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India (INR)

Car insurance guide

Third-party vs comprehensive cover, IDV and claim tips for Indian drivers.

Car insurance protects you financially after accidents, theft or third-party claims. Here is what every Indian car owner should know before buying or renewing a policy.

Types of car insurance in India

Third-party (TP)

Mandatory by law. Covers injury or property damage you cause to others. Does not cover damage to your own car.

Best for: very old cars with low market value.

Comprehensive

TP cover plus own-damage (OD) for accident, theft, fire, flood and vandalism. Optional add-ons available.

Best for: most cars under 10 years old.

What is IDV?

Insured Declared Value is the maximum sum the insurer pays if your car is stolen or totalled. It decreases each year with depreciation. Setting IDV too low saves premium but reduces your payout — too high wastes money.

Useful add-ons

  • Zero depreciation — full claim on parts without depreciation deduction (great for new cars).
  • Engine protection — covers hydrostatic lock from water ingress.
  • Roadside assistance — towing, flat tyre and battery jump-start.
  • NCB protection — keeps your no-claim bonus after one claim year.
  • Consumables cover — nuts, bolts, oil and coolant in accident repairs.

No Claim Bonus (NCB)

Each claim-free year earns a discount on own-damage premium — up to 50% after five years. NCB belongs to you, not the car, and can transfer to a new vehicle or insurer.

How to file a claim

  1. Inform insurer within 24–48 hours of the incident.
  2. File an FIR for theft or third-party injury cases.
  3. Take photos of damage and note witness details.
  4. Visit a network garage for cashless repair or pay and reimburse.
  5. Submit RC, DL, policy copy and repair estimates as requested.

Parking tip

Minor parking dents are common in Indian cities. A Sampark tag helps people reach you before a small scrape becomes a hit-and-run. Get your tag →