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Key features and benefits

  • Extensive coverage at low premiums

    Extensive coverage at low premiums

    Our insurance partners offer a host of car insurance policies that offer comprehensive coverage against own and third-party damage and the convenience of cashless repairing. Premiums start from as low as Rs. 3,031*.

  • Cashless car repairing at 6,500+ garages

    Cashless car repairing at 6,500+ garages

    Repair your car across 6,500+ partner network garages in India without having to pay in cash.

  • Personal accident cover

    Personal accident cover

    Get personal accident coverage of up to Rs. 15 lakh in case of accidental injuries, disabilities, or death. This coverage is applicable for the owner-driver of the vehicle.

  • Buy insurance without paperwork

    Buy insurance without paperwork

    No need to fill out physical forms or submit a list of documents to insure your car.

  • Avoid claim deductions due to depreciation

    Avoid claim deductions due to depreciation

    The zero-depreciation add-on covers the depreciation of car parts so that you can claim insurance without any deductions for depreciation.

  • No claim bonus up to 50% of premium

    No claim bonus up to 50% of premium

    Save up to 50% on your insurance premium while renewing your car insurance policy.

  • Engine protection add-on cover

    Engine protection add-on cover

    Covers the repair/replacement cost of the car's engine. In a city with heavy rainfall, this is an add-on you must carry.

  • Roadside assistance

    Roadside assistance

    This add-on coverage gets you 24x7 roadside assistance for a diverse range of car issues.

  • Key replacement cover

    Key replacement coverage

    This add-on benefit covers your expenses incurred for replacing a lost or misplaced car key and lockset.

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Frequently asked questions

What is the benefit of buying a car insurance plan?

Owning a car insurance policy offers a variety of benefits. Firstly, it helps you meet the legal requirement of owning at least a third-party car insurance cover. Moreover, a car insurance policy helps you meet own or third-party damages due to a road accident or other unfortunate events.

How is car insurance premium calculated?

IRDAI determines the premiums of third-party car insurance plans. Whereas the premium from insurance company to insurance company. Following are some factors that affect the premium for own-damage four-wheeler insurance cover:
1. Insured declared value (IDV)
2. Make and model of the car
3. Deductibles
4. Seating capacity
5. Cubic capacity
6. Previous insurance history
The type of coverage has an impact on the premiums. Do compare insurance premiums to obtain the best deal. The IRDA decides third-party premium amounts.

What is depreciation in car insurance?

Depreciation in car insurance refers to the loss of the insured car’s value due to wear and tear. The depreciation rate plays a vital part in a car insurance policy. Insurance companies determine the value that they agree to provide for your car based on the car’s age and depreciation.

What are the risks covered by the comprehensive car insurance policy?

Comprehensive car insurance gives coverage to your third-party liabilities in addition to the damage sustained by your car. The damage could be due to an accident, theft, fire, natural calamities, and man-made disasters.

What is Zero Depreciation in a car insurance policy?

Zero Depreciation is an add-on cover in car insurance. It makes the insurer pay the complete claim amount without taking the depreciation of the parts of the car into consideration. Since it is an add-on, you will have to pay a little extra premium to avail of it.

What is Insured Declared Value (IDV) in car insurance policy?

Insured Declared Value (IDV) is the maximum sum insured set by the insurer for theft or total loss of the insured car. IDV is the present market value of the car. If your car suffers total loss, you will receive the IDV as compensation.

What is a cashless claim in car insurance?

A cashless car insurance claim provides you with instant aid after an accident or any unfortunate event and helps you avoid paying any repair costs. However, this claim is only applicable when you repair your car at a partner network garage.

What is a No Claim Bonus in vehicle insurance?

A policyholder receives a No Claim Bonus (NCB) if they have not filed any claims throughout the insurance period. The comprehensive insurance plan in India varies between 20-50%, according to current laws. A third-party motor insurance plan does not qualify for the NCB. At the time of the vehicle transfer, you can transfer the insurance plan to a new insurance provider, but not the NCB. The new buyer is responsible for paying the outstanding balance.

Would my no claim bonus be migrated if I change my policy provider?

Yes, if the policyholder changes their motor insurance carrier at the time of renewal, they are eligible for the NCB. All you would have to do is show verification of the NCB you have earned from your existing insurance provider. You can show an authentic copy of your expired policy and certification showing you have not filed a claim against the (expiring) insurance plan.

What is a deductible in motor insurance?

The deductible is the amount that you need to pay out of your pocket while filing a claim. Generally, there is a standard or mandatory deductible for two-wheelers, cars, and commercial vehicles. It depends on the carrying capacity or cubic capacity of the vehicle. However, the insurance carrier may impose a larger deductible based on the vehicle's age or the frequency of filing claims.

Is car insurance mandatory in India?

As per the Indian Motor Tariff, every car owner in the country must own a third-party car insurance cover. Absence of a valid third-party car insurance plan is a punishable offence. It attracts a fine of Rs. 2,000 and/or imprisonment of up to 3 months for the first offence.

What is a car insurance policy?

Car Insurance is an agreement between an insurance company and a car owner. As per the agreement, the insurer provides an insurance cover for financial damages incurred by the insured car. There are three types of car insurance plans – third-party car insurance policy, own-damage car insurance and comprehensive car insurance policy. Car insurance renewal online process provides instant e-policy.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

T&C Apply.*Premium indicated is exclusive of taxes for third-party coverage of four-wheeler up to 1000 CC. Premium may vary based on the specification of the vehicle.