Car Insurance

How To Apply

1️ Choose Your Plan – Select from comprehensive, third-party, or OD insurance.
2️ Enter Vehicle Details – Provide car registration number, model, and variant.
3️ Get a Premium Quote – Calculate the best premium as per your coverage & add-ons.
4️ Submit Documents – Upload RC, KYC documents, and existing insurance details (if applicable).
5️ Make Payment & Get Policy – Complete payment and receive your policy instantly via email.

Eligibility

Eligibility Criteria for Four-Wheeler Insurance

• The vehicle must be registered under the insured person’s name.

• A valid Registration Certificate (RC) is mandatory.

• Renewal should be done before expiry to avoid penalties.
• Third-party insurance is mandatory for all cars as per the Motor Vehicles Act, 1988.

Interest & Charges

Premium & Charges for Four-Wheeler Insurance

• Third-Party Insurance Premium: Starts from ₹X per year (as per IRDAI guidelines).

• Comprehensive Insurance Premium: Based on car model, IDV (Insured Declared Value), and add-ons.

• No Claim Bonus (NCB): Up to 50% discount on renewal premiums for claim-free years.

• Additional Charges: Apply for riders, engine capacity, and extra coverage options.

Frequently Asked Questions (FAQs)

1. What is the difference between third-party and comprehensive car insurance?

• Third-party insurance covers only third-party damages, while

• Comprehensive insurance protects your car as well as third-party damages.

2. Is four-wheeler insurance mandatory in India?

Yes, as per the Motor Vehicles Act, 1988, all cars must have at least third-party insurance.

3. Can I renew my car insurance policy online?

Yes, you can instantly renew your car insurance online with a few clicks.

4. What is No Claim Bonus (NCB) in car insurance?

NCB is a discount given on renewal premiums for not making claims in the previous policy term.

5. What add-ons can I opt for in my four-wheeler insurance?