What is Car Insurance?

• Affordable plans with multiple add-ons
• Speedy claim process with minimal documentation
• No Claim Bonus
• On-time customer service and roadside assistance
• Personal injury and property damages protection for third-party liability

The cost of car insurance in India is determined by the type, age, and location of the car, as well as the coverage is chosen. The third-party liability premium is based on the engine capacity.

Yes, all new cars sold in India must be insured for third-party liability for three years. The regulation was implemented in 2018 and aims to promote road safety by ensuring that all vehicles are adequately insured.

A number of factors influence the cost of car insurance, such as car's age, make and model, location, and the coverage you select.

Depending on your insurer's terms and conditions, you may be able to add zero depreciation to your car insurance up to 5 years. While some insurers allow you to add this coverage at any time, a few insurers provide this as an add-during your vehicle insurance renewal

It's a 3 step process:

1. Get a copy of your vehicle insurance by visiting the official website of the insurance company.

2. Log in by entering their policy number

3. You will be able to download duplicate policy documents after logging in.

New car insurance is valid for up to 3 years for the third-party insurance, and 1-year for the Own Damage (OD) Cover. After the expiration of the policy, it must be renewed to continue receiving coverage. It's important to keep track of the policy expiration date and renew it in a timely manner to avoid any lapse in coverage.

Without zero depreciation coverage in your car insurance policy, you may have to pay for any repairs or replacement parts for your vehicle that have depreciated over time. The result is that you may have to pay out of pocket more in case of an accident or damage.

A zero depreciation policy may be applicable for a period of one to five years, depending on the insurer. Your insurance provider should inform you about the duration of the coverage and any terms and conditions that may apply.

To determine if your insurance policy includes zero depreciation, check the policy documents or contact your provider. In the policy documents or premium receipt, the add-on cover is usually mentioned separately. The premium for policies with zero depreciation is usually higher than those without.

Visit the website of your insurance provider and login to your account to download your car insurance policy copy online in India. Then, choose the option to download the policy copy, which will be in PDF format. If you would like a copy sent via email or courier, you can request it.

There is no legal requirement for comprehensive car insurance in India. According to the Motor Vehicles Act of 1988, all vehicles must carry third-party liability insurance. A comprehensive insurance policy offers coverage for damage to your own vehicle as well as third-party liabilities.