Car Insurance

Answer these questions to find the best motor insurance plan for your needs.

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What is the type of car?

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What’s your Car Brand?

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Which Model of Brand?

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Which Fuel Type?

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When is your policy expiring?

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Which Variant of Model?

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Did you make a claim during the expiring policy year?

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Where will you register the car Which City & RTO?

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What type of Insurance is required?

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The basic purpose of Motor (Car) insurance is to provide financial protection against physical damage to the vehicle or bodily injury to third party as a result of accidents, collisions apart from liabilities arising from such incidents. Motor insurance gives protection to the vehicle owner against (i). damages to his/her vehicle and (ii). pays for any Third Party Liability determined as per law against the owner of the vehicle. Third Party Insurance is a statutory and legal requirement and hence every vehicle owner should mandatorily insured his/her vehicle atleast for Third Party cover. The owner of the vehicle is legally liable for any injury or damage to third party life or property caused by or arising out of the use of the vehicle in a public place.
  • Types
  • Benefits
  • Inclusions and Exclusions

Motor Insurance in India is of two types:

  • Third Party Liability Cover:
    Third party liability insurance covers the damages caused by the insured, to an unrelated third party. In case of accidents, a third party liability insurance plan, covers all the damages that the insured driver has caused to the third party, their motor vehicle and its accessories. It also covers bodily injuries to the third party. The policy however does not cover bodily injury to the insured.
  • Comprehensive Motor Insurance Plan:
    This motor insurance plan provides coverage for all the damages caused to the third party (bodily injury or property damage), as well as suffered by the insured to the vehicle. The damages caused may be due to human acts (while driving) or a natural calamity. It covers the damages to the insured’s motor vehicle, third-party legal liability, theft and personal accident coverage.

Benefits of Car Insurance

Covers Accidental Damage Repair Costs: Paying for the repair post an accident can be expensive for any individual, especially if it a high end car. This repair expenses incurred can burn a big hole in the insured’s pockets unexpectedly if they do not have their vehicle insured?

Add on to take care of additional Risks : There are many relevant add on Motor Insurance like Zero Depreciation, Return to Invoice, Tyre and Engine Secure, Key Replacement etc which can ensure better coverage for your vehicle in case of accidental damage.

Legal Liability : If there is an unfortunate accident and injury to a third party, the insurance policy can take care of the possible financial liability that arises. Sometimes, if the injured person is a successfully person, the legal liability can run into lacs of rupees.

Covers Accident related Hospitalization Expenses: If due to an accident, the insured is required to be hospitalised, then the motor insurance policy safeguards you from spending the hospital expenses from the insured’s own pocket.

Accidental Death Cover: If the insured unfortunately dies post an accident and if he is the only earning member of the family, the family can be put into financial hardship. The insurance policy atleast provided an Accidental Death benefit to the immediate kin to tide over the initial financial burden.

Road Side Assistance : Currently most insurers offer Road Side Assistance to the insured for a small increase in premium. This comes in handy when the insured is stranded on a highway following an accident or breakdown.

Inclusions and Exclusions under your Car Insurance Policy:

The damages to the vehicle due to the following perils are usually covered under OD section of the Motor Insurance policy. It provides a quick snapshot of what is covered and what is not...however please go through the terms and conditions of your policy for the entire set of coverages and exclusions: The exclusions in a Two Wheeler policy include:
Inclusions – what is covered Exclusions – what’s not covered
Fire, Explosion, Self- Ignition, Lightning Driving without a valid Driving License
Burglary/Housebreaking / Theft Driving under Influence of intoxicating liquor/ drugs
Riot, Strike Accident taking place beyond Geographical limits outside India
Earthquake While Vehicle is used for unlawful purposes
Flood, Storm, Cyclone, Hurricane, tempest, inundation, hailstorm, frost Electrical/Mechanical Breakdowns of the vehicle due to regular wear and tear
Accidental external means
Malicious Act
Terrorism acts
While in Transit by Rail/ Road, Inland waterways, Lift, Elevator or Air
Land slide / Rock slide

Car Insurance Products

Car insurance is of paramount importance to ensure you do not suffer financial losses if your car undergoes damage due to natural calamities, accidents or if you are an unfortunate victim of car theft.
The car insurance policy, at IFFCO Tokio, strives to give you complete security and protection from unpredicted accidental loss.
Car insurance is of paramount importance to ensure you do not suffer financial losses if your car undergoes damage due to natural calamities, accidents or if you are an unfortunate victim of car theft.
SBI General's Private Car Insurance Policy–Package. So that you can be in control and enjoy the journey no matter whatroad blocks thatlife throws at you,and your car.It protects your car so you don't have to worry about it.
Car insurance also provides you with a financial shield in case any damage is done to a third-party person or property.
Coverage for Partial Loss & total loss arising out of accident, Fire & allied perils and theft

EIndia Motor Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • universal sompo
  • iffco tokio
  • hdfc ergo
  • SBI

India motor insurance articles

motor insurance India
Types of Private Car Insurance in India

This is the most complete and comprehensive car insurance policy you could get for your four wheeler. Click here to read more

Third Party Coverage for their Car

This policy offers overall and comprehensive protection against damages to both parties involved in an accident. Click here to read more

Top factors that affect your car insurance premium

While deciding to insure your car, there are many factors that have to be kept in mind while opting for the ideal cover. Click here to read more

Private Car Insurance Add-ons

Under car insurance, an add-on cover is referred to as an additional cover that can be purchased by a car owner to strengthen the coverage level of his/ her car. Click here to read more

Care health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Motor insurance FAQ

FAQ related to Indian motor insurance. Get answers for any motor insurance questions


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Car Insurance Add Ons

Car insurance add-on coverage for daily allowance, hired cars, glass windshield and rubber tyre repair, loss of personal belongings and key replacement

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