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Car Insurance Online in India
Car insurance protects you against financial loss from accidents, theft, fire, and third-party damage. In India, at least third-party car insurance is mandatory under the Motor Vehicles Act. At PolicyLegit, you can get a car insurance quote in under 2 minute.
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.
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Why Choose PolicyLegit for Car Insurance?
Compare plans from multiple IRDAI-registered insurers in one place
Simple 2-step process — no long forms, no confusing paperwork
Get a call back from our team to help you choose the right plan
Support in Hindi and English — talk to us the way you're comfortable
Assistance available on call and WhatsApp, not just online
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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