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Car Insurance Online in India
Looking for car insurance online?
Whether you own a Maruti Swift, Hyundai Creta, Tata Nexon, Honda City, Mahindra XUV, or any electric car, the right car insurance policy protects you from heavy repair costs and legal liabilities.
At PolicyLegit, you can compare car insurance plans from 20+ IRDAI-registered insurers, check exact premiums, and buy or renew your policy online in under 2 minutes.
Car Insurance Price List 2026 (approx)
| Engine Capacity (CC) | Third Party (1 Year) | 3-Year TP (New Vehicles) |
|---|---|---|
| Up to 1000 cc | ₹2,094 | ₹6,621 |
| Above 1000 cc and up to 1500 cc | ₹3,416 | ₹10,640 |
| Above 1500 cc | ₹7,897 | ₹24,596 |
Note: Final premium amount depends on IDV, machine type, usage, site location, add-ons, NCB, and insurer selection. You can check market price comparison across insurers, brokers, or insurance bazaar platforms before buying.
Electric Car Insurance Price List 2026 (approx)
| Vehicle Category | Third Party (1 Year) | 3-Year TP (New Vehicles) |
|---|---|---|
| Up to 30 kW | ₹1,780 | ₹5,543 |
| Above 30 kW and up to 65 kW | ₹2,904 | ₹9,044 |
| Above 65 kW | ₹6,712 | ₹20,907 |
Note: Final premium amount depends on IDV, machine type, usage, site location, add-ons, NCB, and insurer selection. You can check market price comparison across insurers, brokers, or insurance bazaar platforms before buying.
What is Car Insurance?
Car insurance is a contract between you and an insurance company. In exchange for a yearly premium, the insurer agrees to cover financial losses from accidents, theft, natural disasters, fire, or damage caused to a third party's vehicle or property.
If your car meets with an accident, gets stolen, or is damaged in a flood or fire, your car insurance policy helps pay for repairs, replacement, or compensation.
Is Car Insurance Mandatory in India?
Yes. As per the Motor Vehicles Act, 1988, every car running on Indian roads must have at least a third-party car insurance policy. Driving without valid insurance can lead to fines and legal trouble in case of an accident.While third-party cover is the legal minimum, most car owners choose a comprehensive plan for better protection.
What Does Car Insurance Cover?
Damage to your car from accidents
Theft of your vehicle
Fire, explosion, or self-ignition damage
Natural disasters — flood, earthquake, cyclone, landslide
Damage caused to a third-party vehicle, person, or property
Personal accident cover for the owner-driver
Types of Car Insurance Plans
1. Third-Party Car Insurance
Covers damage or injury caused by your car to another person, vehicle, or property. It does not cover damage to your own car. It is mandatory under Motor Vehicle Act 1988
2. Comprehensive Car Insurance (Recommended)
Covers third-party damage plus damage to your own car from accidents, theft, fire, natural calamities, and vandalism. You can also add extra protection with add-ons like zero depreciation cover, engine protection, and roadside assistance.
3.Own-Damage (OD) Insurance
For cars that already have an active third-party policy, a standalone OD insurance plan can be purchased separately to cover damage to the vehicle itself.
Recommended Add-ons for Car Insurance
- Zero Depreciation: Full claim amount without depreciation deduction
- Engine Protect: Covers engine damage from water ingress
- Roadside Assistance: Help during breakdowns
- Consumables Cover: Covers oil, nuts, bolts, etc. during repairs
- Return to Invoice: Useful for new high-value bikes
- Personal Accident Cover: Enhanced cover for owner-driver
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Why Choose PolicyLegit for Car Insurance?
- Compare plans from multiple IRDAI-registered insurers in one place
- Simple Online Process without any confusion or hidden terms
- Get a call back from an expert to help you choose the right plan
- Multilingual Support: Hindi and English
How to Claim Car Insurance
- Inform Insurer Immediately: Call or WhatsApp our team as soon as an accident or damage happens. We'll guide you on the next steps.
- Documentation: Share your policy number, photos of the damage, and (if required) an FIR copy for theft or major accidents.
- Survey & Assessment: The insurer's surveyor inspects the damage and estimates the repair cost.
- Repair or Settlement: Get your car repaired at a network garage (cashless) or claim reimbursement after repair.
Frequently Asked Questions
Got questions about car insurance in India? We've got you covered with all the essential details.
Is car insurance compulsory in India?
Yes, at least third-party car insurance is legally mandatory for every car on Indian roads under the Motor Vehicles Act, 1988.
What is the difference between third-party and comprehensive car insurance?
Third-party insurance only covers damage you cause to others. Comprehensive insurance covers third-party damage plus damage to your own car from accidents, theft, fire, and natural disasters.
How much does car insurance cost?
The premium depends on your car's model, age, city, IDV (Insured Declared Value), and the type of cover chosen. Share your car number with us for an exact quote.
Can I buy car insurance online through PolicyLegit?
Yes, Just enter your car number and phone number on our website, and our team will help you compare and buy the right plan — fully online, no paperwork visits needed.
What happens if I drive without valid car insurance?
Driving without valid insurance is a legal offence and can lead to fines. In case of an accident, you would also have to bear the entire repair and compensation cost yourself.
How long does it take to get a car insurance policy?
Once you share your details with us, our team helps you compare plans and issues your policy the same day in most cases.
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