terms and conditions before making the purchase.

    • Consumables Cover

      Sometimes, a bunch of unforeseen expenses can drain all your savings. Consumables Cover​​. Includes all the expenses incurred on consumable items for any perils that are covered under the policy. Consumable items include screws, nuts and bolts, washers, AC gas, grease, lubricants, bearings, clips, engine oil, distilled water, oil filter, brake oil, and fuel filter are mostly covered.

  • Key Protection Cover​

    Once in a lifetime everyone would have lost or misplaced their car keys. In such cases, the insurer can offer help by covering the costs incurred on the replacement and repair of your car keys.

    • Daily Allowance Benefit​​​​​

      This add-on cover comes to your rescue when your vehicle is parked in the garage after an accident for repair. If you have this add-on cover the insurer will provide you a daily travel allowance if the vehicle requires has to be in the garage for more than 3 days (varies from one insurer to another)

    • Personal Accident Rider Benefit

      Personal Accident Rider is an optional add-on benefit that can be added to the comprehensive auto insurance by paying an extra premium. This rider provides the policyholder with the coverage of medical expenses due to damage, personal injury or disability caused due to an accident.

    • Cover for Car Accessories

      By simply opting for separate add-on policy, you can avail coverage for your car accessories, which a normal 4 wheeler insurance policy may not cover.

    • Deductibles

      Deductibles are a certain percentage of the claim amount that the insured has to pay from their own pockets. A policyholder can save by paying higher deductibles. At the time of filing a claim, if you choose to pay higher deductibles against your claim, your auto insurance provider manages to give you some discount on the premium later on.

    • Personal Accident Cover:

      A comprehensive car policy not only provides third-party cover but as well as offers cover against personal accident. In personal accident cover, you get a pre-defined amount against death because of the accident and permanent total disability. In addition to this, one can purchase this cover for co-passengers as well even on an unnamed basis, which will be maximum as per the seating capacity of the vehicle. However, the amount of coverage is pre-determined even in this case.

    • Roadside Assistance

      In case you get stuck somewhere in the country within the specified distance in the insurance policy, the insurer provides you with roadside assistance and sends a mechanic to your location to fix it.

    • Return To Invoice

      Under Return to invoice add-on, if your car gets stolen or gets damaged beyond repair that is known as a total loss then the insurer will have to provide coverage as per the amount of invoice that you paid at the time of purchasing the car.

    • Personal Possession Cover

      With this add-on cover, you get the coverage in case your personal possessions get damaged in an unfortunate car accident or sets stolen from the car. There is a limit on a coverage amount that varies from insurer to insurer.

    • Tyre Protection Cover

      A comprehensive plan does not provide coverage in case the tyres of the car get damaged. You will have to purchase a separate tyre protection add-on to cover your car’s tyres.

    • Rim Damage Cover

      In case the rim of the car gets damaged then this add-on cover will come in handy. Under rim damage add-on cover, the insurer provides coverage for the replacement of the damaged rims.

    • Passenger Cover

      Under this add-on, you get coverage in case any of the passengers get injured in the accident. The insurer will provide financial aid for the medical expenses.

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Standalone OD vs Third-Party vs Comprehensive Car Insurance Cover

Coverage Standalone OD Cover Third-Party Cover Comprehensive Cover
Third-Party Property Damage No Yes Yes
Third-Party Bodily Injury No Yes Yes
Own Damages of Car Yes No Yes
Car Theft Yes No Yes
Personal Accident Cover Yes Yes Yes
Availability of Add-Ons Yes No Yes

Points to Consider While Selecting Car Insurance Policy

  • What is covered

    Checkout the inclusions and exclusions of both third-party insurance and comprehensive vehicle insurance policy. Only buy third party insurance if you can bear your own damage expenses.
  • Compare Car Insurance Online

    Compare car insurance online and select the one that meets most of your financial expectations. You can easily get multiple four wheeler insurance quotes online from the best car insurance companies in India.
  • Incurred Claim Ratio

    Higher ICR, indicate satisfied customers and more the chances of your claim being settled.
  • Add-on Covers

    It is always recommended to buy a comprehensive car policy with additional benefits like roadside assistance, zero depreciation, flat tyre assistance, etc.
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How to Buy Car Insurance Online?

To Buy a car insurance policy online. Follow the steps given below:

  • Visit the official website of Policybazaar Insurance Brokers Private Limited
  • Pick a few suitable plans and compare them
  • Once you select the plan of your choice check the inclusions, exclusions along with terms and conditions
  • You can also add or remove any add-on as per your requirement. However, you can only purchase add-ons if you are purchasing a comprehensive plan
  • Once you are done with it, you can proceed to make the payment online
  • You can use your debit/credit card, UPI, and net banking to pay the premium amount. 
  • Once the payment is done, the insurer will send you the policy documents to your registered email ID as well as your home address.

Benefits of Buying Car Insurance Online

Buying car insurance online is a common practice today. With the buying of 4-wheeler insurance policy online, you can insure your car against any damage due to an accident, theft, fire etc within 2 minutes. If you are wondering why most people prefer to buy four wheeler insurance online, check out its benefits below:

  • No More Agents

    Offline purchase of insurance policies involve agents who try to sell their own product rather than suggesting you a better policy from another insurance provider. Purchase of new car insurance policy online will eliminate such agents and you can buy the best policy after comparing various plans offered by different insurance companies.

  • Zero Paperwork

    Another benefit of buying four wheeler insurance policy online is zero paperwork. Contrary to the offline mode which requires you to fill multiple forms, the online mode allows you to fill up all the forms online. You can also upload the required documents online making the application process digital and free of any paperwork.

    • Convenient & Saves Time

      As compared to the offline modes, buying 4 wheeler insurance online is very convenient. You don’t have to visit a branch of the insurance company or take out time to meet the agent. You can get your car insured from the comforts of your home, hence, saving a lot of time and efforts.

    • Payment Reminders

      Missing policy payments or renewals can cost you a great deal. Not only will you lose out on the renewal discounts but also have a break in policy. But if you purchase your car policy online, you will receive timely reminders ahead of your due date ensuring that you do not miss out on the payments.

    • Online Premium Payment Facility

      Buying 4 wheeler insurance online offers cashless facility and involves zero cash transaction. You can make payment of your insurance premium online through online modes such as debit card, credit card and internet banking.

    • Easy Comparison

      With the online purchase of four wheeler insurance, you can easily compare the plans offered by different companies. Online aggregators allow you to compare the coverage and the premium quotes provided in different plans before selecting an ideal insurance policy for your car.

    • More Cost-Effective

      Buying an insurance policy online is more economical as you save a lot of in-between costs. Your premium reduces due to elimination of agents, zero paperwork and you get discounts that further reduce the amount of premium you pay.

    • Easy Endorsements

      Endorsement refers to any changes in the information provided in the policy document. in case of online endorsements, you just have to give a self-declaration as opposed to the filling up the endorsement form manually and submitting all the documents.

    • Soft Copy of the Document

      Another benefit of applying for car insurance online is that you have a soft copy of your policy document in your email. This makes it easy for you to access it from any place without the need to carry a hard copy with you.

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Car Insurance for Popular Brands in India

Maruti Car Insurance
Tata Car Insurance
Hyundai Car Insurance
Honda Car Insurance
MG Car Insurance
Kia Car Insurance
Toyota Car Insurance

How to Renew Car Insurance Online?

It's mandatory to renew car insurance to avail the benefits without a break. Therefore, you should ensure your car insurance before it expires. Follow the steps given below for online car insurance renewal.

  • Go to the car insurance renewal section.
  • Enter the details required on the page, such as your policy number, mobile number, date of birth, etc. and submit them
  • Choose the 4 wheeler insurance plan that you want to purchase
  • Select the riders or add-on covers that you want to buy or drop (if any)
    • The premium amount that you need to pay will be shown on the page
    • Pay the insurance premium online with the help of a credit card, debit card or through net banking
    • Once the payment is complete, your car insurance policy will be renewed

You will receive the policy document for your renewed car insurance on your registered email id. You can also download a copy of the policy document and get a printout anytime you want.

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Benefits of Renewing Car Insurance Policy Online

A new car insurance policy has a validity period and after its expiry, you need to renew it for keeping your car insured. You can renew car insurance policy either offline or online. Even though many of us still follow the traditional method of offline renewal of the policy but opting for online car policy renewal is better. Here are a few benefits of renewing your car insurance online.

    • Simple Customization of Policy: You can easily customize your car policy while renewing it online. You can enhance the coverage of your policy by adding add-ons to it. However, before topping your policy with an add-on, you must keep in mind that the premium majorly depends on the cover type that you are taking. 
    • Secure Renewal/ Purchase Process: Car insurance renewal online is an easy process because of the availability of all the required information over the web. This transparency enables you to make an informed decision. In addition to this, payment through secured gateways of payments ensures that your personal and critical information is not leaked anywhere. Therefore, it safeguards you from exposing to any fraudulent risks. 
    • Simple Process to Switch the Insurer: In addition to all the above benefits, you can very easily switch your insurance provider while renewing your policy online. Since information regarding all the insurance providers is available online, thus it is very easy to make car insurance comparison online and select the best-suited plan in terms of premium and features. 
    • Easy No Claim Bonus Transfer Process: You should always transfer your NCB or No Claim Bonus at the time of policy renewal. While for the online renewal process, it is really easy and quick in comparison to offline renewal. 
    • A Transparent Process Method: Since in online car insurance policy purchase or renewal everything is available in front of the policy aspirant's eyes. This simply means that nothing is hidden or no one like an agent is hiding something related to a car insurance policy. So, the online car insurance policy purchase and renewal process are transparent. 
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How to File a Car Insurance Claim?

Understanding the right steps to raise a car insurance claim is critical as your insurer can reject your claim for a lot of reasons. So make sure you understand what all is required to be done while raising a car insurance claim. Follow the below mentioned steps to conveniently raise a valid 4 wheeler insurance claim:

Step 1: Raise a claim request – Immediately share details of the accident with your insurer after the accident occurs. Make sure that you properly document and share photographic evidence to support your case.

Step 2: Inspection – After the claim is registered, the insurer will send an inspector for surveying the claimed damage.

Step 3: Sending the car for repair – Once the inspection is complete, you can send the car to a partner garage for conducting the repairs.

Step 4: Claim Settlement – If you have a cashless claim policy, the insurer will directly settle the repair bills with the network garage. However, if you have opted for reimbursement claims, you will be first required to pay the bills and then raise a reimbursement claim.

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Documents Required for Filing a Car Insurance Claim

Keep the following documents ready while registering a claim with the insurer-

  • Copy of Police FIR
  • Claim form duly signed by the policyholder
  • Fitness Certificate for commercial vehicles
  • Driving License
  • Car Registration Certificate (RC)
  • Insurance documents with the endorsement

The insurer will settle your claim within a week from the date of submission of all the required documents.

FAQs About Car Insurance Policy

  • Q: What is Car Insurance Policy?

    Ans: Car Insurance is a type of four wheeler insurance policy that provides financial coverage to the beneficiary of the car policy if your car is damaged in an accident or natural calamity. A car insurance policy helps to save you money if you're involved in an accident or the vehicle is damaged in some way.

  • Q: When should you renew car insurance policy?

    Ans: The policyholder should renew his car policy before the expiry of his existing policy. This will ensure that there is no break in policy and you can continue to avail benefits such as no claim bonus.

  • Q: What is Zero Dep in Car Insurance Policy?

    Ans: Zero Dep refers to Zero depreciation car insurance. It is an add-on cover that allows the policyholder to get compensation up to the insured declared value (IDV) or current market value of the car without taking depreciation into account. You need to pay an extra premium amount to avail benefits of zero DEP in your 4 wheeler insurance policy.

  • Q: How many times we can claim car insurance in a year?

    Ans: The limit to filing a claim for 4-wheeler insurance per year varies from one insurance provider to another. Most insurance companies allow multiple claims in a year until the IDV is not exhausted. You should check your policy document to know the exact number of times you can claim your four wheeler insurance policy in a year.

  • Q: What is bumper to bumper Car Insurance policy?

    Ans: Bumper to bumper car insurance refers to the insurance policy that provides complete protection to the insured car without considering the depreciation of its parts. In other words, this type of four wheeler insurance allows the policyholder to obtain compensation up to the market value of the car in case of damage or loss to the car. However, it attracts about 20% higher premiums than your regular 4-wheeler insurance policies.

  • Q: What is IDV (Insured Declared Value) in Car Insurance Policy?

    Ans: Insured declared value (IDV) is the maximum amount to be paid by an insurer at the time of a claim if the vehicle is a total loss or stolen. It is the sum insured and is fixed at the commencement of the policy period for each insured vehicle.

  • Q: If I fit CNG or LPG kit in my car, is it necessary to inform the Insurance Company?

    Ans: If you get LPG or CNG fitted in your car, you have to get it endorsed in your car Registration Certificate or RC. Then, inform your insurer about the change to get it endorsed in your four wheeler insurance policy. As the cost of the premium amount will differ basis on the fuel type of your car.
  • Q: How can I add/delete Hypothecation in my Car Insurance Policy?

    Ans: Hypothecation is used for creating charges against the security of movable assets. The possession of goods remains with the borrower. For instance, in the case of a car loan, the vehicle remains with the borrower, but the ownership is hypothecated to the bank. It means the bank has a right to sell the vehicle if there is any default in repaying the car loan.

    In case of a hypothecated vehicle, it is important to obtain NOC from the financer if the payment has to be obtained by the policyholder. Otherwise claim amount will be paid to the financer for losses to the car other than theft.

  • Q: What are the risks covered by the comprehensive car policy?

    Ans: Your comprehensive insurance policy covers- Liability to the third party, accident by external means, fire, explosion, self-ignition, lightning, riots, strikes, terrorism, malicious acts, earthquake, flood, storm, landslide, transit by rail, road, waterways, air or lift, burglary, theft or housebreaking.
  • Q: What is a cashless facility in car insurance?

    Ans: Cashless facility means you don’t need to pay anything for the repair of your car. Instead, your insurance company will directly pay the bill amount to the garage. If your insurer offers the cashless facility, all you have to do is take your vehicle to the preferred workshop of the insurance company. The workshop will contact the insurer and settle the repair bill with them.
  • Q: How IDV is calculated in vehicle insurance?

    Ans: The IDV is calculated by subtracting the depreciation on the car from the manufacturer’s listed selling price of the car model. The manufacturer’s selling price includes local duties/taxes but excludes registration and insurance cost. Different depreciation slabs to calculate the IDV are detailed below:
    Age of the vehicle Depreciation value in %
    Not more than 6 months 5
    More than 6 months but below 1 year 15
    More than 1 year but below 2 years 20
    More than 2 years but below 3 years 30
    More than 3 years but below 4 years 40
    More than 4 years but below 5 years 50
    The applicable depreciation on vehicles, which are obsolete or aged over 5 years, varies from one insurer to another.
  • Q: What is No Claim Bonus (NCB) in Car Insurance Policy?

    Ans: No claim bonus (NCB) is a discount on renewal premium offered by insurance companies if the vehicle owner has not made a single claim throughout the previous motor insurance policy term.
  • Q: What happens to the motor insurance policy if I sell my car?

    Ans: If you sell your car, you need to transfer your four-wheeler insurance policy to the name of the new owner. You can follow the steps given below to transfer your motor insurance to the new owner:
    • You need to get a sale affidavit made with details of the transfer, details of the new owner and details of payment. It should be notarized and signed.
    • Fill up the RTO transfer forms and obtain a clearance certificate from your Regional Transport Office (RTO).
    • Fill up the new proposal form
    • Attach the documents listed above
    • Submit it to your insurer
    • The policy will be transferred within 14 days
  • Q: How do I get a duplicate copy of my car insurance policy online?

    Ans: You can get a duplicate copy of your four-wheeler insurance policy online by downloading it from your motor insurer’s website. All you need to do is log into your account on the website and enter the required details to get a copy of your policy on your email. You can download the duplicate policy from the email sent to you.
  • Q: How can I check the availability of a four-wheeler insurance plan?

    Ans: In case you want to know the availability of a car insurance plan, you can check it on the insurance company’s website or by contacting them over the phone. You can also check the availability of four-wheeler insurance plans by multiple insurers at brokers websites, such as policybazaar.com.
  • Q: How can I download a car insurance certificate/ policy?

    Ans: Follow the step-by-step procedure given below to download your car policy/ certificate online:
    • Visit the website from where you had purchased insurance for your car
    • Go to the option of downloading the policy online or log into your account on the website
    • Enter your policy number and other requested details, including your mobile number and email id
    • Your insurer may send an OTP on your registered mobile number
    • Enter the OTP in the provided space and submit it
    • The insurer will send the copy of your 4-wheeler insurance policy/ certificate on your email id
    • Download your vehicle insurance policy/ certificate from the email
  • Q: Where can I find my car insurance policy number?

    Ans: There are multiple ways to find your vehicle insurance policy number:
    • You can find the policy number on the insurance certificate or policy document issued by your motor insurer.
    • You can check it online if you have an account at the insurer/ insurance brokers’ website.
    • If you purchased your four-wheeler insurance through an agent, you can ask him/ her to tell you the policy number.
    • You can also visit your insurer’s nearest branch or call them to know your policy number.
    • You can check it at the website of the Insurance Information Bureau (IIB), which maintains the record of all motor insurance policies in India.
  • Q: What to do if there is a mistake in my car policy document?

    Ans: In case there is a mistake in your car policy document, you should immediately notify your insurer about it. Provide evidence of the correct information and request your insurer to rectify the mistake. Once the insurer receives the evidence, they will pass an endorsement or issue a new policy document with the correct information.
  • Q: Is an online car insurance policy a valid document?

    Ans: Yes. A four-wheeler insurance policy document issued online is legally valid under the motor laws of India. However, make sure that the policy has been purchased from an IRDAI registered insurance company or broker website.
  • Q: What should I do if I lose my online car policy?

    Ans: If you have lost your online policy document, you need to apply for its duplicate copy. Follow the steps given below to obtain a duplicate four-wheeler insurance policy:
    • Immediately inform your motor insurer about the loss of your car policy document
    • File an FIR with the Police regarding the loss of the document
    • Write an application to your insurer requesting them to issue a duplicate policy document. Mention details, such as policy number, your name, issuance date, how you lost the policy, etc., in the application letter
    • Publish an advertisement in a state newspaper mentioning the loss of your policy document
    • Get a notarized indemnity bond, stating your full name, with signatures of two witnesses
    • Submit the application letter, indemnity bond and copy of the FIR to the insurer
    • After receiving all the documents, your insurer will issue the duplicate policy document
    You can also download a copy of your online policy from your insurer’s website by providing the required details.
  • Q: Do I need to file an FIR to raise a car insurance claim?

    Ans: Under certain types of claims, your motor insurer may need you to file a First Information Report or FIR with the Police as part of the claim process. For instance, claims arising out of car theft or third party liabilities will require a Police FIR. On the other hand, claims arising out of car damages due to natural calamities may not need a Police FIR.
  • Q: How long does it take to settle a car insurance claim?

    Ans: There is no standard time period for all insurance companies to settle a vehicle insurance claim. The claim settlement period varies from one insurer to another. For example, one insurer may settle your claim within 7 days whereas another one may settle it within 14 days of raising a claim. Moreover, claims with complexity usually take more time to be settled than simple claims, such as a car dent.
  • Q: How can I check my car insurance policy status?

    Ans: To know the status of your four-wheeler insurance policy, you can check the policy start date and expiry date mentioned in your policy document. Your policy will be active or valid in the period between the policy start and expiry date. On the other hand, your policy will be inactive before the start date and expire after the expiry date.

    You can also check the status of your policy online on the website of the Insurance Information Bureau (IIB) or VAHAN e-services. You only have to enter the details of your car on either of the websites and submit them. The details of your car insurance policy, including the policy expiry date, will be displayed.

  • Q: How can I transfer the four-wheeler insurance policy to my name?

    Ans: To transfer a vehicle insurance policy to your name, you need to follow the steps given below:
    • Fill up Form 28, Form 29 and Form 30 available with the RTO bearing the previous policy owner’s signature
    • Submit the filled-in forms to the RTO along with the proof of vehicle sale
    • Get the Clearance Certificate from the RTO
    • Submit the required documents to the motor insurance company, including application form, old policy document, original RC with your name on it, NOC from the previous owner, etc.
    • Pay the transfer fees

    The policy will be transferred to your name and a new policy document will be issued to you.

  • Q: How long does it take to buy/ renew car insurance online?

    Ans: One of the benefits of buying or renewing car insurance online is that it is a fast process and does not take a lot of time. If you have all the required details about your four-wheeler and the previous policy handy, you will not take more than a few minutes to buy/ renew your car policy online.
  • Q: How can I renew expired car insurance online?

    Ans: At the time of renewing your expired car policy, your vehicle may need to undergo an inspection. While some insurers allow self-inspection, others may send a surveyor to assess the condition of your car. In the second case, you will have to schedule a surveyor appointment by contacting your insurance provider. Once the survey is complete, follow the steps given below to online renew your expired four-wheeler insurance policy:
    • Visit the website from where you want to renew your vehicle insurance
    • Go to the option of online policy renewal for cars
    • Enter your expired policy number and other requested details
    • Review the details of your vehicle
    • Select the type of policy coverage
    • Upload the pictures of your car (in case of self-inspection)
    • Pay the policy renewal premium online
    • Your expired car policy will be renewed
  • Q: How much time will it take to get my policy document if I buy/ renew car insurance online?

    Ans: If you have purchased/ renewed four-wheeler insurance online, you will most likely receive your policy document on your registered email id within a few minutes of paying the premium.
  • Q: Is it safe to online renew a car insurance policy?

    Ans: Yes, online car insurance renewal is absolutely safe. In fact, online buying/ renewal of insurance is considered safer than the offline method because of secured payment gateways that reduce the chances of fraud.
  • Q: What is the cost of renewing a car policy?

    Ans: The cost of renewing your 4-wheeler insurance policy depends on several factors, such as the age of the car, its engine cubic capacity and the make & model of the car. The type of insurance coverage you choose and the geographic area where you drive your car also influence your premium. Moreover, the opted add-on covers, deductibles and your No Claim Bonus also affect the renewal premium of your insurance policy.
  • Q: Does car insurance cover passengers?

    Ans: Mostly, motor insurance companies do not cover passengers travelling in the insured vehicle under four-wheeler insurance in case of an accident. Only the owner-driver of the car is covered for personal accident. However, passenger cover is offered as an add-on by motor insurers in India to provide personal accident cover for the unnamed passengers travelling in the car.
  • Q: Does a car insurance policy cover tyre damages?

    Ans: Most motor insurance companies only cover accidental damages to the vehicle’s tyres under four-wheeler insurance. Any non-accidental loss or damages to the tyres due to wear and tear are not covered. However, you can buy a tyre protect add-on cover to keep any non-accidental loss or damages to your car’s tyres covered under your four-wheeler insurance policy.
  • Q: Will my car policy cover electrical fires?

    Ans: Yes. Any loss or damages caused to your car due to electrical fires (or fire resulting out of a short-circuit) are covered under four-wheeler insurance.
  • Q: What is the insurance claim procedure in case of car theft?

    Ans: In case your car has been stolen, you must file an insurance claim with your motor insurer at the earliest. Take a look at the process of filing car theft claims under four-wheeler insurance below:
    • File an FIR with the Police as soon as your car gets stolen
    • Intimate your insurer about the theft of your car
    • Inform your RTO about the theft
    • Submit all the required documents, including the claim form, FIR copy, RC, etc., to the insurer
    • Obtain the No Trace report from the Police

    The insurer will process your claim and pay the IDV of your car in about 90 days.

  • Q: What should I do to cancel my claim?

    Ans: You can cancel an insurance claim by contacting your motor insurer and informing them about your decision to cancel it. You can also speak to your vehicle surveyor about cancelling the claim in case there is an inspection scheduled.
    However, you cannot cancel any third-party liability claims with your insurer where you are at fault for causing accidental third-party loss or damages.
  • Q: What will happen to my No Claim Bonus if I renew my expired car policy?

    Ans: If you renew your expired four-wheeler insurance policy within 90 days of the policy expiry date, then your No Claim Bonus (NCB) will remain intact. However, if you renew the expired policy after 90 days, you will lose your NCB.
  • Q: What is the penalty for driving without valid car insurance today?

    Ans: If you are caught driving your car without a valid insurance policy for the first time, you will be liable to pay a penalty of Rs 2000 or/and will be jailed for up to three months. In case you are caught without valid car insurance for the second time, you will have to pay Rs 4000 as a fine or/and serve up to three months in jail.
  • Q. Will my insurer cover the accident caused by someone else while driving my car?

    Yes, your motor insurer will cover the accidental damages caused to your car when someone else is driving, provided you had allowed that person to use your vehicle. This is because car insurance covers the liabilities arising out of the insured vehicle and not the policyholder. However, your insurer may not cover third party liabilities resulting from this accident and ask the person at fault to pay for them if he/she has a car insurance policy. Therefore, you must check with your insurer if you face such a situation.
  • Q. Should I raise a claim every time my car is damaged?

    No, you should avoid raising a claim for minor damages to your car as it will impact your No Claim Bonus. You must raise claims only for major car damages that you cannot afford.
  • Q. If I buy new accessories for my car in the middle of the policy term, will they be covered?

    Yes, you can get your newly purchased car accessories covered under your insurance policy in the middle of the policy tenure. However, you will have to write an application to your insurer requesting them to pass an endorsement to cover them in your policy. You may have to pay an additional premium as your original policy coverage will get altered. After you have shared the details of the accessories and paid the additional premium, the insurer will pass an endorsement. 
  • Q. What will happen to my car insurance policy if I change my city?

    If you change your city, your car insurance premium may get affected. This is because the premium for a car depends on the geographical location where it is used. If you move to a more risky place, you will have to pay a higher premium. Moreover, you will also have to update your contact details with your insurer.

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