Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • How Car Insurance Works in India?

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    Policy Coverage

    Customer Service

    Claim Experience

    Responsiveness

    Cashless Garages

    Car insurance is an agreement between the insurance company and the car owner wherein, the car owner will pay premiums and the insurance company covers for loss or damage caused to the car. Car Insurance is mandatory in India regardless of whether it is a commercial vehicle or a personal vehicle. Most of the insurance companies in India have tie-ups with car manufacturers and they offer car owners instant quotes.

    Types of Car Insurance in India

    There are two types of Car Insurances in India. Listed below are the two types of car insurance.

    • Third party liability insurance cover- Third party liability insurance offers limited protection. This type of car insurance protects you only against the costs incurred from the damage done by your vehicle to another vehicle, property or person.
    • Comprehensive insurance cover- Comprehensive car insurance offers cover against damage to the vehicle, death of the driver or passengers and damage caused by the vehicle to a third party vehicle, property or person.

    Car Insurance Cover

    Listed below are the features that are usually covered under a car insurance policy.

    • Bodily injury- It offers cover for any bodily injury incurred from an accident where the insured car was involved
    • Damage- It offers cover for the damage incurred to the car either due to an accident, theft or certain natural calamities
    • Third party property damage- It pays up for the damage incurred by a third party vehicle involved in an accident with the insured vehicle
    • Death- It also offers cover for the death of the driver/ passengers present in the insured vehicle at the time of accident or calamity

    Factors that influence the premium of the car insurance

    Listed below are some of the factors that influence the premium of a car insurance

    • Vehicle related factors-The make, type of fuel, model etc, all matter when it comes to determining the insurance for the car premium. Usually diesel cars attract a higher premium when compared to petrol cars.
    • Location-The premium usually tends to be higher in urban areas and near highways.
    • Driver-The age and profession of the driver also plays a role in determining the premium of the car insurance . Multiple drivers leads to higher premiums.

    Car Insurance clauses and exclusions

    Listed below are some of the car insurance clauses and exclusions.

    • Any issues related to the vehicle due to general aging of the car
    • Consequential loss
    • Mechanical breakdown of the car
    • Wear and tear of car parts such as tires
    • The policy won’t offer any cover for the damages incurred from using the car outside the geographical location of the country
    • No cover will be offered if the person is driving without a license
    • No cover will be offered if the driver was under the influence of alcohol or drugs
    • Damage incurred to the vehicle during a  war or nuclear attack
    • The policy does not offer cover if the car was damaged while being used for purposes other than what was mentioned in the policy

    How to make a claim?

    Given below is the procedure to make a claim in case your car was involved in an accident or in any other valid incident.

    • As soon as the accident occurs, the driver or the passenger should note down the number plate of the other car in case of an accident with another car
    • Contact your insurance company immediately
    • File a claim with the insurance company and note down the claim reference number
    • Submit the documents required by the insurance company in order to make the claim
    • File an FIR at the nearest concerned police station

    Advantages of a car insurance

    Listed below are the advantages of a car insurance.

    • Car insurance provides benefit in case of death arising out of accidents
    • Covers the repair cost of vehicle repairs due to damage caused in an accident.
    • Covers damage caused by other than an accident for example, theft, fire, etc.
    • Offers cover for damage caused to third party

    Car insurance is a very efficient tool that will protect your dream car against damages and mitigate your costs in case of an accident. There is no dearth of options for car insurance schemes on the market. It is always advisable to compare between different plans and choose the one suitable for you best.

    GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

    Claim Reviews

  • Page 1 of 50 1 2 3 4 5
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with TATA AIG general insurance from last 10 months, a premium of Rs 16000 has to be paid for this insurance policy. There was no claim experience so far with this insurance and this policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2018
    • Tata AIG Car Insurance
      "Complete protection with Tata Aig"
      0.5 5.0/5 "Blown Away!"
      I approached Tata Aig through their agent, he have taken initiative to generate the policy on time, I have received the policy document on time, the premium amt around Rs. 11k for one year, I have road side assistance with engine protection, tier cover with best insured value.
      Was this review helpful? 0
      , keonjhar
      Reviewed on Dec 10, 2018
    • Royal Sundaram Car Insurance
      "Good Product"
      0.5 4.0/5 "Great!"
      For my Maruthi car I took Royal sundaram general insurance through dealer I have approached the premium is reasonable, I don't think its a comprehensive plan. Once I had claim I met with the accident, there was a car damage, they gave 70% of claim, remaining I paid from my end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I had a claim of 44k with the SBI GENERAL INSURANCE where i have taken the card insurance and the claim is of reimbursement and i got within the one day. The premium is nominal and the IDV is nominal. The coverage is for bumper to bumper. The process is good with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • ICICI Lombard Car Insurance
      "Good Protection for four wheeler"
      0.5 4.0/5 "Great!"
      The car policy with ICICI lombard is good and they are economical on the cost wise, I took policy for one year I took 100% its zero depreciation. They gave me best insured value based on the age of vehicle, they have ncb features and they many service centers too.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 05, 2018
    • Bajaj Allianz Car Insurance
      "Good claim process with fast service"
      0.5 4.0/5 "Great!"
      The premium amt is good in Bajaj Allianz and economical too, I paid Rs. 25k for one year. I have Hyundai I ton card its 3 years old, they gave me best insured declared amount, I got the papers on time, my claim exp is good, car got damaged and replaced and gave it on time, even they have lined with many service centers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2018
    • ICICI Lombard Car Insurance
      "Quick policy"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the policy for 4 years with ICICI Lombard. The policy was given by dealer when i purchase the policy and i'm continuing the policy without any reason. The claim experience was fine. I have got the coverage amount of Rs. 9 lakhs and i have got the claim amount of RS. 40000. This policy covered with bumper to bumper facility. I have got the claim within 5 days.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2018
    • Universal Sompo Car Insurance
      "Good Car Insurance policy"
      0.5 5.0/5 "Blown Away!"
      My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 03, 2018
    • Bajaj Allianz Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Cost of the car policy is good in Bajaj Allianz. I have Maruthi card they best insured value based on the age. I don't have any claim experience. The insurance company gave me Rs. 2.5 lakhs for one year, third party cover and personal accidental cover is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 03, 2018
    • New India Car Insurance
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      In 10 years of experience I didn't face any claim. I have wagon R, the premium cost was economical, I paid around Rs. 5000 for one year, they gave me the comprehensive 100% protection plan, they got tie up with the dealer and they do have ncb features.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 03, 2018
    • United India Car Insurance
      "Good car insurance policy"
      0.5 5.0/5 "Blown Away!"
      Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 03, 2018
    • ICICI Lombard Car Insurance
      "Better"
      0.5 4.5/5 "Excellent!"
      My car insurance was taken with ICICI Lombard and it was offered by the showroom. They are giving zero depreciation and don't know about the other offers. The premium is included in the car price. The customer service is good. They have sent the insurance papers on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Car Insurance
      "Value of money"
      0.5 4.0/5 "Great!"
      4 years back, i have bought my car insurance policy with Bharti Axa. Somebody suggested me about this car insurance policy. The premium amount is less comparatively less when i compared with other companies. I'm happy about the coverage value they have provided to me. I have not claimed anything in this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • Tata AIG Car Insurance
      "Yet to experience the policy"
      0.5 4.0/5 "Great!"
      I have purchased the TATA AIG car insurance 6 years ago. I have selected the TATA company because of the brand value. I'm not sure about the bumper to bumper facility. I have got the benefits of no claim bonus, cashless garages. I never interacted with the customer anyway I'm satisfied with the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • ICICI Lombard Car Insurance
      "Good experience with ICICI Lombard"
      0.5 4.0/5 "Great!"
      My car insurance was taken with ICICI Lombard. I never interacted with the customer care. I had a claim experience with them and the certain parts are not covered however the coverage value was good. They are given me a bumper to bumper coverage. They have given no claim bonus when i have not claimed anything before.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • United India Car Insurance
      "No claim experience in United India"
      0.5 4.5/5 "Excellent!"
      When i purchase my car, bank has given me a United Car Insurance. There is no much difference between this policy and others. The premium amount is less since its provided by the bank people. I paid the premium amount of Rs. 24000. 10 years back, i have purchased this policy. They have given me a 100% coverage value. I have not claimed anything in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 02, 2018
    • Tata AIG Car Insurance
      "Good Car Insurance policy as of now. "
      0.5 4.0/5 "Great!"
      My car insurance policy was taken with TATA AIG. My friend has recommended me about this policy. He has taken care of all the details of the policy. I have been renewing the policy for last 9 years. I never interacted with their customer since i don't require it. I had no claim experience till now. They have offered me a coverage value of Rs. 6.25 lakhs. I have got a no claim bonus.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 02, 2018
    • National Insurance Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I think I paid the premium around Rs. 28,000 for IDV value of Rs. 3 lakhs for the tenure of one year. I have model of maruthi swift its 2015 model, it has bumper to bumper coverage, its protects only for my car. They will provide no claim bonus on next year.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 01, 2018
    • ICICI Lombard Car Insurance
      " Good Experience and hassle free"
      0.5 5.0/5 "Blown Away!"
      The ICICI lombard premium amount is economical I Have taken the policy for one year. I took the comprehensive plan with fist party accidental, it also cover loss, damage etc. I got the policy documents on time. faced claim, I went to the showroom they taken the documents, I just dropped my car to the dealer I paid 1000 at the time of billing , they completed all the process, delivery time is low.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 01, 2018
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