Car Insurance
Car insurance protects you against the cost of damage to your car and the legal liability you owe to others on the road. In India, at least third-party cover is required by law, while comprehensive cover also pays for damage to your own vehicle. Assurmate compares plans from 75-plus insurance partners to find the right fit and supports you through claims.
What it is
Car insurance is a motor policy that covers financial losses arising from your car. It comes in two broad forms: a mandatory third-party policy that pays for injury, death, or property damage you cause to others, and a comprehensive policy that adds own-damage protection for your own car against accidents, theft, fire, and natural events.
You can shape comprehensive cover with optional add-ons such as zero-depreciation, engine protect, and roadside assistance, and you earn a No Claim Bonus for every claim-free year. Exact cover, add-on availability, and pricing vary by insurer and policy wording.
Who needs it
Every car owner in India needs at least third-party cover because it is required by law, but comprehensive insurance is strongly recommended for anyone who wants their own vehicle protected. It is especially worthwhile for owners of new or high-value cars, people who drive in busy cities or flood-prone areas, and families who want passenger protection. SMEs running company cars or small fleets also benefit from comprehensive cover with the right add-ons to limit out-of-pocket repair costs.
What's covered
- Third-party liability for injury, death, or property damage you cause to others
- Own-damage to your car from accidents and collisions
- Theft of the vehicle and damage from attempted theft
- Fire, explosion, and self-ignition damage
- Natural calamities such as floods, storms, earthquakes, and landslides
- Man-made events such as riots, strikes, and vandalism
- Mandatory personal accident cover for the owner-driver
- Cashless repairs at the insurer's network garages
Typically not covered
- Normal wear, tear, and mechanical or electrical breakdown
- Driving under the influence of alcohol or drugs
- Driving without a valid driving licence
- Use of a private car for hire, racing, or other unauthorised purposes
- Consequential damage and depreciation unless an add-on covers it
- Damage outside the policy's geographical area or during the period the policy is not active
Why buy it through Assurmate
Conflict-free, free advice
We work on your side, not the insurer's, and our guidance is free for you. That means recommendations based on your car and needs, not on which product pays us more.
Legally compliant on the road
Every policy includes the mandatory third-party cover so you stay on the right side of the Motor Vehicles Act. You avoid fines and legal hassle if you are stopped or involved in an incident.
Cashless repairs at network garages
Most insurers offer cashless repairs at partner garages, so approved costs are settled directly with the workshop. You typically pay only your deductible and any non-covered items.
Reward safe driving with No Claim Bonus
If you do not make a claim during the year, your No Claim Bonus grows and can reach up to 50% over consecutive claim-free years. This directly lowers your own-damage premium at renewal.
Full claims support when it matters
Assurmate helps you file, follow up, and resolve claims so you are not left dealing with paperwork alone. We act as your advocate from intimation through settlement.
Optional add-ons
- Zero-depreciation cover. Pays the full cost of replaced parts without deducting for depreciation, so you get a higher claim payout. Especially valuable for new and high-value cars.
- Engine protect. Covers engine and gearbox damage from water ingress, oil leakage, or related causes that a standard policy usually excludes. Useful in flood-prone areas and for premium vehicles.
- Roadside assistance. Provides on-call help such as towing, jump-start, flat-tyre support, and fuel delivery if you are stranded. Reduces stress during a breakdown far from home.
- Return to invoice. In case of total loss or theft, pays the original invoice value rather than the depreciated market value. Helps you replace your car with minimal out-of-pocket loss.
- Consumables cover. Reimburses the cost of consumable items like engine oil, nuts, bolts, and lubricants during a claim. These small costs add up and are normally not paid otherwise.
- Passenger and driver cover. Adds personal accident cover for co-passengers and any paid driver beyond the owner-driver protection. Brings peace of mind for families and frequent travellers.
How to buy through us
- 1
Share your car details
Tell us your car make, model, registration year, and city, plus your current policy details if any. This lets us pull accurate quotes.
- 2
Compare tailored quotes
We line up plans from 75-plus insurance partners and explain the differences in cover, add-ons, and price. You choose what fits your needs and budget.
- 3
Buy securely online
Complete payment through a secure channel and get your policy document by email. Your cover starts as per the policy terms.
- 4
Get lifelong support
We stay with you for renewals, endorsements, and claims assistance. Reach out anytime and we handle the follow-up.
Car Insurance questions
The things people ask us most about this cover.
Yes. At minimum, third-party liability cover is required by law under the Motor Vehicles Act, and driving without it can lead to fines and legal action. Comprehensive cover is optional but strongly recommended to protect your own car.
Third-party cover only pays for injury, death, or damage you cause to others, not to your own car. Comprehensive cover includes third-party liability plus own-damage protection for accidents, theft, fire, and natural events.
No Claim Bonus is a discount you earn on your own-damage premium for each claim-free year, and it can rise up to 50% over consecutive years. If you make a claim, the bonus usually resets, so small repairs may be worth paying yourself; exact slabs vary by insurer and policy wording.
Zero-depreciation is worth considering for new or high-value cars because it pays the full cost of replaced parts without deducting depreciation, raising your claim payout. It adds to the premium and is often limited by age of the car and number of claims, so availability varies by insurer and policy wording.
When you repair your car at an insurer's network garage, the approved repair cost is settled directly between the insurer and the garage. You typically pay only your deductible and any items not covered by the policy.
Assurmate is a trusted insurance advisory that compares 75-plus insurance partners to find cover that fits your car and budget, with free and conflict-free advice. We also provide full claims support, so you have someone on your side from purchase through settlement.
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Explore coverNot sure if Car Insurance is right for you?
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