4 Wheeler insurance

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Accidents are unforeseen and can happen at any time but the cost of repair can burn a big hole in your pocket. However, with car insurance, you can protect yourself from the financial loss that may result due to damage to your vehicle due to accidents, robbery, weather events, or natural disasters. 

According to the recent study of the Insurance Information Bureau (IIB), only 6.5 to 7 crores of vehicles plying in India have a valid insurance plan as against 18 crores registered vehicles.

What is Car Insurance?

Car Insurance is an agreement between the insurance company & the car owner. The car owner pays premiums & the insurer covers for loss or damage.

Why do I need Car Insurance?

If you own a car in India, having third-party insurance is a must regardless of whether it is a commercial vehicle or a personal vehicle.

What kind of Policy  is Mandatory by Law?

At times, you may end up hurting others or damaging others property in an accident. A third party insurance policy can covers liabilities. That’s why it’s crucial to buy & renew your policy on time.

What other Add-ons can  I buy to get Enhanced Protection?

A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary.

Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.

Benefits of Car Insurance Policy

Pay now so that you can Save Later


A car accident can be a costly affair. The premium amount that you pay towards your motor insurance is like an investment that you make to help you avert costly damages in the future.

Protect yourself, Protect others

With appropriate four-wheeler insurance, you not just cover your vehicle but also protect your family, the passengers and also the other drivers and property. When you meet with an accident, car insurance will take care of the costs that will arise.

Be a Responsible Citizen


Having a car insurance policy is mandated by the law. Being a law-abiding citizen saves you from penalties and other legal impediments. The motor insurance will also pay for lawsuits that arise due to the accident.

Peace of Mind


No matter how good a driver you are, an accident may not always be avoided. Then there are also factors like vehicle theft, floods, landslides, earthquakes, or riots, bomb-blasts, etc. that can damage your vehicle. With the right car insurance, you can have the satisfaction that in case something goes wrong, your monetary loss will be covered.

Other Benefits

There are multiple add-on benefits that can enhance the cover of your motor insurance. Some of the most popular add-on benefits that are available with car insurance plans in India are:

  • Engine Protection Cover
  • Zero Depreciation Cover
  • Consumable Cover
  • Key Protection Cover
  • Daily Allowance
  • No Claim Bonus

Choose from 3 types of Car Insurance

What is  Covered?

Comprehensive

Comprehensive insurance offers 360-degree car protection.
It provides complete cover against third-party/person.

Third-Party

A third party car insurance only provides cover against damages incurred to a third person or property.

Own Damage

OD Car Insurance provides insurance coverage only for the accidental damages sustained by a car.

Third-Party Vehicle Damage
yes
yes
no
Third-Party Property Damage
yes
yes
no
Own Vehicle Damage
yes
no
yes
Vehicle Theft 
yes
no
yes
Fire Damage
yes
no
yes
No Claim Bonus
yes
no
no
Cashless Claim 
yes
no
no
Damage from  Natural Calamities
yes
no
yes
Personal Accident Covered
yes
yes
yes
Engine ProtectionThrough add on
no
no
Zero Depreciation CoverThrough add on
no
no
NCB Protection Through add on
no
no
Invoice CoverThrough add on
no
no
 

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What is Covered in Car Insurance Policy? 

Accident

Any damages to your car due to accident

Theft

Loss incurred due to theft or burglary is covered.

Fire

If your car catches fire, resulting from self-ignition, explotion or lighting

Calamities

Any damage due to natural or man made causes like floods, earthquake, riots etc.

Third Party Losses

Death, injury or property damage to any third party arising from your car.

Consumables

Any damages to engine parts, gear box etc. arising due to water ingression, oil leakage or hydrostatic lock.

What is Not Covered in Car Insurance Policy?

Even if you have a comprehensive four-wheeler insurance policy, there are certain circumstances under which you would not be able to make a claim. These are called ‘exclusions’ in car insurance and following are the exclusions:

Drunken Driving

No insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened

Unauthorised Driving

Your claim will be rejected if the driver is without a valid Driver’s License

Deliberate Accident

If the accident has been caused purposely, the claim will be rejected

Malicious Use

If the car was damaged while using it for any anti-social/ illegal activity

Consequential Damages

Consequential damages that are caused after the accident are not covered under insurance

Negligence

An accident because of your own negligence, you won’t be able  to claim the damages

Depreciation

Damages that are caused because of normal wear and tear, Mechanical or electric failure due to travelling

Expired policy

If the policy has lapsed, your damages will not be covered

Excluded Add-On

You will not be able to claim the benefits that you do not have in your plan

How to claim your damages

The process of claiming four-wheeler insurance is a simple one, on the condition that you follow all the guidelines issued by the insurance company carefully. In case you have had a car accident, follow these steps and get the claim easily without any undesirable iterations and delays.

Inform the Motor Insurance company
You need to inform the insurer as early as possible about the accident and the claim. You can do this through the agent or Customer Care
File a MCR
In order to claim for an accident, you need to file a Motor Collision Report at the nearest police station
Inspection by the Company
A company surveyor would visit the site to make an assessment of the damage. A report would be submitted by him to the company.
Claim Settlement
Based on the report of the surveyor from the insurance company who inspects your vehicle, an estimate of the repair charges will be made and the repair work can then begin.

The following documents will be required when you request for the car insurance claim

  • Duly filled Policy Claim Form
  • Company Policy Papers
  • Copy of Driver's license
  • Copy of RC of the car
  • The ID of the claimant
  • Copy of the MCR

Car Insurance claims can either be Cashless or on Reimbursement

Cashless Claim

For a cashless claim, once the surveyor submits a report for the estimated cost of repair of the damage, the insurance company will settle the amount directly with the garage. The garage needs to be a part of the network garages of the insurer in order to process a cashless car insurance claim.

Reimbursement Claim

For a reimbursement claim, once the surveyor submits a report for the estimated cost of repair of the damage, you can get the repair work done and initially pay the same from your pocket. Then the original bills and receipts need to be submitted at the insurance company along with the claim form in order to get a reimbursement of the amount paid towards the repair work.
For a reimbursement claim, the garage need not be a part of the network garages of the insurer.

How to renew your lapsed or expired policy

If your car insurance policy has already expired, then your vehicle needs to be surveyed by the official surveyor of the insurance company before the policy is revived. This is because, all accidental damages during the lapsed tenure, would not be covered in the plan. Based on the report of the surveyor, the insurance company will decide whether to renew the plan or not. 
Thus, make sure you always renew your car insurance policy on time so as to get maximum coverage benefits and save yourself from the hassle of a survey for revival.

  • An authorised ID proof (Passport/PAN Card/Adhaar card)
  • Driver's license
  • Policy number and papers
  • RC of the Vehicle

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