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Driving Uninsured Is Illegal in India
Under the Motor Vehicles Act, every vehicle on public roads must carry a valid Third Party insurance policy. The penalties for non-compliance are enforced strictly — and have been enhanced significantly.
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Our Insurance Partners
We compare quotes across all these insurers to find you the best deal
We Provide Exactly The Add-ons You Need.
No two cars are the same, and neither are your driving habits. Your perfect insurance policy is entirely dependent on what you need and what your vehicle type is.
We don't push generic packages. Whether you need Engine Protect for monsoons, or Return to Invoice for your brand new luxury sedan, we guarantee a custom-tailored policy that protects your specific risks — without overcharging you.
Get My Custom Quote
Types of Car Insurance
Choose the right base coverage before adding your custom add-ons
Mandatory Cover
Covers legal liability for injury or property damage caused to a third party. Mandatory by law. Does not cover damage to your own vehicle.
Full Protection
Combines TP + OD in one policy. Covers accidents, theft, fire, natural calamities and third-party liability. Customize with 13+ add-ons.
Own Damage Only
Covers damage to your own vehicle only. Ideal for year 2 and year 3 after a bundled new car policy expires. Must be paired with a valid TP policy.
1+3 and 3+3 Plans Made Simple
For a new car, the right choice depends on your budget and how long you want price stability. We help you choose the right base plan and suggest add-ons that actually make sense.
Lower Starting Cost
1 year Own Damage + 3 years Third Party. Best for buyers who want a lower upfront premium and flexibility next year.
- Lower initial outflow for the first year
- Good for budget-conscious buyers
- Easy to customise add-ons from year one
Longer Lock-in, Less Hassle
3 years Own Damage + 3 years Third Party. Best for buyers who want convenience, long-term clarity, and no renewal stress.
- Helps avoid yearly renewal stress
- Useful if you want longer premium certainty
- One-time setup for the first three years
Consultation Based on Usage
We don't recommend the same add-ons to everyone. A city-run hatchback needs Zero Dep + RSA, while a highway-driven SUV needs Tyre Cover and Engine Protection. Let us tailor it for you.
New Car, Rollover or Used Car?
New Car
- → 3-year TP mandatory (IRDAI rule)
- → Choose 1+3 (1yr OD + 3yr TP)
- → Or 3+3 (3yr OD + 3yr TP)
- → Buy standalone OD from year 2 onwards
Rollover (Renewal)
- → Renew before expiry to protect NCB
- → We compare renewal quotes for you
- → Switch insurer without losing NCB
- → Upgrade or add new add-ons at renewal
Used / Second-Hand
- → Valid insurance needed for RC transfer
- → We help arrange cover quickly
- → Inspection support if required
- → Zero Dep available for cars up to 10 yrs
EV Insurance Should Match How You Drive
EV pricing depends on vehicle value, battery cost, and usage patterns. We help you choose the right cover without bloating your premium.
Protect Your EVEV Pricing Factors
- → Battery replacement exposure
- → Vehicle IDV & model segment
- → Private vs heavier daily running
- → City traffic & waterlogging risk
Best EV Add-ons
- → Zero Dep for expensive parts
- → RSA for charging / breakdowns
- → Electrical protection
- → Return to Invoice for new EVs
Third Party Premium Rates
Fixed by IRDAI — same across all insurance companies (w.e.f. 01 April 2022, excl. GST)
| Engine Capacity | Annual TP Premium | 3-Year (New Car) |
|---|---|---|
| Up to 1000cc | ₹2,094 | ₹6,521 |
| 1000cc – 1500cc | ₹3,416 | ₹10,640 |
| Above 1500cc | ₹7,897 | ₹24,596 |
GST @ 18% applicable. Rates as per IRDAI circular effective 01 April 2022.
Tailor Your Add-ons
We provide all the add-ons you need. Let us help you select what actually matters for your car.
Zero Depreciation (Nil Dep)
Full claim value on parts — no depreciation cuts. Available for cars up to 10 years. 2 to unlimited claims per year.
Return to Invoice (RTI)
Get the original invoice value of your car in case of total loss or theft — including registration and road tax.
Engine & Gearbox Protect
Covers damage to engine and gearbox due to water ingression — critical in flood-prone areas.
Roadside Assistance (RSA)
24/7 towing, flat tyre, fuel delivery, battery jump-start and locksmith support anywhere in India.
Consumables Cover
Covers cost of nuts, bolts, engine oil, coolant and other consumables replaced during repairs.
Personal Accident for Passengers
Additional PA cover for unnamed passengers travelling in your car beyond the mandatory owner-driver cover.
Coverage at a Glance
What's Covered
- Accidental damage to your car
- Theft or total loss of vehicle
- Fire and explosion damage
- Natural calamities — floods, earthquake, cyclone
- Third-party bodily injury and property damage
- Personal accident cover for owner-driver (₹15 lakh)
- Man-made calamities — riots, strikes, vandalism
What's Not Covered
- Driving under influence of alcohol or drugs
- Driving without a valid licence
- Mechanical or electrical breakdown
- General wear and tear over time
- Damage outside India (without endorsement)
- Consequential or indirect loss
- War, nuclear risk or radioactive contamination
What Customers Say
Simple advice, right pricing, and add-ons that fit actual usage.
"I was confused between 1+3 and 3+3 for my new car. They explained the price difference and suggested only the add-ons I actually needed."
"For my EV, they did not oversell. They focused on battery-related risk, roadside help, and practical cover for daily city usage."
"Best part was the consultation. They asked how I use my car and then recommended the right add-ons instead of pushing a costly package."
Beyond the Policy — We're With You
Claim Support
We contact the insurer on your behalf, guide you through documentation and follow up until your claim is settled.
Endorsement Assistance
Need to change your address, add a CNG kit or update nominee details? We handle all policy endorsements for you.
RC Transfer Insurance
Selling or buying a used car? We arrange the insurance in the new owner's name — mandatory for RC name transfer.
Renewal Reminders
We remind you before your policy expires so you never lose your No Claim Bonus (NCB) due to a lapsed policy.
How It Works
Share Your Details
Call or WhatsApp us with your car registration number and current policy (if any). Takes under 2 minutes.
We Compare & Advise
We pull quotes from 11 insurers and recommend the best plan for your budget and needs — honestly, without bias.
Get Your Policy
Pay online and receive your policy document instantly on email and WhatsApp. We handle all paperwork.
Got Questions?
Frequently Asked
Questions.
Everything you need to know about your coverage, renewals, and claims.
What is the difference between Third Party and Comprehensive car insurance?
What is Zero Depreciation (Nil Dep) cover and who should buy it?
What is Return to Invoice (RTI) add-on?
Can I insure a used or second-hand car?
What is the 1+3 or 3+3 plan for new cars?
How do you help with claims?
Still have questions? Talk to an advisor
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Honest advice from your insurance expert. Compare 11 insurers in minutes.
Mon–Sat 10am–8pm · +91 8777387006 · India