Private Car Insurance

Car Insurance is an obligatory requirement that every car in India should have to ply on the Indian roads. When you opt for car insurance, you pay a premium price to the insurer to get coverage against various damages and unforeseeable circumstances. The Indian government has made third-party car insurance mandatory for every vehicle to take care of third-party liabilities including damages to third-party vehicles, property, and life that may be affected due to a collision caused by your car.  Besides, you can also opt for Own-Damage Car insurance or Comprehensive Car Insurance policies to cover the damages caused to your car in an accident or otherwise. Comprehensive car insurance will cover your car against fire, theft, accidental damage, damages caused to your car due to natural calamities or man-made disasters, and so on.

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Highlights of Private Car Insurance Plans

Covers third-party liabilities
Covers in-transit damages to the insured car
Covers both natural and man-made disasters
Covers damages arising out of external means

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If you have any questions on how to choose the best insurance plan, you can connect with our IRDAI certified insurance advisors.

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Private Car Plans Claim Procedures

Below the are steps to raise a cashless claim:

Step 1
Inform your insurance provider immediately about the damage caused to your car.
Step 2
Take your vehicle to the nearest authorized network garage
Step 3
Submit documents Submit the required documents.
Step 4
Share the repair estimate with the insurance company.
Step 5
The insurance company may appoint a surveyor to review the claim
Step 6
Once the insurer approves the claim, the insurance company will settle the expenses directly with the garage.
Step 7
The policyholder may have to pay the deductible as per the terms of the insurance coverage
Step 8
The policyholder can collect the car from the network garage once the repairs are done
Step 1
Inform your insurance provider immediately about the damage caused to your car.
Step 2
Take your vehicle to the nearest authorized network garage
Step 3
Submit documents Submit the required documents.
Step 4
Share the repair estimate with the insurance company.
Step 5
The insurance company may appoint a surveyor to review the claim
Step 6
Once the insurer approves the claim, the insurance company will settle the expenses directly with the garage.
Step 7
The policyholder may have to pay the deductible as per the terms of the insurance coverage
Step 8
The policyholder can collect the car from the network garage once the repairs are done

Below the are steps to raise a cashless claim:

Step 1
Inform your insurance provider immediately about the damage caused to your car.
Step 2
Take your vehicle to the nearest garage/workshop for repair
Step 3
Get an estimation of the repair cost from the garage
Step 4
Submit the required documents like a claim form, driving license, a copy of your insurance policy, etc.
Step 5
The insurance company may appoint a surveyor to review the claim
Step 6
Once the claim is approved, you can proceed with the necessary repairs at the garage
Step 7
After the repair work is done, make the payment to the garage and collect the invoices and receipts.
Step 8
Submit these documents to your insurer for reimbursement within the set time frame to get the money reimbursed
Step 1
Inform your insurance provider immediately about the damage caused to your car.
Step 2
Take your vehicle to the nearest garage/workshop for repair
Step 3
Get an estimation of the repair cost from the garage
Step 4
Submit the required documents like a claim form, driving license, a copy of your insurance policy, etc.
Step 5
The insurance company may appoint a surveyor to review the claim
Step 6
Once the claim is approved, you can proceed with the necessary repairs at the garage
Step 7
After the repair work is done, make the payment to the garage and collect the invoices and receipts.
Step 8
Submit these documents to your insurer for reimbursement within the set time frame to get the money reimbursed

All That You Want to Know Before Buying Insurance

A Comprehensive Car Insurance Policy is the best for a private car as it covers third-party liabilities and damages as well as the damages caused to your car. It thus ensures complete protection of third-party vehicles and the insured vehicle in case of an accident or collision on the road. Further, it allows compensation to the family members if the accident causes any death of the third party or the policyholder.

A private car insurance policy offers coverage from third-party liabilities as well as covers damages caused to the insured car because of accidents, fire, floods, earthquakes, strikes, and riots. It also covers the loss and theft of cars. Further, it offers a personal accident cover for the owner-driver of the vehicle.

Third-party car insurance is the most cost-effective car insurance policy that can be availed by a car insurance policyholder. However, this policy only offers coverage to third-party vehicles, and the insured car is not covered at all.

Damages that are not covered under a private car insurance policy include:

  • Wear and tear of the insured car
  • Mechanical/electrical breakdown
  • Damages caused to tyre and tube
  • Damages caused to the gearbox and engine

Find your suitable insurance plan. Speak to our expert advisor

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