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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 Cars By Body Type

  • Hatchback
  • Sedan
  • SUV
  • MUV
  • Luxury

Customer's Speak

Know why they insured their car with InsuranceDekho!
  • I always wanted to know about the different car policies as I wasn’t sure which one to select. After dialling your customer support number I provided my car model details and the support team helped me with choosing the best one for it. Thanks!
    Edelweiss24th January, 2020
  • I only bought a car because being lazy I was always getting late for work and wanted to avoid the rush-hour hassles of public commute. So, after buying Bentley Continental, the first thing I was looking for was a suitable policy cover. Then after calling up the support team of yours, I got referred to SBI who provided me with the best policy cover for my luxurious car. If anyone wants to insure their car, I will always refer your portal.
    Sbi24th January, 2020
  • To be honest I am a complete layman when it comes to insurance policies. I required detailed knowledge of the different policies to choose the best one for my car. One of my colleagues told me to check out InsuranceDekho to get a concise idea. I did so and not only did I get to choose the best one but got a basic idea about all the policies. I highly recommend!
    Universal Sompo24th January, 2020
  • I never expected that getting the best insurance quote for my car would be so easy that I wouldn’t have to spend even 5 minutes. I just put the car details including registration number and got it secured without any hassles. Additionally, there were a number of options to choose from!
    Shriram24th January, 2020
  • I saw the customer support phone number flashing on the screen of your website. The first thing I did was to call up your support team to know about the best car policy and where to choose it from. Your support staff referred me to Liberty and I got the best cover for my car. Thank you!
    Liberty24th January, 2020
  • My car Ferrari 458 Spider met with an accident recently and I was very worried about which add-on cover to choose and where to get that from. But after calling up the support team at around 7pm at night I got a complete guide from your customer support end and detailed information regarding which is the best one.
    Raheja Qbe24th January, 2020
  • Recently I bought the Chrysler Avenger car and the first thing I did was to know about which company to secure the best policy cover from. There were many people giving contrasting opinions. But after coming to your site I got the best company to secure my car from. Magma provided me with the best policy cover. But all thanks to you guys for referring me.
    Magma24th January, 2020
  • If you are not an insurance expert like me and want to know about the different policy covers for your car, look no further than InsuranceDekho! This site provides detailed coverage about the different policy covers and the benefits each one of them has. It is very much a customizable website.
    Cholamandalam24th January, 2020
  • I am not a tech freak person. Hence, I always prefer dialling up anyone. Similarly, after getting your number the first thing I did was calling it up to know about all the policy plans and also clear my doubts regarding other car-related problems. You guys are so polite and helpful.
    United India24th January, 2020
  • I always believed that getting the best policy cover for my car Conquest Evade required detailed documentation and I didn’t complain either as there was a notion that it was the best way. But then my son who belongs to GenZ told me to go documentation-less and pay a visit to your site to know about the details.
    Oriental24th 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.