Third-party insurance (mandatory by law): Covers damage you cause to other people's vehicles or property. Does NOT cover damage to your own car.
Comprehensive insurance (strongly recommended): Covers both third-party liability AND damage to your own car from accidents, theft, natural disasters and fire. Always choose comprehensive for a new car.
IDV is the maximum amount your insurer pays if your car is stolen or totalled. It's based on the car's current market value minus depreciation.
Never set IDV too low just to save on premium — if your car is stolen, you'll only get the IDV amount. Set it as close to the actual market value as possible.
NCB is a discount on your premium for every claim-free year — starts at 20% after Year 1 and goes up to 50% after 5 consecutive claim-free years.
Never make a small claim that's less than your NCB benefit — it's better to pay a small repair out of pocket and protect your NCB.
Zero Depreciation cover: Pays the full replacement cost of parts without depreciation deduction. Essential for cars under 5 years old — worth every rupee.
Engine Protection cover: Covers engine damage from waterlogging — important in cities prone to flooding. Roadside Assistance: Very useful for breakdown or tyre punctures.
Skip: PA cover for passengers (you have separate life insurance), consumables cover for basic services.
Use our free car quiz to find your ideal car — then make sure you insure it correctly with the right coverage.
Take the Free Car Quiz →