Key features and benefits

  • Extensive coverage at low premiums

    Extensive coverage at low premiums

    Our insurance partners offer a host of affordable car insurance policies that provides comprehensive coverage against own and third-party damage and the convenience of cashless repairing. Premiums start from as low as Rs. 2,762*.

  • Cashless car repairing at 6,500+ garages 

    Cashless car repairing at 6,500+ garages 

    Get your car repaired at any of the 6,500+ partner network garages across India without paying in cash.

  • Personal accident cover

    Personal accident cover

    Get a personal accident cover of up to Rs. 15 lakh for the owner-driver in case of accidental injuries, disabilities or death.

  • 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 a lot of 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 cover

    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 financial liabilities that may arise towards a third party or own-damages to your car due to a road accident or any other unfortunate event.

How is car insurance premium calculated?

The premium price of third-party car insurance plans is determined by the IRDAI, whereas the premium for standalone own-damage and comprehensive plans vary from insurance company to insurance company. Following are some factors which 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 with time due to wear and tear. The depreciation rate plays a vital part in a car insurance policy as insurance companies consider, based on the car’s age, to determine the value they agree to provide for your car.

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 due to an accident, theft, fire, natural calamities like earthquake, flood, etc., and man-made disasters such as riots, strikes, and so on.

What is Zero Depreciation in a car insurance policy?

Zero Depreciation is an add-on cover in car insurance that make the insurance company pay the complete amount of claim to the policyholder without taking the depreciation cost on 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 a car insurance policy?

Insured Declared Value (IDV) in car insurance is the maximum sum insured set by the insurance company to offer to policyholders in case of theft or total loss of the insured car. IDV is the present market value of the car and if your car suffers total loss, the IDV will be provided as compensation.

What is a cashless claim in car insurance?

A cashless car insurance claim is designed to provide you with instant aid after an accident or any unfortunate event and helps you avoid paying any repair costs. However, the cashless car insurance claim can be availed only when your car is sent for repair to a network garage of your insurance provider.

What is a 'No Claim Bonus' in vehicle insurance?

A policyholder receives a No Claim Bonus (NCB) if they haven't 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, the insurance plan can be transferred to a new insurance provider, but NCB can't be transferred. The new buyer is responsible for paying the outstanding balance. The NCB can be used by the car's original/ former owner when acquiring a new vehicle.

Would my no claim bonus be migrated if I changed my motor insurance policy provider?

Yes, if the policyholder changes their motor insurance carrier at the time of renewal, they are eligible for the NCB. All you'd have to do is show verification of the NCB you've earned from your existing insurance provider. You can show an authentic copy of your expired policy and certification showing you haven't filed a claim against the (expiring) insurance plan. Proof of this can be found in a renewal notification or a letter from your former insurance provider stating that you are eligible for the NCB.

What is a deductible in motor insurance?

The deductible is the amount that must be paid out of pocket if a claim is filed. Generally, there is a standard or mandatory deductible for most automobiles, such as two-wheeler vehicles or cars and commercial vehicles like trucks. It depends on the carrying capacity or cubic capacity of the vehicle. However, in some situations, the insurance carrier may impose a larger deductible based on the vehicle's age or the frequency with which the claims are filed.

Is car insurance mandatory in India?

As per the Indian Motor Tariff, every car owner in the country is compulsorily required to own at least a third party car insurance cover. Absence of a valid third party car insurance plan is a punishable offence which 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/Four Wheeler Insurance is an agreement between an insurance company and a car owner under which the former provides an insurance cover to the policyholder for financial damages incurred by his/her car in unforeseen events. Depending on the coverage, there are three types of car insurance plans – third partythird-party car insurance policy, standalone own-damage car insurance and comprehensive car insurance policy. Car insurance renewal online process provides instant e-Policy.

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Insurance is the subject matter of solicitation. 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, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and ManipalCigna 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. Visitors are hereby informed that their information submitted on the website may 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, 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 value added service provider or Assistance 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.