Car Insurance

Car Insurance
A Car Insurance policy for your car that keeps it secure against damage caused by natural and man-made calamities, including acts of terrorism. Avail of Own Damage, Personal Accident and Liability cover all in one policy.
Car Insurance in India is governed by the India Motor Tariff, so the coverage for your vehicle would be the same no matter which company you would buy it from. Moreover, Car Insurance is mandatory and needs to be renewed every year. So choose the best car insurance company in India.

Key Benefits of Motor Insurance
  • If your car breaks down, help will come your way
  • Just give us a call and be assured of Road Side Assistance to help with accommodation, minor repairs and more


  • Go on longer drives with lesser worries
  • Avail cashless services at 3,500+ network garages


  • Get your policy without any delays
  • We issue instant policy online, with minimal paperwork


  • Renew your policy with ease
  • We have made online policy renewal quick, effortless and convenient


  • A dent in your car will not cause a dent in your finances
  • Get Zero Depreciation Cover and avail coverage on replaced parts with no deduction for depreciation


  • Switch to our policy and retain existing benefits
  • Transfer your No Claim Bonus* from an existing policy, if you haven’t made a claim


  • Get allowance for daily commute when your car is getting repaired
  • Our Garage Cash Cover offers you a daily allowance for each day that your car is in the garage.


When To Claim

Motor Insurance Claims

In Case of an Accident
  • Note the numbers of the other vehicle involved in the accident, if any
  • Try to note the names and contact details of witnesses, if any
  • Contact our 24x7 call centre and get your claim number / reference number
  • Call centre executive will give you the details of documents required for processing your claim and details of our preferred garage where the vehicle can be repaired
  • File an FIR in the nearest police station in case property damage, bodily injury, theft and major damages

After registering the claim
  • Our customer service manager will contact you within 24 hours of registering the claim
  • Submit the copy of documents to the dealer / CSM and get verified with the originals
  • Our CSM will get the estimate for the repairs of your vehicle and give spot approval after assessment
  • After completion of repair at our preferred garage we will make payment of our share of the loss directly to the garage
  • The insured to pay the excess mentioned in the policy and depreciation, salvage etc informed by the CSM

Documents Required
  • Claim form filled-in and signed
  • A copy of your Vehicles R.C. Book
  • A copy of the Driving License of the person driving at the time of accident

Additional documents required For Theft Claims
  • R.T.O. Paper duly signed from the local R.T.O. Office
  • N.O.C. from Finance Company in case the car is hypothecated
  • Letter of Indemnity & Subrogation from a Notary located near a Local Court

For Third Party Claims
  • M.A.C.T / Legal Notice which would be sent to you by the Third Party
  • Stamp required in case of a company- registered vehicle
  • Original documents to be produced for verification

REQUEST A CALL BACK

We are here to help you always

Need help? Call our award-winning support team at 040 6666666666


Frequently Asked Questions

The policyholder should renew his car policy before the expiry of his existing policy. This will ensure that there is no break in policy and you can continue to avail benefits such as no claim bonus.

The limit to filing a claim for 4 wheeler insurance per year varies from one insurance provider to another. Most insurance companies allow multiple claims in a year until the IDV is not exhausted. You should check your policy document to know the exact number of times you can claim your four-wheeler insurance policy in a year.

Bumper to bumper car insurance refers to the insurance policy that provides complete protection to the insured car without considering the depreciation of its parts. In other words, this type of four-wheeler insurance allows the policyholder to obtain compensation up to the market value of the car in case of damage or loss to the car. However, it attracts about 20% higher premiums than your regular 4-wheeler insurance policies.

Zero Dep refers to Zero depreciation car insurance. It is an add-on cover that allows the policyholder to get compensation up to the insured declared value (IDV) or current market value of the car without taking depreciation into account. You need to pay an extra premium amount to avail benefits of zero DEP in your 4 wheeler insurance policy.



Terms and Conditions apply. The values shown are for representation purposes only. Actuals may differ.

*Rs 20 lakh cancer cover at Rs 105 p.m. - This premium rate is for a 25 year old healthy non-smoker male for a term of 20 years, monthly premium payment frequency and without any additional benefits and is inclusive of all taxes. Crust Corporate Heart/Cancer Protect annual premium for ₹20 Lakhs Cancer Sum Assured is ₹1,180 inclusive of taxes.

#The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure. This is only available in Life & Health and All in One options.

+This benefit is only available under Life Plus & All-in-one options

1Tax benefits of Rs. 54,600(Rs. 46,800 u/s 80C & Rs. 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge as per old tax regime)on life insurance premium u/s 80C of Rs. 1,50,000 and health premium u/s 80D of Rs. 25,000. Tax benefits subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above

What does car insurance cover

Loss or Damage to your vehicle against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.


Loss or Damage to your vehicle against Man-made Calamities

Burglary, theft, riot, strike, malicious act, accident by external means, terrorism activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.


Personal Accident Cover

Coverage of up to Rs.2 Lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers available.


Third Party Legal Liability

Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

What is not covered in car insurance

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/ electrical breakdown
  • Damage to tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Vehicles being used otherwise than in accordance with limitations as to use
  • Damage to/ by a person driving any vehicles or cars without a valid license
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor
  • Loss/ damage due to war, mutiny or nuclear risk

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