We Compare 22 Insurers to Give You The Lowest Private Car Insurance Prices In India

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Motor Policy Coverage

Zero depreciation cover

This add-on cover protects you against financial loss due to depreciation. You can claim the entire sum insured to take care of damaged car parts.

NCB protection cover

This add-on cover helps you protect your accumulated NCB in case you make a claim, allow you retain discount on following year's car insurance premium

Road side assistance

This add-on cover provides fuel assistance, towing, mechanic's service, accommodation benefits if you get stranded in a remote destination while driving.

Return to Invoice Cover

By availing this add-on cover you can get the full reimbursement of the entire value of your car without the depreciation if it gets totally damaged.

24 x 7 Break Down Services

Did you know in case of your car breaks down, you are entitled to get a pickup service while your car get a towed service under certain policies?

Third Party Property Damage

Did you know that you can extend third party property damage liability up to 7,50,000 under this policy with some additional premium?

Nil Depreciation

Did you know that by paying additional premium, depreciation during replacement of car parts can be waived?

Top Features
Cashless Repair

Did you know that repair to your accidentally damaged vehicle can be arranged cashless through the selected garages across the country?

Windscreen Glass Coverage

Did you know that you can cover any damage of your windscreen glass by paying some additional premium without your no claim bonus getting affected?

Engine Projection

Did you know that Engine Protection cover shields engine damages not related to accidents and and keeps engine-related repair expenses financially protected?

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Car insurance is one of the most popular general insurance policies in India. Essentially, car insurance in India is an agreement between those who own a car and car insurance companies. All car-owners in India has to buy car insurance and get car insurance renewal done every year as it is legally mandatory in India. With the advent of of internet, online car insurance plans are highly sought-after in India because online insurance for car is easier to buy. Insurance renewal for cars can also be done online conveniently. If you are looking for the best car insurance in India, you need to compare car insurance online. In a motor insurance policy, the IDV of the car is usually considered as the Sum Insured. Depending on the IDV and other factors, the premium of an online insurance policy for car is determined in India. Car-owners need to pay that premium upfront in order to buy online insurance for cars. Insurance renewal process for cars also takes place in the same manner.

If you have a car in India, you have to opt for a vehicle insurance policy to be eligible to drive on roads within the territories in India. As per Motor Vehicles Act 1988, third party car insurance plans are essential in India. An online car insurance plan covers financial losses in several different ways. An insured car's damages are taken care of by an online insurance plan for car. Damages caused by an insured car are also covered by a motor insurance policy in India. In case, an insured car gets stolen, a car insurance provider pays out the compensation and saves the economical losses of car-owners in India.

Theft and damage of a car cause huge financial loss to the car-owners in India. A quality moor insurance policy shields car-owners from such financial setback.

There are two types of car insurance policies available in India in terms of coverage. As per Motor Vehicles Act 1988, third party car insurance plans are essential in India. You need to buy this type of car insurance so that you can drive your cherished car on roads of India. Another type of car insurance which is optional comes with comprehensive coverage. All providers of vehicle insurance in India offer both types of car insurance policies and car-owners can easily compare car insurance online and buy the best car insurance in India.

A car insurance policy with comprehensive coverage provides protection to the insured car as well as to liabilities of the owner of the car to third parties on streets. Even though, this type of car insurance coverage is optional in India, most car-owners opt for this to stay completely safe and secured economically as it ensures that the car is well protected from all possible hazards. This vehicle insurance policy protects car-owners from financial loss due to both partial damage and complete loss and theft. Moreover, a comprehensive vehicle insurance policy provides personal accident coverage to the driver-owner of the car. Many online car insurance providers extend this coverage to the passengers and even paid driver of the insured car.

As the name suggests, third party online car insurance plans safeguard liabilities of the owners of the car to third parties but doesn't protect losses or theft of the insured car. Personal accident coverage is also available with a liability only third party car insurance plan in India, however, only limited to the driver-owner of the insured car.

The major difference between a comprehensive motor insurance plan and a third party car insurance policy is a third party online insurance plan for car is designed to keep owners of the car protected from their liabilities to third party only. However, majority of those who newly buy a car, opt for a comprehensive online car insurance plan in India. Let's have a look at the coverage of a comprehensive motor insurance plan in details.

People those who buy car insurance online with comprehensive coverage enjoy the following protection.

If your insured car is responsible for damage to third party car, your liabilities are completely protected. An online car insurance plan with comprehensive coverage offers monetary compensation if any third party property gets damaged also in the unfortunate incident of third party death and physical injury.

A comprehensive online car insurance plan keeps owners of the insured car financially protected if their own car gets damaged. A wide array of natural and man-made disasters is covered by the comprehensive coverage of an online insurance plan for car. Damages during transits are also covered by this type of motor insurance policies available in India.

If you buy comprehensive online car insurance in India, you can also keep yourself covered in case of a mishap in road. You can further keep other passengers of your insured car under protection by extending this coverage. Even the paid driver of your car can be included in the personal accident coverage. However, you have to pay additional premium on your vehicle insurance policy to avail this extended coverage. Many providers of car insurance policies in India also keep accessories of the car covered.

Of late, many car insurance companies in India have come up with a range of add-on covers that enhance the coverage provided by a comprehensive car insurance plan. If you are not satisfied with the existing coverage of your car insurance plan you can avail these add-on covers on your insurance renewal of car for an additional premium. However, there are many car insurance add-on covers available in India, so you have to be selective and buy those add-on covers that your car needs. Different providers of online car insurance in India come with a different set of motor insurance add-on covers; you have to compare car insurance online companies' offerings in terms of add-on cover. By choosing the right car insurance add-on cover, you can drive your car without any worries. Here is a rundown of some of the most useful car insurance add-on covers.

In case your insured gets damaged but you refrain from making any claim on your car insurance plan, you are eligible for No Claim Bonus. Many owners of car in India accumulate up to 50% NCB and use that amount to reduce their car insurance premium. However, a single claim can nullify the entire NCB and this is where the NCB retention cover comes into play. If you buy this add-on cover, you can keep your NCB intact even if you make as many as two claims in a year.

Those who drive a private car in India, more often than not, come across a situation where they remain stranded in the middle of nowhere due to car breakdown. This type of car insurance add-on cover provides emergency towing services, fuel re-fill services and the likes so that owners of the insured car doesn't have to remain stranded.

This motor insurance add-on cover spares owners of the car the horror of burning a huge whole in the pocket for repairing or replacing costly car engines. Even if the engine failure is a consequential loss, this add-on cover pays out the required compensation in full. People living in flood-prone areas should avail this motor insurance add-on cover.

All these car insurance add-on covers provide enhanced protection in excess of the coverage provided by a comprehensive car insurance plan. You can buy these add-on covers at the time of your insurance renewal of car.

Finding the best car insurance plan is not easy in the huge profusion of motor insurance policies available in India. You need to compare car insurance online in order to find the best car insurance in India for your car. The following aspects of vehicle insurance plans and providers need to be taken into consideration when you go online to compare car insurance for your car.

All car insurance companies in India are not equal in terms of performance. The quality of customer service, claim settlement ratio, network of cashless garages and the likes differ from one provider of motor insurance plans in India from another. Best car insurance providers boast high claim settlement rate, wide network of cashless workshops and dedicated customer service.

All car insurance plans in India are not the same as well. You need to compare car insurance online in terms of premium of the policy, coverage it offers and list of exclusions. Best car insurance policies offer maximum coverage at a reasonable premium. Providers of best car insurance in India also come up with their own portals so that owners of cars in India can buy online insurance for car and also get their insurance renewal of car done online. You have to compare car insurance online on the basis of these aspects to grab the best car insurance in India for your car.

Many providers of online car insurance plans in India provide owners of the cars with a myriad of services such as towing facility, instant insurance renewal of cars, insurance renewal reminder. Companies that provide best car insurance in India come with these facilities. You can compare car insurance online on the basis of these additional benefits and cherry-pick the best car insurance in India for your car.

The following list of online car insurance companies is considered as the providers of best car insurance in India. You can buy the best car insurance plans for your car from any of these vehicle insurance providers. In early days, owners of car in India used to prefer public insurers to buy car insurance, however, in recent times people are resorting to private insurers to fulfill their online insurance requirements to safeguard cars. Here is a list of companies that offer best car insurance in India.

Tata AIG Car Insurance

When it comes to best car insurance in India, Tata AIG can well be your best option to buy online insurance for car from. This provider of motor insurance provides customers with a range of exclusive benefits. Advantages like zero deduction on salvage, NCB protection for making claims on plastic, fibre, glass and rubber parts, claim settlement in 7 days and a set of 12 unique add-on covers make Tata AIG motor insurance a lucrative proposition.

ICICI Lombard Car Insurance

ICICI Lombard is one of the largest private insurers in India. Motor insurance policies available with this provider come with benefits like Roadside Assistance, Garage Cash Cover along with instant issuance of online car insurance plans and insurance renewal of car online. If you buy online insurance for your car from ICICI Lombard you can avail cashless facilities in more than 3500 garages across India.

Oriental car insurance

Being a public insurer, Oriental Insurance Company is one of the most trusted providers of vehicle insurance in India. Online car insurance plans on offer at Oriental Insurance offer policyholders free emergency service that you can avail in case your insured car breaks down. Oriental motor insurance plans also provide alternative car benefit and cover of personal items to owners of the car. Keeping these value-added services in mind, Oriental motor insurance plan is one of the best car insurance in India.

New India car insurance

Another player from public sector, New India Assurance also offers one of the best car insurance in India. Apart from all regular coverage New India car insurance plans also provide owners of the insured car with free towing facility up to a maximum of Rs. 1500. Being rated A (Excellent) by an international agency, New India boasts a very impressive claim settlement ratio as well. Decision on any claim made on New India motor insurance is made within 3 days and grievances of customers who insure cars with New India Assurance are resolved within 15 days.

HDFC ERGO Car Insurance

One of the most popular private sector general insurance companies, HDFC ERGO also offers best car insurance in India. With over 3400 cashless garages to take care of your damaged car, personal accident coverage up to Rs. 2 Lakhs and a highly dedicated customer service to resolve grievances and settle claims, online car insurance plans offered by HDFC ERGO are also among the best car insurance plans that you can buy for your own car.

To trace out the best car insurance in India for your car, you should compare car insurance online. India's car insurance market is crowded with a plethora of motor insurance policies. If you go online to compare car insurance you can gauge the quality of each online car insurance plan for their premiums. A detailed comparison is the key to find the best car insurance plan for your car.

If you compare car insurance online, you will also be able to accumulate most updated information pertaining to available online insurance plans car. As you will invest your hard-earned money to buy car insurance online, invariably, you would want to settle with the best car insurance policy. If you compare car insurance online, you can make an informed decision and buy the best car insurance plan as per your budget and requirements. With the advent of online insurance plans for cars, now you don't have to go through a lengthy procedure to make comparison. It is now possible to compare car insurance online, not only from the portals of providers of vehicle insurance in India but also from several different comparison portals.

These portals facilitate owners of the car with detailed yet easy and fast comparison of online car insurance plans available in India. Details of all car insurance plans in the likes of features, benefits, claim settlement record and speed, cashless garage network, customer care service. By eliminating those cars insurance plans that don't meet your needs you can narrow down the available options and finally grab the best car insurance plan for your car.

You can also go online to compare car insurance at the time of your car insurance renewal. More often than not, motor insurance companies come with special deals and you can also avail that car insurance plan on your insurance renewal of car. Apart from that, you can also compare car insurance online prior to your insurance renewal of car to find out other motor insurance policies with better coverage and benefits at a lower premium.

All in all, you shouldn't compare car insurance online in haste. You need to be patient and watchful at the time of searching the best car insurance in India. You should keep a close eye on hidden costs and fine prints of car insurance plans and compare car insurance online accordingly. Your careful approach and serious efforts will lead you to the best car insurance in India for your car.

Car insurance renewal is a yearly affair. However, with the advent of long-term car insurance plans, now insurance renewal of car can be done after multiple years, at the time of expiry of current motor insurance policy. Insurance renewal of cars provides owners of the car with the opportunity to save on their car insurance premium. Many providers of car insurance in India offer discount on car insurance renewal if you do it online. Apart from availing that discount, you can also money in many different ways on your motor insurance renewal.

When you compare car insurance online in terms of premium at the time of your motor insurance renewal you need to be aware of your needs and find the best car insurance accordingly. Many a time, owners of the car in India end up paying higher premium for unnecessary coverage and service that they hardly require. Therefore, if you find a motor insurance plan when you compare car insurance online that offers your required coverage and services at a lower premium, you can save on your online car insurance premium.

As an owner of the car, you need to go through all available car insurance policy documents discreetly. This will not only help you understand terms and conditions of the policy but also to find out hidden clauses and avoid paying extra premium at the time of your insurance renewal of car.

If you buy a new car in India, you will be aware of its value. At the time of your insurance renewal of car, you also have to work out the present value of your car so that you can calculate the depreciation and get a bargain from your selected car insurance provider in India and save money in the process.

You need to get your motor insurance renewal done before expiry of your online car insurance plan. If you fail to do so you might have to pay more on your car insurance renewal and also face hazards like vehicle inspection.

You should not refrain from making car insurance claims for minor damages to your insured car. You can accumulate NCB by not making any claim on your car insurance and use the NCB to reduce your online car insurance premium at the time of your vehicle insurance renewal. Most owners of car in India save money on their car insurance renewal by earning NCB.

At the time of your motor insurance renewal, you can further minimize your car insurance premium by choosing higher deductible. This is a popular way of saving money on car insurance renewal but owners of insured need to keep in mind that the chosen deductible amount has to be paid from their own pockets when they make claims on their motor insurance policies.

Providers of best car insurance in India offer discount on car insurance premium for incorporating anti-theft devices in the insured car. If you install approved devices in your car, you can also save money on your car insurance renewal.

Best car insurance companies in India also provide discount on car insurance premium if the owner of the car is a member of a recognized Automobile Association of India. As a car owner if you enroll yourself with such an Automobile Association you are also eligible for discount on your motor insurance renewal.

Apart from these ways, you can also save money on your vehicle insurance renewal if you decide to drive your car in your own premise or if your car is designed specially for blind and mentally challenged people.

The sole purpose why you buy car insurance in India is to stay financially protected in case of a mishap. A vehicle insurance plan essentially covers the financial losses of the owners of the car if the car gets stolen or damaged or if the accident leaves the policyholders injured or even dead. To avail monetary compensation out of your online insurance policy for car, you need to make a claim and most importantly get your claim approved. So, knowing the right ways of registering a claim on your online car insurance is highly significant. Motor insurance claims are of different types as there are various unforeseen situations when car owners need to file a claim. Here is the motor insurance claim process for damages caused to the insured car of policyholders.

If your car is massively damaged in an accident, you need to take the following steps:

  • Your car insurer needs to be informed at the earliest and get your car insurance claim registered with your insurer
  • In the nearest police station, you have to lodge a detailed report describing the entire accident.
  • Don't remove your car from the accident spot until you car insurance provider ask you to do the same. Many times car insurance companies send a surveyor for spot inspection.

If your car damage is minor, these are the required steps for filing a claim;

  • You first have to remove your car from the spot of accident and have your car insurance provider informed
  • Since the damage of your car is minor, you can assess the damage and register car insurance claim
  • Your car insurance provider will send a surveyor to inspect the damaged car
  • After authorizing by the surveyor, the car insurance claim process will be initiated
  • You can also make a reimbursement claim on your car insurance by paying the cost of repair and replacement from your own pocket initially and then produce documents for reimbursement.
  • For cashless car insurance claims, you don't have to shell out a penny from your pocket, you just have to locate the nearest cashless garage in the network of your car insurance provider to get your damaged car repaired.

Third party car insurance claim process is entirely different than the process of filing claims for own damage. If your insured causes damage to any third party car you need to inform your car insurance provider immediately and ask for instructions to follow. If any third party gets severely injured you have to take the injured person to the nearest hospital.

For stolen cars, car insurance policyholders have to follow a different procedure.

  • You first have to register an FIR in the nearest police station
  • You have to intimate your car insurance provider about the theft and lodge a claim on your car insurance in writing along with required documents like copy of the FIR

In the car insurance policy document, claim process is mentioned in details. So if your car faces any of these untoward events you can resort to policy document to register a successful claim on your motor insurance plan.

Whether you can make a car insurance claim for it depends on the type of loss. If engine failure comes under consequential loss you cannot make a claim on your motor insurance policy. A regular car insurance plan doesn't cover consequential losses. A very common reason of engine failure of car is drivers' repeated effort to start the vehicle in a water-logged street. In a situation like this, engine failure is not covered in a vehicle insurance plan.

In other types of car engine failure, you can claim the amount to repair or replace damaged engine of your car. However, if the damage is partial, you will receive partial amount of the entire claim you seek. This is because depreciation comes into play and reduces the actual price of damaged car parts. You will have to pay the rest of the amount from your own pocket in case of car engine failure. However, if you are armed with a zero depreciation car insurance add-on cover you don’t have to pay penny. This add-on cover takes the depreciation out of the equation and help owners of the car get the full claim amount. However, you can avail this add-on cover only if your car is new and not more than 3 years old.

Engine Protect add-on cover is also useful as it helps car owners make claims on engine failure even if it is a consequential loss. But, you cannot use this motor insurance add-on cover to make a claim if you are at fault for the damage of the car and also for regular wear and tear of the car.

Many car owners in India get their motor insurance renewal done with the same vehicle insurance provider year after year assuming they have the best car insurance in India. If you are one of them, you should compare car insurance online in order to find a better deal. The market of car insurance in India is highly competitive as new providers are constantly coming up with new and lucrative motor insurance deals to attract car owners in India. So, you need to compare car insurance online on your vehicle insurance renewal to buy the best car insurance plan available for your car. Once you come across a better vehicle insurance deal suitable for your car, you can easily switch to that vehicle insurance provider in India. Here are some simple steps that you need to take for a successful online car insurance switch.

At the time of your car insurance renewal, if you let your present online insurance company for cars know that you would look to compare car insurance online to find a better offer instead of sticking to the same car insurance plan, your insurer might offer you some discounts or any other benefits so that you get your motor insurance renewal done with your present car insurance provider. In case, your insurer is unable to provide you any such benefit, it is time for you to find a new motor insurance provider to buy the best car insurance online policy for your car.

Once you make the decision to leave your current car insurance company in behind and move on, you need to keep your requirements in mind when you compare car insurance online. To locate the best car insurance in India for your car, you need to ascertain what exactly you seek in the new online car insurance plan. For an example, you might need towing facility or daily cash allowance or any other benefit for that matter, so you have to compare car insurance online accordingly. Best car insurance in India offers extensive coverage for a reasonable premium. You should also keep a close eye on deductible, exclusions of the policy to ensure hassle-free claim settlement and to enjoy comprehensive coverage for your car.

Finding the best car insurance for your car is not too hard if you spend good time and make the right efforts. When you compare car insurance online, if you find a better vehicle insurance plan, you need to do some research on the provider of that online car insurance plan in India. The performance of the motor insurance company over the years, financial strength, claims settlement ratio and time taken to resolve grievances of the customers need to be taken into consideration. The merit of your chosen online insurance plan for your car also needs to be evaluated before you get your vehicle insurance renewal done with it. You can go through reviews of the customers and can ask your friends and relatives who have bought those online car insurance plans for their cars. Value-added services associated with the selected online insurance plan for car like insurance renewal reminder, customer service round the clock also need to be taken into account.

In a nutshell, you are going to invest your hard-earned money to buy best car insurance plan for your car. So you have to be completely sure about your new choice when the time for your vehicle insurance renewal comes.

Once you have selected the best car insurance cover for your car, the only task remains for you is to buy online insurance for car on your vehicle insurance renewal. You have to ensure that you buy the new motor insurance plan for your car before the expiry of your current online car insurance policy to avoid any gap in the coverage. Once you buy the new cover, you have to discard the previous vehicle insurance plan and discontinue with your previous insurer officially.

If you choose to buy online car insurance you can garner a lot of benefits. Here are the advantages of going for online insurance policies designed for cars.

If you decide to buy online car insurance plan, you can save a lot of time because online insurance plans for cars are issued instantly. You can visit the portal of your chosen vehicle insurance provider anytime and from anywhere or you can even buy online insurance for car on the go using car insurance apps.

Since you can buy car insurance online anytime, even if you fail to get your vehicle insurance renewal done during office hours on the last day, you can get it done at night online when brick and mortar offices of car insurance companies closes down. When you make the payment online to buy car insurance plan for your car, the new policy copy will be issued instantly and send to you via email. You can carry the soft copy in your smart phone while driving your car or you can get the print-out and keep a hard-copy of your motor insurance policy in your car.

With the increasing penetration of internet in India, most car insurance companies now boast a robust online presence. You can compare car insurance online plans from best car insurance providers in India and finally select the best car insurance for your car online.

Being India's premiere online insurance marketplace, GIBL facilitates car owners in India with easy and fast comparison of online car insurance covers by providing all available online insurance policies for cars on one platform so that they can buy the best car insurance in India for their cars. GIBL offers the following benefits when you buy online insurance for car or want to get your car insurance renewal done for your car.

  • Availability of best car insurance plans available in India at a competitive rate
  • Latest information on deals and discounts so that car-owners can save money when they buy online insurance for car or at the time of their vehicle insurance renewal.
  • Scope to compare car insurance online in details by going through benefits and disadvantages of each motor insurance policy on offer
  • Availability of several different services by motor insurance experts at GIBL.IN such as free consultation for selection of the best car insurance in India, claim support and car insurance renewal reminder service.
  • The facility to renew and buy car insurance online instantly.

Personal accident coverage is available in a third party liability car insurance plan to protect car insurance policyholders' liabilities to third party. However, accidents to passengers of the insured car are not covered in the third party liability motor insurance plan.

A comprehensive online car insurance plan, on the other hand, protects the driver and owner of the insured car in case of personal accidents. Some providers of online insurance for cars in India extend this personal accident coverage to the passengers and paid driver of the insured car.

Your mandatory third party car insurance plan offers personal accident coverage to third party. Personal accident coverage to driver and passengers of the insured car is available with a comprehensive motor insurance plan.

A zero depreciation plan is essentially an add-on motor insurance plan that needs to be taken separately along with a regular vehicle insurance plan. A comprehensive online car insurance plan in India doesn't take depreciation into consideration and hence, doesn't pay out the full amount of a damaged car part. Some specific parts of a car such as nuts and bolts are excluded from the coverage of a comprehensive motor insurance policy. Armed with a zero depreciation add-on cover, you can avail full monetary compensation for all those parts of the car that a regular comprehensive online insurance plan for car doesn't cover. However, the zero depreciation cover is available only for brand new cars up to five years old. Owners of the insured car can make a maximum of two claims in a particular policy year. This is one of the most sought-after motor insurance add-on covers in India as most new car owners tend to buy it.

The term Telematics is used for the whole gamut of devices and technology that receive, store and send various information from any vehicle on the move. In Telematics Insurance, drivers' data is collected to evaluate their performances. If you opt for Telematics insurance, you can regulate your car insurance premium on your own. The premium of regular vehicle insurance is worked out on the basis of location and other factors and all car drivers have to comply with that. With the advent of Telematics insurance, you can reap rewards for your good driving habits.

At present, Telematics insurance is available with only Bajaj Allianz. In its 'Drive Smart' campaign, Bajaj Allianz has launched Telematics insurance. You can buy this type of motor insurance in India from Bajaj Allianz or you can opt for Telematics insurance at the time of your insurance renewal of car online.

Telematics Insurance doesn't solely aims to reduce motor insurance premium but also inculcates safe driving habits in owners of the insured car. Drivers can also evaluate their driving style and make changes for the better with the help of the data received by the Telematics devices and get financially rewarded by their Telematics Insurance in the process.