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What is car insurance?
A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in accident. Car insurance policy covers such third party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.
What are the different types of car insurance policies?
We offer all that you require! Choose as per your needs.
Private car package policy
A comprehensive car insurance policy offers complete protection to you. It covers not only the costs incurred on damages to a third party but also the damages to your car. This policy type also covers car theft and damages caused by fire, burglary and natural disasters.
Stand-alone own-damage car insurance
With our stand-alone own-damage car insurance, you are covered for any accidental damages to your car. These could be due to natural disasters like earthquake, flood, cyclone, and landslide, or due to manmade disasters like theft, burglary, riot or strike. To buy this car insurance, you should have an active third party insurance policy of the vehicle.
Third party car insurance
In this type of car insurance policy, you are covered against legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then we will take care of the expenses.
Why should you buy a comprehensive car insurance policy?
Here are six benefits that are hard to pass up.
1
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
2
Saves you from traffic fine
As per the new Motor Vehicle Act 2019A, you can get a traffic fine of upto ₹2000 for driving without car insurance. If you get caught for a second time, the penalty would be upto ₹4000.
3
Provides personal accident coverage for owner driver
Private car insurance policy provides ₹15 lakh coverage for injuries to the registered owner driver while travelling in the car, or getting in or off the car.
4
Gives easy access to cashless garages
Network of 5100+ cashless garagesC that take care of your car post damage. depands on the insurer you choose.
5
Covers damages to the car
Private Car insurance policy covers any damages to your car due to accidents or natural calamities and takes care of the repair costs.
6
Covers your car against theft
In case your car is stolen and cannot be recovered, Insurer will pay your losses.