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 15-plus insurers to find the right fit and supports you through claims.
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.
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.
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.
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.
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.
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.
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.
Tell us your car make, model, registration year, and city, plus your current policy details if any. This lets us pull accurate quotes.
We line up plans from 15-plus insurers and explain the differences in cover, add-ons, and price. You choose what fits your needs and budget.
Complete payment through a secure channel and get your policy document by email. Your cover starts as per the policy terms.
We stay with you for renewals, endorsements, and claims assistance. Reach out anytime and we handle the follow-up.
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 an IRDAI-licensed broker that compares 15-plus insurers 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.
Affordable bike and scooter insurance with instant policy issuance.
Explore coverCashless hospitalisation cover that protects your savings from rising medical bills.
Explore coverOne policy, one premium that covers your entire family under a shared sum insured.
Explore coverTell us a little about your situation and an advisor will recommend the best-fit cover across 15+ insurers — free and unbiased.
Share a few details and an advisor will reach out, usually the same day.
