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How to buy Car Insurance online?

  • Step 1Step 1
    Fill in your Car Details

    Provide your car details such as the make, model, etc, and get insurance quotes instantly from top insurance companies.

  • Step 2Step 2
    Compare Quotes and Choose a Plan

    From all the available premium quotes, select the one which suits your budget and requirements in the best manner.

  • Step 3
    Make Payment online

    Pay online and get your policy document instantly in your inbox.

Add-ons For Your Car Insurance Policy

  • Zero Depreciation
    Zero Depreciation

    A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreciated value of a car is deducted from the claim amount. However, by opting for a zero depreciation add-on you can shift the liability of the depreciation cost to the insurer and get the entire claim amount without any deduction of the depreciation sum. This add-on is generally available till the age of 5 years of car, however, the car age limit varies from insurer to insurer.

  • NCB Cover
    NCB Cover

    A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance policy holder for not making a claim in the entire tenure of the motor insurance policy. This discount is not available if the policy holder has made even a single claim. However, with the NCB cover, a policyholder will be entitled to receive an NCB discount despite having made a claim subject terms and conditions of insurance company. The NCB discount keeps on increasing with every claim-free year until it reaches 50%.

  • Engine Protection Cover
    Engine Protection Cover

    A car's engine is not covered under a comprehensive car insurance policy. And therefore, if it gets damaged due to floods or water-logging, an insurance company is not liable to pay for its damages. But, if you opt for an Engine cover, you can get your car’s engine insured by the insurer.

  • Invoice Cover
    Invoice Cover

    If you have a return to invoice cover added on to your comprehensive car insurance policy, you can claim the total ex-showroom price of your car, taxes and registration charges, in case of total loss.

Benefits of InsuranceDekho

Understand your options. Identify the best value. Enjoy peace of mind
  • 5 Minutes Policy Issuance
    5 Minutes Policy Issuance

    Forget waiting for hours and days for getting a policy for your car, bike, health. Get your car insurance policy issued in just 5 minutes with InsuranceDekho with our easy, quick and documentation-free policy issuance process.

  • Over 3 Lakh Policies Sold
    Over 3 Lakh Policies Sold

    InsuranceDekho is a favourable choice among insurance buyers. Our transparent and quick process, availability of top-rated insurers and our dedicated customer support team has helped us serve and delight more than 3 lakh customers.

  • Dedicated Support Team
    Dedicated Support Team

    Our dedicated customer support team is available at your service all the 7 days of the week. Feel free to reach out to us for any insurance related assistance, be it related policy purchase or claim settlement, we are always there to help you.

Find Right Cars By Body Type

  • Hatchback
  • Sedan
  • SUV
  • MUV
  • Luxury

Customer's Speak

Know why they insured their car with InsuranceDekho!
  • Your customer support team was very helpful as I received prompt response from your executive through online chat. Moreover I also received confirmation messages after getting my car insurance policy.
    Edelweiss27th January, 2020
  • I got my car insurance policy from Insurance Dekho very easily without spending long hours in searching. Moreover, it also saved me from going through the process of standing in long queues and carrying out boring documentation processes.
    Sbi27th January, 2020
  • The support team of Insurance Dekho is excellent as it offered me the best solutions for getting my car insured. I was able to compare several policies from the top insurance providers and got the results very quickly.
    Universal Sompo27th January, 2020
  • I visited insurancedekho.com last night and I cannot believe that I received my insurance policy within a few minutes. I easily made the payment and got my policy instantly. Great service!
    Shriram27th January, 2020
  • I am glad to have contacted Insurance Dekho for getting my car insurance policy. They have guided me in buying the most beneficial policy with the required add-on covers like theft, engine protection, zero depreciation and more. Thanks a lot.
    Liberty27th January, 2020
  • It always seemed a tedious task to compare car insurance policies. Through InsuranceDekho, this task has been simplified and I could make a detailed comparison of car insurance policies in just a few minutes.
    Raheja Qbe27th January, 2020
  • As I had purchased my car insurance policy through Insurance Dekho, I thought of renewing it through the same site. The renewal procedure was completed just in two steps. The process was simple and quick.
    Magma27th January, 2020
  • Insurance Dekho has always been my favourite site for comparing insurance policy. I used it recently to compare car insurance policies. It has a well-framed format that is easy to understand and contains apt information.
    Cholamandalam27th January, 2020
  • As I was looking for a car insurance policy, I came across Insurance Dekho. It had a feature through which I could get quotes from the different insurance companies just by entering my car registration number. I did so and received quotes in a few minutes.
    United India27th January, 2020
  • I purchased Oriental car insurance through Insurance Dekho. I was quite sceptical about making the final payment. I made the payment through their site and received my policy very quickly. Their payment gateway is reliable as well.
    Oriental27th January, 2020
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What is Car Insurance?

Car insurance is a contract between a car owner and an insurance company wherein the latter promises to protect your car from unforeseen financial losses arising from unexpected events such as a road accident, theft, fire, natural calamities, vandalism and other such scenarios. In return for this promise, the car owner pays an amount known as car insurance premium to the insurance company.There are two types of car insurance -  Third Party Car Insurance Policy and Comprehensive Car Insurance Policy.

Comprehensive Car Insurance Policy
Comprehensive Car Insurance Policy

A comprehensive car insurance policy is a cover under which the insurance company is liable to pay for damages caused to third party property and life (including death) by the insured car as well as for the damages incurred by the insured vehicle. It insures your car from road accidents, theft, natural calamities, fire, explosion, self-ignition or lightning, terrorist activity, damage in transit by road, rail, inland waterway, lift, elevator as well as air.

Third Party Car Insurance Policy
Third Party Car Insurance Policy

As per the Motor Vehicles Act, a third party insurance policy is a mandatory requirement if you want to drive a car in India. Under this cover, the insurance company is liable to pay for damages caused to third party property and life (including death) by the insured car. It does not provide insurance for damages incurred by the insured vehicle.

Car Insurance FAQs

  • 1

    Is Car Insurance mandatory?

    Yes. As per the Motor Vehicles Act, it is mandatory for car owners to have a valid third party car insurance in place for being able to drive their vehicle in India.

  • 2

    How much fine do I have to pay in case I do not have a Car Insurance?

    It is illegal to drive a car without a valid insurance (at least third-party cover) and may attract a fine of up to Rs. 2,000 or imprisonment for three months or both.

  • 3

    Is the person driving a car insured under the car insurance policy?

    A car insurance policy only insures the car. It does not insure the driver of the car. Thus, to get the driver of the car insured against personal injuries/permanent disablement/death, you are required to purchase a Personal Accident cover with your comprehensive car insurance policy.

  • 4

    What is No Claim Bonus?

    No Claim Bonus is a discount offered by the insurer on the Own Damage premium to the policyholder as an incentive for not making a claim during the entire policy period. It is offered at the time of renewal of a car insurance policy. The NCB discount percentage ranges between 20%-50% depending on the number of claim-free years.

  • 5

    What is IDV?

    Insured Declared Value (IDV) is the insured value of the vehicle that is decided at the beginning of a policy period by the insurer.This is useful incase of Total Loss or Theft of your vehicle as insurer decides the claim amount on the basis of vehicle’s IDV.

  • 6

    What is Road Side Assistance?

    Road Side Assistance is an add-on that can be coupled with a comprehensive car insurance cover for an additional premium. It offers prompt assistance in case of vehicle breakdown, towing, tyre replacement, fuel replacement and others.

  • 7

    Why should i buy a Car Insurance policy online?

    Buying a car insurance policy online saves you from the hassle of standing in queues and doing tons of paperwork. Purchase of a car insurance online also allows you to compare premium quotes from different insurance providers and select the one which best suits you.

Latest News Articles

*Terms and conditions apply. Offer available on select models/makes only. Girnar Insurance Brokers Private Limited, 4th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana.IRDAI License no 588, helpline no 7551196989. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.