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Best Car Insurance Plans
Best Car Insurance Plans
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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 Quotes for Cars by Body Type

  • Hatchback
  • Sedan
  • SUV
  • MUV
  • Luxury

Customer's Speak

1103 Reviews
Know why they insured their car with InsuranceDekho!
  • On the Insurance Dekho website, I was able to get all the clear information about car insurance policies. The excellence of the Insurance Dekho team is remarkable. Firstly, I understood all the features and then took the best plan.
    Navneet ShingEdelweiss14th February, 2020
  • The quotes are available easily on the Insurance Dekho website. I got them just by putting the car number on the website. It is surely one of the most convenient websites when it comes to looking for car insurance.
    Sejal KhurranaSbi14th February, 2020
  • Insurance Dekho has all the information about the insurance companies and the policies they provide. People with even zero information about insurance can get insurance without wasting much time or making much effort with the help of Insurance Dekho.
    Norman Joseph Universal Sompo14th February, 2020
  • With Insurance Dekho I got my car insurance within a few minutes. I just visited the website and entered the number of my car. I was given access to several insurance policy options. I chose one without wasting any time. Insurance Dekho made it all seem very simple.
    Arvind Kumar Sharma Shriram14th February, 2020
  • As I had a restricted budget, I was looking for a basic car insurance plan for my new Maruti Swift. Insurance Dekho helped me in finding an esteemed car insurance company that gave me affordable rates.
    Vineet Jain Liberty14th February, 2020
  • I thought that getting insurance would be a time-consuming and complicated process. But on Insurance Dekho, I got the perfect insurance by following a few easy steps. After I provided my details, the website found the options and compared them within a few minutes.
    Mridha GuptaRaheja Qbe14th February, 2020
  • Before taking a car insurance policy, I thought of doing extensive research among the best car insurance policies. On insurancedekho.com I was able to easily compare the leading plans provided by the most reputed companies. I found the best insurance plan from Magma.
    Lokesh ChatterjeeMagma14th February, 2020
  • The helpline number of Insurance Dekho is very active and helpful. I found it quite responsive as the executive on the other side cleared all my doubts regarding the car insurance policies and its features.
    Laxman SinghaniaCholamandalam14th February, 2020
  • I never expected that comparing car insurance policies would be so easy. On the Insurance Dekho website, I just gave the number of the car and got the options. I was able to compare different insurance policies within a few minutes.
    Tushar RanganathanUnited India14th February, 2020
  • I visited a lot of websites while searching to get the best car insurance plan. I stopped at Insurance Dekho and my work was done. Insurance Dekho has an efficient support team. They helped me throughout the process and I got the plan from Oriental.
    Brijesh KumarOriental14th February, 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.

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*Standard T&C Apply. All savings/offers are provided by the Insurers which are subject to modification. For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. 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. Direct Broker (General Insurance) valid till 19th March 2020. Email -support@girnarinsurance.com.