Private Car Insurance
Comprehensive private car insurance to safeguard your vehicle against accidents, theft, fire, and third-party liabilities.
Private Car Insurance
Private Car Insurance is a motor insurance policy that protects your personal car against financial losses and legal liabilities arising from accidents, theft, damage, and third-party claims. Under Indian law (Motor Vehicles Act), third-party liability coverage is mandatory for all vehicles on the road.
Key Features
- Mandatory third-party liability
- Own damage (OD) coverage
- Personal accident cover
- No Claim Bonus (NCB)
- Cashless repair facility
Types of Coverage / Plans
Choose the right coverage for your private car:
Common Add-ons (Optional Enhancements)
You can pay an extra premium for these extended protections. Different insurers may offer slightly different add-on names and features.
Zero Depreciation Cover
Pays full parts cost without depreciation deduction
Engine Protect Cover
Covers engine repair/replacement (including water ingress)
Consumables Cover
Covers screws, oil, nuts/bolts etc. during repairs
Return to Invoice (RTI)
Pays the original invoice value for total loss/theft
Roadside Assistance
Towing, jump starts, fuel delivery, minor repairs
Key Replacement / Protect
Pays cost of lost or damaged keys
Daily Allowance
Pays a daily amount if your car is in repair
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Your Questions,
Answered
"From choosing the right policy to making a claim, we've answered your most common questions."
You have different questions? Our team will answer all your questions. We ensure a quick response.
What is Private Car Insurance?
Private car insurance is a policy that protects your personal vehicle against damages and provides financial coverage for third-party liabilities arising from accidents.
Is car insurance compulsory in India?
Yes, as mandated by the Motor Vehicles Act, 1988, every vehicle must have at least third-party insurance to be legally driven on public roads.
What are the different types of private car insurance?
Third-Party Insurance covers injury, death, or property damage caused to others. Comprehensive Insurance covers both third-party liabilities and damages to your own car. Standalone Own Damage Cover covers damages to your vehicle, provided a valid third-party policy exists.
What does a comprehensive policy include?
A comprehensive policy typically covers accidental damage, theft or total loss, natural disasters (floods, storms, etc.), man-made incidents (riots, vandalism), and third-party liabilities.
What is excluded from car insurance coverage?
Common exclusions include normal wear and tear, mechanical or electrical failures, driving without a valid license, driving under the influence of alcohol or drugs, and claims outside policy terms.
What is IDV (Insured Declared Value)?
IDV is the current market value of your vehicle and represents the maximum amount payable by the insurer in case of total loss or theft.
What is No Claim Bonus (NCB)?
NCB is a reward in the form of a premium discount for not making any claims during the policy period. It increases with consecutive claim-free years.
What are add-on covers?
Add-ons are optional benefits that enhance your policy coverage, such as Zero Depreciation Cover, Engine Protection, Roadside Assistance, Return to Invoice, and Consumables Cover.
How is the insurance premium determined?
The premium is calculated based on factors like vehicle type, make, and age, registration location, IDV, selected add-ons, and claim history (NCB).
What is cashless claim settlement?
Cashless settlement allows you to repair your vehicle at a network garage without upfront payment, as the insurer directly settles the bill with the garage.
What documents are required to file a claim?
You will typically need the insurance policy document, Vehicle Registration Certificate (RC), valid driving license, FIR (for theft or major accidents), and completed claim form.
Can the insurance policy be transferred when selling the car?
Yes, the insurance policy can be transferred to the new owner along with the vehicle ownership.
What are the consequences of not renewing the policy on time?
Consequences include loss of No Claim Bonus, possible vehicle inspection before renewal, no coverage during the lapse period, and legal penalties.
How can I lower my insurance premium?
Maintain a claim-free record, opt for a voluntary deductible, install anti-theft devices, and choose add-ons wisely.
What is a deductible in car insurance?
A deductible is the portion of the claim amount you must bear. It includes a compulsory deductible and an optional voluntary deductible.