Drive worry-free with the best vehicle insurance coverage.

When you buy a new vehicle in India, you must buy a long-term Third-Party cover: 3 years for cars and 5 years for bikes. However, you can choose to buy the Own Damage (OD) part annually to keep your upfront costs lower and switch insurers easily if you find a better deal.

Third-Party: Covers only damage/injury you cause to others. It’s cheap and mandatory, but pays ₹0 for your own car repairs. Comprehensive: Covers others plus your own vehicle against accidents, theft, fire, and floods. In 2026, nearly 85% of urban Indians opt for Comprehensive plans for total peace of mind.

IDV is the “Current Market Value” of your vehicle. It is the maximum amount the insurer will pay if your car is stolen or “Totalled” (damaged beyond 75%).

Standard policies don’t pay 100% for plastic, rubber, or fiber parts (they deduct “depreciation”). With a Zero Dep add-on, the insurer pays the full cost of replacement parts. In 2026, this is almost mandatory for any car less than 5 years old.

The No Claim Bonus (NCB) is a discount (up to 50%) for not making a claim. Traditionally, you lost this if you didn’t renew within 90 days. As of 2026, the IRDAI has extended this grace period to 120 days for two-wheelers, giving you more time to retain your hard-earned discount.

No, unless you have an “Engine Protect” add-on. If you try to start your car in a waterlogged street and the engine “hydro-locks,” a standard policy won’t cover the ₹1 Lakh+ repair bill. This add-on is essential for cities like Mumbai, Chennai, and Delhi during monsoons.

Items like engine oil, gear oil, nuts, bolts, and AC gas are usually not covered in a standard claim. A Consumables Cover ensures these small costs (which add up to thousands) are paid by the insurer.

Yes! In 2026, the DigiLocker or mParivahan versions of your Driving Licence and Insurance are legally valid. As long as you have a valid digital record, your claim cannot be rejected for “lack of documents.”