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What is Car Insurance?

Car insurance helps protect your car from unprecedented hazards like accident, theft, fire, flood, vandalism and other such scenarios. It is a contract between the car owner and an insurance company to provide financial aid to the former to undertake repairs for damages or treatment for injuries in case of a mishap. In return for the premium that the car owner pays, the insurance company reimburses the costs of repairs, third party loses and treatment for injuries. Insurance is classified into Comprensive and Third Party Insurance

Comprehensive Insurance
Comprehensive Insurance

A comprehensive policy is more expensive, but, not only does it cover damages to the insured car and driver, but also the insured vehicle’s third-party liability. Losses incurred due to theft, natural calamities like fire, explosion, accident, self-ignition or lightning, terrorist activity, damage in transit by road, rail, inland waterway, lift, elevator or air are all covered under this.

Third Party Insurance
Third Party Insurance

It is mandatory to have a third party insurance if you want to drive a car on Indian roads. It only covers the insurer’s liability for damage caused to other vehicles or properties including death, injuries or damage to a third party and not the damages to the insured car or its driver.

How to buy car insurance online?

  • detailsarrow
    Fill in your Car’s Details

    Just fill in the details about your car like make, model, etc, to get top insurance quotes instantly.

  • detailsarrow
    Compare Quotes and Choose a Plan

    Select from numerous quotes the one that suits your budget and needs the best

  • details
    Make Payment and sit back

    Pay online and get your policy right away

Customer's Speak

Why did they insure their car with InsuranceDekho
  • Great support from amratansh dubey i will remember his assistance only reason i am buying this from insurancedekho is amratansh dubey
    Hero Hero HF Deluxe, Jaipur
  • Good clean interface to compare insurances and smooth process to complete it. Support is also nice. Anyone looking for an insurance policy at least visit once here.
    KTM KTM 200 Duke, Mumbai
  • Great!! Keep going, Excellent team work. Maintain the same for your each Customer.
    Chevrolet Chevrolet Beat, Chandigarh
  • Excellent Communication skills Mohd Suhail. He Suggest me Zero Deprecoation Plan i m Satisfied
    Datsun RediGO, Ranchi
  • Nice experience to me first online policy make because so many ground cases in online policy & payment so this site genuine no any doubt thanks
    Hyundai Hyundai Creta, Hubli
  • Very helpful and all the details have been provided .
    Honda Amaze, Jhansi
  • Regular Followup by the team, Best Price quotes and User-Friendly Experience of site.
    Tata Tigor, Jaipur
  • Excellent service by your team and your executive experience is superb nice follow up
    Ford Ecosport, vasai
  • Thanks a lots shravan kumar. Grrt service from insurance dekho
    Toyota Toyota Etios Liva 2014-2016, Jaipur
  • Excellent job and co-op from your team. Wish you too
    Tata Indica Vista, Nagpur
  • Good Service, Good recognised Excellent Support
    Tata Indigo CS, Nashik
  • Good, waiting for better service in future generally
    Hyundai Hyundai Xcent, Barasat
  • Executive good work and good support. Thank you Sohail
    Maruti Omni, Bangalore
  • I appreciate the work done by you. You always bring the best out of you and I appreciate it. The way you work makes me realize that sooner you will be able to reach heights of success. I cant express how much I appreciate your work.
    Hero Hero Xtreme, New Delhi
    Vespa Vespa LX 125, Belgaum
  • I had good experience & i liked it and it was easy and quick
    Bajaj Bajaj Pulsar 150, Rewari
  • Very nice experience and quick service to renew my insurance
    Bajaj Bajaj CT 100, Nagpur
  • Very quick and hassle free services. Insurancedekho is doing great service for prospective car buyers as well as existing car owners. Premium quoted was very reasonable
    Datsun Datsun redi-GO, Pondicherry
  • Very cooperative team and excellent job done by agent to provide the policy instantly
    Maruti Maruti Zen Estilo, New Delhi
  • Excellent service lightening fast.My Insurance of bike was really very fast.
    Hero Hero Pleasure, New Delhi
  • Ankit is very supoortaive agent, he helped me very well. He gave me the knowledge of insurance very properly, make me understood all the things. I am so glad that your company have such kind of agent. I am so satisfied with your service. Thank You Insurancedekho.
    Maruti Wagon R, Jaipur
  • Very good service best premium offer Everybody should use this to buy their insurance
    Hero Hero Maestro Edge, Amloh
  • very Supportive and Good Guidance by Joginder Singh to choosing the right insurer. policy copy also received same time. Excellent job Joginder I really Appreciate. You best of Luck for you and your Company
    Renault KWID, amreli
  • Good service provided by the executive , and policy was available at my mail instantly
    Renault Lodgy, New Delhi
  • very good service by shravan mehta. He explained the entire plan and helped me purchase the policy even in odd hours
    Tata Tigor, Suryapet
  • Best Service Given By Ms. Ruby She is very helpful and creative. I'm very impressed with Ms. Ruby Thank U So Much
    Toyota Etios, Noida
  • This is a very good experience with easy to purchase policy
    Royal Enfield Royal Enfield Classic 350, Jabalpur
  • Good experience for insurancedekho keep it up. Very simple for insurance policy and lowest price
    Bajaj Bajaj Discover 125 M, Ghaziabad
  • Customer representative is good and impressive. Able to convince client
    Hyundai i20 Active, Darbhanga
  • One of the best Insurance agent of Extremely helpful and supportive.
    Bajaj Bajaj Pulsar 180, rampur
  • After few hiccups able to made the payment. Everything else was smooth.. and associate helped me in the odd hours.
    Hyundai Hyundai Santro Xing, Kanpur
    Hyundai Santro Xing, Faridabad
  • Good experience, this is my third insurance, good service good customer feedback
    Tata Indica V2, Indore
  • Awesome experience
    Tata Indica V2, Indore
  • Good service and i like this kind of online service
    Hero Hero Glamour, Ranga reddy
  • Awesome experience with insurance,previously i had policy with policybazaar but the experience of insuranceDekho is speechless,People like Joginder always make as a best insurance online portal,Best of luck Joginder to you and your organsation
    Hyundai Xcent 2016-2017, Bhiwani
  • Very easy to process the policy and very much helpful to process the renewal.
    Honda Honda CB Unicorn 150, Madurai
  • Great!! I like the service. Good customer handling and provide good information.
    Hyundai Grand i10, Ambala
  • Very Good Followup by Mohd Suhail and policy copy received Same Time Excellent Mohd Suhail I Really Appericate You
    Maruti Alto 800, Bangalore
  • Super fast & good services I am surprised, Thankyu
    Honda Honda Activa 125, Sabarkantha
  • Very good feedback from insuranceDekho assistant. Good job, great
    Hyundai i20, Noida
  • Good online service. Easy processing. Hope after sales service will also be good
    Mahindra Mahindra Rodeo, Ranga reddy
  • Very useful and supportive, Good guidance for choosing right insurer
    Tata Tigor, Aurangabad
  • Very nice and detailed information shared by executive
    Toyota Toyota Innova, Pen
  • Good experience and good service
    Hyundai Hyundai Xcent, Meerut
  • The agent was so helpful. She followed up and took me through the policy. Really appreciate.
    Hyundai i10, New Delhi
  • Balgovind chauhan has deep knowledge in related,insurance.I am very much satisfied to talk with them. I appreciate the fast action of insure team.thanks you all
    Maruti Wagon R, begusarai
  • Superb! supporting Mohd Suhail and excllent experience
    Maruti Celerio 2014-2017, panvel
  • Very good experience with Ankit Kumar. agent is very supported
    Hero Hero HF Deluxe, Muzaffarnagar
  • Satisfied, Excellent experience, thank you
    Honda Honda Activa 125, New Delhi
  • Very good experience with Ankit Kumar. I liked the services, his follow-up is soo good and helped me in renewing the policy and expalianed all the details breifly thanku
    Honda Honda Activa 4G, Allahabad
  • Very good service by executive Mohd Suhail. I really appreciate that.
    Hyundai Hyundai Getz, Mumbai
  • Good service, I am very happy with your services .
    Maruti Omni, Bhilwara

Add-ons for your Car Insurance Policy

Zero Depreciation
Zero Depreciation

A car's value constantly keeps on depreciating with time. And therefore, while claiming for losses, the depreciation sum is deducted. A zero depreciation add-on ensures that you get the entire claim amount without deducting the depreciation sum. It also covers rubber, plastic and fiber components.

NCB Cover
NCB Cover

With this cover, even if a claim has been made, a No Claims Bonus (NCB) discount will hold good as per terms and conditions of insurance company. NCB is a discount offered to policyholders if they don’t file a claim during the term of the policy. This discount keeps on increasing with every claim-free year until it reaches 50 per cent.

Engine Protection Cover
Engine Protection Cover

The car's engine is not covered under a normal comprehensive policy. And therefore, in case it is damaged due to floods or water-logging, an engine protection add-on cover comes in handy.

Invoice Cover
Invoice Cover

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

Find Right Cars By Body Type

Benefits of InsuranceDekho

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

    Why spend hours and days in queues filling up the paperwork for your policy. The entire process from entering your car details to finalising your policy and getting it issued takes only 5 minutes on InsuranceDekho.

  • Over 2 Lakh Policies Sold
    Over 2 Lakh Policies Sold

    A transparent and quick process, choice of numerous insurers, along with a dedicated team of experts make InsuranceDekho a trusted choice for many insurance buyers. More than 2 lakh happy customers are a testament to the same.

  • Dedicated support team
    Dedicated support team

    Feel free to reach out to our dedicated team of experts, in case of any confusion. Be it buying your insurance policy, or support required incase of claim, our team of experts is at your service 7 days a week.

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  • 1

    Is car insurance mandatory?

    Yes. As per law, it is mandatory for cars plying Indian roads to have a valid third party car insurance in place.

  • 2

    If my car isn’t insured or my insurance has expired, how much fine do I have to pay?

    It is illegal to drive without a valid insurance (at least third-party insurance) and may attract a fine of up to Rs. 2000 or jail for three months or both.

  • 3

    Are hospitalization expenses, in case of an accident, covered by a car insurance plan?

    Purchasing a Personal Accident add-on with your comprehensive car insurance policy offers compensation for death/permanent total disablement.

  • 4

    What is No Claim Bonus?

    ‘No Claim Bonus’ can be considered as an incentive for a claim-free year. It is a discount offered on Own Damage premium while renewing your car insurance policy. The discount percentage can vary between 20-50% depending on the number of claim-free years.

  • 5

    What is IDV?

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

  • 6

    Emergency Assistance – How does it work?

    Emergency assistance is an add-on that can be coupled with an insurance cover at an additional premium. It offers prompt assistance in case of vehicle breakdown, towing, tyre replacement, fuel replacement and others.

  • 7

    The perks of buying car insurance online!

    Not only do you skip the queues and tons of paperwork, but buying a car insurance online also means that you can compare numerous quotes from different insurance providers. Just input your car details, compare quotes and pay for your preferred policy, that’s it.

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*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-122012, 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.