Types of Private Car Insurance in India

Let’s look at some of the types of car insurance available to the Indian customer:

Comprehensive Car Insurance

This is the most complete and comprehensive car insurance policy you could get for your four wheeler. Apart from Third-party Liability, comprehensive car insurance covers Own Damages (OD) expenses such as burglary, explosion, flooding, water clogging and more. A comprehensive car insurance policy offers you the flexibility to also include add-ons that bring in a set of extensive benefits for added protection for your car. Some of these add-on include Engine and Tyre Protector, Consumables Cover, Personal Baggage, Zero Depreciation, Return to Invoice, Accessories cover and more. Key Benefits include
  • Own Damage Expenses
  • Third-party liability
  • Add-ons, as per those opted for by the insured
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Third-party Liability Insurance

This is the most basic and legally required mandatory car insurance policy you must take for your four wheeler. When you buy a third party car insurance, your insurance company takes care of all legal obligations that could arise due to an accident by you causing bodily injury or property damage to a third party. Your insurer will compensate for the financial losses you incur due to your accident that could be death, injury, disability, or damage to third-party’s life and property. Key Benefits include:
  • You don’t have to pay for the damages caused for your involvement in an accident. Your expenses would be taken care of by the insurance company when you experience damage, death or disability.
  • Covers the repair/replacement cost of the damaged property (or third-party)
  • Covers the medical bills of the third party due to hospitalization or medical treatment
  • The liability coverage will include the third-party injury, death or damage to the third party property.

Uninsured Motorist Protection

This is a type of insurance that comes handy if you are hit by another vehicle and the at-fault driver doesn’t have car insurance to cover your repair damages or injury. Typically, any repair or medical bills should be covered by the at-fault driver’s auto insurance. An uninsured motorist protection policy covers you against such expenses.
  • In some cases, the third party's insurance coverage is not sufficient enough to meet your needs.
  • You can include the additional rider such as uninsured or underinsured protection so that you can minimize your exposure.
  • The insurance company will pay the additional or total amount so that you will overcome the damage or medical bills very easily.

Personal Injury Insurance

This cover protects the owner-driver and the passengers in case of an accident. The medical bills and hospitalization charges are all covered by the insurance, not considering whose fault it was. It is compulsory to take third-party car insurance, which covers expenses to be paid to third-party. But what about the medical expenses you yourself have to incur? This policy covers all medical expenses of drivers as well as passengers.
  • Personal injury protection will cover all the costs associated with the accident.
  • The medical bills of the driver and other passengers will be covered by the personal injury protection.

Collision Coverage

This covers your vehicle only in the case of an accident, which includes repair expenses to your vehicle. Unlike a comprehensive cover, this only covers the vehicle in case of a collision and not in any other circumstance.
  • The collision cover should be subscribed as per the age of your vehicle. If you are buying an insurance company for a brand new vehicle, you should ensure that the collision coverage is included.

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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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