Car Insurance

Owning a car can be liberating but it is an expensive asset and hence needs to be insured. If your vehicle endures any kind of damage, buying car insurance can take care of associated repair costs.

 

So why is it important to purchase car insurance? Firstly it covers all the legal aspects and offers a solid financial backup that covers all the repair expenses incurred by your own vehicle. Secondly, it acts as a personal safety net and finally secures you and your vehicle against all natural and man-made calamities. The best car insurance plans in India are offered by Bajaj Allianz Car Insurance, Acko Car Insurance, and HDFC Ergo Car Insurance.

 

✓Save 80% on Premium ✓Zero Depreciation & Accessories Cover ✓Lock & Key Replacement Cover| Buy a Car Insurance Now!

Did you know that car insurance is mandatory under the Motor Vehicles Act, 1988? In simple terms, a car insurance policy safeguards your four-wheeler against various mishaps that may occur on the road. Such a cover keeps you in compliance with the law and financially protects your vehicle in the event of damage. While a basic third-party four-wheeler insurance plan only secures the loss caused to a third person, you would need comprehensive car insurance to avail coverage for your own vehicle. Let’s further deep dive into the importance of four-wheeler insurance and how to opt for one.

Why is Purchasing/Renewing Car Insurance Important?

Here are the main reasons on why car insurance policy is a necessity:

  • Covers Legal Aspect

As you may already know, car insurance is mandated under the Motor Vehicles Act, 1988. Thus, purchasing one enables you to drive legally on public roads in India without attracting a penalty.

  • Offers Financial Backup

With a comprehensive car policy, you no longer need to cover the repair expenses incurred by your own vehicle! Four-wheeler motor insurance covers the accidental damage caused due to an untoward incident.

  • Covers Third-Party Liabilities

From damage caused to third-party property to any accidental injuries sustained by the victim, third-party liabilities are covered in case of an accident.

  • Provides Personal Accident Cover

In the event of an unfortunate mishap, the treatment cost of any bodily injuries that you may sustain shall be secured under the compulsory personal accident cover.

  • Secures Against Calamities

Natural and man-made calamities come uninvited and may cause major damage to your car. With the right car insurance plan, you can rest worry-free!

 

Can you imagine your vehicle incurring damage due to an unforeseen mishap? Without the safety net of four-wheeler insurance, you shall have to shoulder the financial burden of repair and replacement expenses. However, the best car insurance policy ensures monetary backup during such times and compensates for the loss caused to your prized possession. Let’s go through the best car insurance in India available on Bajaj MARKETS.

Best Car Insurance Plans in India for 2022

Car Insurance Provider

Incurred Claim Ratio (2020-21)

Premiums Starting at*

 

Buy Plans

 

Bajaj Allianz Car Insurance

68.06%

Starting from ₹2094**

Acko Car Insurance

82.35%

Starting from ₹2094**

HDFC ERGO Car Insurance

70.02%

 

Starting from ₹2094**

 

Disclaimer: *The premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car policy.

How to Buy Car Insurance Online

Step 1: Go to the ‘Car Insurance Premium Calculator’ page.

 

Step 2: Fill in the required details such as the vehicle type, car number, your mobile number, etc. and proceed.

 

 

Step 3: Enter your vehicle details such as the make and model, fuel type, manufacturing and registration date, etc.

 

 

Step 4: Select the type of coverage you want to purchase, the NCB bonus from your previous policy and the Insured Declared Value. Moreover, you can opt for additional coverage with add-on covers.

 

 

Step 5: Choose a suitable car policy and go through the policy details before proceeding.

 

 

Step 6: Enter your details like your name, date of birth, email ID, address, etc. and proceed.

 

 

Step 7: Enter your vehicle details like engine number and chassis number.

 

Step 8: Now, you must enter the details of your previous car insurance policy.

 

Step 9: The page shall display all the information that you have entered, so go through it to ensure the details are accurate.

 

 

Step 10: Finally, select a suitable payment option to safeguard your vehicle with car insurance.

 

 

Step 11: After successful payment, your car insurance policy document will be issued soon!

How to Renew Car Insurance Online

Step 1: Go to the ‘Car Insurance Renewal’ section on the insurer's website

 

Step 2: Enter the information required on the page

 

Step 3: Enter your vehicle details, such as make and model, fuel type, etc. and proceed.

 

Step 4: Now, select the type of coverage, policy expiry date, add-on covers and No Claim Bonus reward.

 

Step 5: Go through the policy details and proceed to renew your car insurance plan.

 

Step 6: Next, you must enter your personal details, vehicle-related information and previous policy details.

 

Step 7: Finally, make the premium payment online.

 

Step 8: Your renewed car policy document shall be issued soon!

 

Read More: What is Car Insurance Renewal?

Types of Car Insurance Plans in India

Now that you have understood the step-by-step process to buy/renew four-wheeler insurance online, let’s move to the next section. Did you know that there are following types of four-wheeler insurance policies to choose from? Here are the details:

  • Third-Party Car Insurance

A third-party car insurance cover is a basic insurance plan. It covers the damage incurred by third-party property or any injuries caused to the victim due to your insured car. Moreover, third-party insurance is mandatory as per the Motor Vehicles Act, 1988, and can result in a penalty or imprisonment if you do not have a valid policy. The plan also includes a personal accident cover to protect against any accidental injury, disability or even death of the insured.

  • Comprehensive Car Insurance

A comprehensive car insurance plan is an enhanced cover compared to third-party four-wheeler insurance. It includes both the third-party cover and own damage cover. With complete protection, the cover helps manage legal liabilities and offers extensive financial protection. Although you have to pay a slightly higher premium for a comprehensive plan over a third-party cover, it is worth the investment. Comprehensive car insurance brings together the benefits of third-party coverage, personal accident cover and own damage cover. Any damage due to unfortunate scenarios like natural and man-made calamities or theft is covered under comprehensive insurance.

  • Own Damage Cover

The standalone own damage cover provides coverage against any loss or damage resulting to your own four-wheeler. It offers protection against theft, calamities, disasters, and other perils, excluding third-party liabilities. So, if you already have a third-party insurance plan and want to extend your coverage, standalone own damage cover is the way!

Key Highlights of Car Insurance Plans on Bajaj MARKETS

Highlights

Benefits Offered

Third-Party Cover

Protects against damage to third-party property & accidental injuries

Own Damage Cover

Offered as a standalone cover and comprehensive plan

Personal Accident Cover

Available up to ₹15 Lakh

Add-on covers

Lucrative add-on covers are available to maximise car insurance coverage

No Claim Bonus

Available up to 50%

Cashless Claim Facility

Available at authorised network garages

Why Choose Bajaj MARKETS for Your Car Insurance Policy

Why Choose Bajaj MARKETS for Your Car Insurance Policy
  • Trusted Companion

    Millions of happy customers across India have chosen Bajaj MARKETS as their trusted financial partner. It's your time now!

  • Multiple Offerings

    With multiple offerings for your insurance needs, we help you to make the right choice when it comes to four-wheeler insurance.

  • Hassle-Free Renewal

    With a hassle-free online car insurance renewal process, you can instantly renew your policy!

  • Quick Online Process

    No tedious paperwork! Search for a suitable plan and pay car insurance online with just a few clicks.

  • Tailor-Made Insurance Plans

    With multiple insurance options and add-on covers, Bajaj MARKETS enables you to customise insurance plans as per your needs.

Calculate Your Car Insurance Premium

The car insurance premium price is based on numerous factors such as:

 

  • Type of coverage

  • Insured Declared Value (IDV)

  • Engine’s Cubic Capacity

  • Type and age of the car

  • Add-on covers

 

Here’s the four-wheeler insurance premium formula,

 

Own Damage Premium - (No Claim Bonus + Discounts) + TP Liability Premium

 

You can now estimate and get a premium quote with our easy-to-use car insurance premium calculator! Moreover, the online tool further enables you to compare car insurance price lists for different insurance providers.

Factors Affecting Car Insurance Premium

Age of Vehicle

The age of your car affects the car insurance cost as it helps determine the vehicle's depreciation rate. The depreciation rate and the current market value together form the car's Insured Declared Value or IDV.

Vehicle Make & Model

Although it may not seem likely, the make, model and variant of a car also impact the car insurance premium. Aspects such as the engine capacity, vehicle type, manufacturer, etc., are taken into consideration.

Type of Plan

The type of coverage you opt for has a key role to play in determining your car insurance price. As a comprehensive car policy covers both own damage and third-party damage, the premiums are slightly higher.

Geographic Location

If you are located in areas that are prone to vandalism, you may have to pay a higher premium as a car parked in a dangerous zone is more likely to get damaged or stolen.

No Claim Bonus

For maintaining a claim-free policy year, insurance providers offer a No Claim Bonus or NCB reward on the renewal premium. This reward keeps on increasing for subsequent claim-free years, going up to 50%. Hence, NCB in car insurance can highly impact the motor insurance premium.

Add-on Covers

Add-on covers are a great way to enhance your coverage and are available at a nominal price. Thus, the more add-on covers you opt for, the higher will be the car insurance policy premium.

What’s Covered Under Car Insurance

Aspects that are covered under your car policy are as follows:

 

  • Loss or damage incurred due to natural calamities

  • Any loss resulting from man-made disasters such fire or explosion

  • Third-party liability coverage

  • Personal accident cover

  • Damages incurred due to accidents

  • Theft of four-wheeler

What’s Not Covered Under Car Insurance

Aspects that are excluded from your four-wheeler insurance policy are as follows:

 

  • Regular wear and tear of your car

  • Mechanical or electrical breakdown

  • Damage caused to your car while driving under the influence of alcohol or other intoxicants

  • Loss or damage incurred while driving without a valid driver's licence

  • Damage caused when the policy is inactive

  • Damage or loss incurred during a war-like situation

  • Damage or loss incurred due to malicious activities

Opt for Car Insurance Add-On Covers

If you wish to enhance the scope of your car insurance plans in India, it is possible to do so with add-on covers. However, note that add-ons are only available with comprehensive four-wheeler insurance policies. There’s no facility to add these benefits to a third-party car policy.

 

A few add-on covers to combine with your new car insurance plan are as follows:

  • Personal Baggage Cover

The personal baggage cover secures the loss or damage caused to your personal belongings during an unfortunate accident. Thus, you can have peace of mind when it comes to your baggage!

  • Lock & Key Replacement Cover

Misplacing your car keys or losing them is quite common. However, the replacement cost of car keys as well as the vehicle locks aren’t covered under your policy. You can easily gain coverage with such a key protection add-on while replacing the car keys and locks.

  • Roadside Assistance Cover

Experiencing vehicle issues on a trip isn’t on anyone’s itinerary. Without access to a nearby garage, you may get stuck in the middle of nowhere. But you can ensure emergency help for services like urgent fuel delivery, flat tyre repair, cab services, towing, etc., with 24x7 roadside assistance cover!

  • Engine Protector Cover

The repair or replacement cost of your four-wheeler’s engine can really leave a dent in your savings. Be worry-free when it comes to engine damage caused due to lubricating oil leakage, water seepage or other issues by opting for this insurance rider.

  • NCB Protection Cover

Trying to maintain a claim-free year to avail a No Claim Bonus can be tough, especially if you experience any damage that is beyond your control. The NCB protection cover offers a guaranteed NCB reward by permitting a set number of insurance claims in a single policy year.

 

  • Personal Accident Cover

The compulsory PA cover ensures coverage in the event of accidental death, permanent disabilities, or bodily injuries sustained by the insured car driver.

  • Zero Depreciation Cover

With zero depreciation cover, you can put an end to out-of-pocket expenses resulting from incomplete claim payments due to the depreciation rate of your car. Avail the complete claim amount without any deductions owing to vehicle depreciation now!

 

Third-Party Vs Standalone OD Cover Vs Comprehensive Car Insurance - Comparison

 

Coverage

Third-Party Car Insurance

Standalone Own Damage Cover

Comprehensive Car Insurance

Premium cost

Affordable

More expensive than third-party

Most expensive

Third-Party Property Damage

X

Third-Party Bodily Injuries or Death

X

Loss Caused Due to Fire

X

Loss Caused Due to Natural Calamity

X

Personal Accident (PA) Cover

Own Damage

X

Vehicle Theft

X

Calamities & Disasters

X

Availability of Extra Protection with Add-ons

X

Car Insurance Claim Process

After getting four-wheeler insurance, the next crucial step is to understand how claims can be registered in case a mishap occurs. Typically, car insurance companies offer two types of car insurance claims, cashless and reimbursement claims. For a cashless facility, the insurer directly settles the repair cost with the garage if you opt for a network garage. Whereas for reimbursement claims, you must cover the repair expenses in case you choose a non-network garage. After document verification, the claim amount is reimbursed to your account.

How to File a Car Insurance Claim Online

The claim settlement process is similar across most insurance companies in India. Bajaj MARKETS just makes it even easier for you!

Process for Filing Cashless Claims

Step 1: Inform the insurer and register the claim by calling their toll-free number or by visiting their website.

 

Step 2: Get your car repaired at the nearest network garage.

 

Step 3: Submit all the required documents.

 

Step 4: Once the documents are verified, your insurer will settle the claim directly with the network garage.

 

Process for Filing Reimbursement Claims

Step 1: Inform the insurer about the incident. File an FIR in case of vehicle damage due to a third party or theft.

 

Step 2: Get your car repaired at a preferred garage and make payment.

 

Step 3: Submit the original bills, the FIR and the payment receipt to the insurer.

 

Step 4: Once the documents are verified, your claim amount will be reimbursed.

Documents Required for Claiming Car Insurance

Take a look at the important documents that you need for raising a claim under auto insurance.

 

  • Insurance policy document

  • Vehicle details

  • Insurer personal details

  • Details of the accident specifying the location and the date of the accident

  • FIR copy in case of theft

  • Original bills and receipts of the vehicle repair

How to get a car insurance using Bajaj Markets app

The Bajaj MARKETS app makes buying car insurance a breeze with its simplified process. Here are the steps to get you started:

 

  • Step 1: Enter the details of the car you would like to insure including make, model, vehicle number, etc. along with your personal information

  • Step 2: Get a quote from the representative about the various options available

  • Step 3: Choose a coverage that suits your requirement and budget. Enhance the coverage by selecting add-on covers

  • Step 4: Choose the suitable policy cover

  • Step 5: Upload the requested documents and pay the car insurance premium online

You will receive the insurance policy, shortly after you make the payment. 

Latest Car Insurance News

Mumbai: Over 400 vehicles submerge in floodwaters, stress on need for comprehensive motor insurance

A BMC-operated ‘Pay and Park’ lot was in the news recently after being flooded due to heavy rains, submerging more than 400 vehicles in Kandivali East. The lot was housing auto rickshaws, private vehicles, and Ola and Uber taxis. Sources say most vehicles were completely drowned and some of these have been declared as ‘total loss’. While the BMC has not mentioned anything about compensation to the affected owners, the incident stresses on the need for a comprehensive car insurance plan to protect your vehicle and savings from natural disasters such as floods and man-made disasters like theft or vandalism.

- Jul 20 2021

Can the scrappage policy lower your car insurance premium?

Since 2016, the Government of India has been considering a policy to scrap old vehicles. This includes commercial vehicles that are more than 15-years-old and private vehicles that are more than 20-years-old. The rationale is that such vehicles are an environmental hazard, experience frequent breakdowns, and pose risks of road accidents. This policy draft was notified recently on March 15, 2021.

Vehicle owners who decide to scrap their old motor vehicles will get about 5% of the scrap value and a few favours in road tax and registration costs. The effect of this scrappage policy on car insurance premiums is yet to be seen and will be disclosed after the final draft.

- April 12, 2021

Car insurance rates recover on account of festive spike in car sales

In October 2020, the pick-up in car sales during the holiday season revived the car insurance business with premiums that rose 3 percent year-over-year.

For much of the current fiscal year, premiums were down, dropping 4 percent year-over-year in FY21. Premiums were supported by strong festive demand and a steady improvement in demand and supply rates of freights. Motor prices have risen steadily from the trough levels observed in April and May and are likely to improve further. Rookie players have emerged stronger during the growth of the car insurance industry, while State Bank of India and others have done comparatively better than the most. Among significant players, during the month, new age players like Acko and Go Digit experienced strong growth in the car insurance market.

- January 29, 2021

In the absence of the PUC Certificate, could car insurance claims be rejected? IRDAI explains

IRDAI, the insurance regulator, explained that no application for not having a valid Pollution Under Control certificate can be rejected by a car insurance firm.

The certification shows that the emissions of the vehicle are consistent with normal environmental regulations and are not hazardous to the environment. It is mandatory to bring a valid PUC certification for all vehicles on Indian roads. IRDA relied on the clarification that if there is no legit Pollution Under Certificate at the time of the accident, claims under the car insurance policy are not payable by the insurance provider. However, at the time of the renewal of car insurance, a legit Pollution Under Control certificate is required as a necessary document.

- January 24, 2021

Motor Insurance - FY 21 : Rs. 64,522 Cr premium earned, Rs. 35,519 Cr claims paid

According to India's Insurance Information Bureau, in the fiscal year of 2018-19, the annual report of the motor insurance stated that Indian general insurance companies settled claims of Rs. 35,319 Crore, whereas the total premium that was underwritten was Rs. 64,522 Crore.

One of the biggest lines of businesses continues to be car insurance as insurers nearly share 40% of total underwritten premiums, considered at Rs 64,522 Crore along with a 9% growth rate for the FY 2018-19. For FY19, the total number of policies and distribution of the premiums were very close to the previous fiscal year.

- January 23, 2021

Car insurance must gear up for autonomous vehicles

The mobility sector constantly keeps disrupting with new entrants in the market and developing technologies. Thus, insurance companies must closely work alongside manufacturers to ensure policies and regimes are fit for the required purpose. Car accidents are caused due to human error in more than 90% of the cases. The change to automation offers an optimistic scenario in car insurance as the risk is reduced overall and the number of accidents would drastically decline. Although manufacturers might face an increase in claims to accidents than usual comparatively in the liability of their products, they also benefit from the dip in the number of accident risks

- January 23, 2021. 

 

Timely renewal of motor insurance policies is a must

General Insurance Council, a representative of the insurance companies recently stated that renewing car insurance at the earliest is mandatory. The council stated that the MoRTH letter released on the 24 August that advises the state governments regarding the validity of the motor vehicle papers is with regards to permits, fitness certificates, registration certificates, and driving licenses only. On this ground, the car insurance policyholders must note that the MoRTH letter does not include motor insurance policies like car insurance, which hence, needs to be renewed as per the renewal due for continued validity of the insurance policies.

- January 22, 2021

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Our Car Insurance Partners

  • Bajaj Allianz General Insurance Co.

    Bajaj Allianz General Insurance Co.

    With a great expertise in the insurance sector, Bajaj Allianz General Insurance Co. brings to you, extensive Bajaj Allianz Car Insurance, designed to fit your diverse needs. From offering value for money and customization, you need not look any further!

  • Acko General Insurance Ltd.

    Acko General Insurance Ltd.

    Acko General Insurance Ltd., with its unique approach, marries technology with insurance. It brings to you new-age car insurance plans that are well-designed to fit into your needs and budget too! From customization to affordability, you always have more.

  • HDFC ERGO General Insurance

    HDFC ERGO General Insurance

    Secure your car with HDFC ERGO Car Insurance, and save up to 70% on premium. Not just that, also get the benefit of over 7600+ cashless network garages. So, don’t delay and get HDFC ERGO Car Insurance right now, if you haven’t yet- all on Bajaj MARKETS!

Manage All Your Queries About Four Wheeler Insurance

  • ✔️What is NCB value in car insurance?

    NCB stands for No Claim Bonus, which is a reward offered on the auto insurance renewal premium. However, to avail NCB, the policyholder should not make any claim/s during the policy tenor.

  • ✔️What is zero depreciation in car insurance?

    Zero or nil depreciation is an add-on cover that you can buy separately with your insurance plan. With such an add-on, the insurer won’t make any deductions from the claim amount due to the depreciation rate of your car.

  • ✔️What is third-party car insurance?

    Third-party insurance is a basic cover that safeguards you against damage caused to the third party, bodily injuries or even death of the victim.

  • ✔️How to tell if my car is insured?

    You can visit the official VAHAN e-services website or the Insurance Information Bureau (IIB) portal to check the status of your car insurance policy online. 

  • ✔️How to pay for car insurance online?

    You can easily make payment for car insurance by visiting Bajaj MARKETS and selecting a suitable insurance coverage.

  • ✔️Which car insurance company is the best?

    You shall find numerous car insurance companies that offer extensive insurance coverage in the market. However, it is recommended to consider various factors such as the Claim Settlement Ratio, coverage, premium, etc. while opting for a plan.

  • ✔️What is a comprehensive car insurance policy?

    Comprehensive insurance is an extensive insurance plan that provides coverage against own damage, theft, natural and man-made calamities, third-party liabilities and other perils. Although it isn’t a mandatory cover, we highly recommend it to enjoy 360-degree protection for your precious car.

  • ✔️What is IDV in car insurance?

    Insured Declared Value (IDV) is the highest amount that you can receive as compensation under your insurance plan in the event of theft or total loss.

  • ✔️ How is the IDV calculated?

    In simple terms, Insured Declared Value is the current market rate of your car. It is the maximum sum insured that the insurance company

    fixes on the vehicle and is provided only in the event of total loss in car insurance or theft. This is calculated based on the selling price listed by the current manufacturer minus the depreciation rate.

  • ✔️Can I renew my policy on Bajaj MARKETS?

    Step 1: Go to the ‘car insurance renewal’ section on Bajaj MARKETS. 

    Step 2: Enter your registration number and mobile number.

    Step 3: Enter your previous car insurance details and check your renewal premium.

    Step 4: Make the payment online.

    Step 5: Your policy will be sent to your registered email ID.

  • ✔️How to claim car insurance if my vehicle is stolen?

    Don’t worry! Unfortunately, if your car is stolen, you can raise a claim under your insurance plan with the steps mentioned below:

    • Register your claim online.

    • File an FIR at the nearest police station.

    • Submit the same along with other necessary documents.

    • Claim details will be assessed.

    • The insurance company will reimburse the compensation amount.

  • ✔️Can car insurance be transferred to the new vehicle owner?

    Yes, car insurance can be transferred to the vehicle's new owner and must be completed without fail!

  • ✔️Why is car insurance mandatory?

    The government has made it mandatory for all vehicle owners to have third-party insurance for their vehicles under the Motor Vehicles Act, 1988. This is to ensure that the innocent party involved in the accident does not suffer financial loss.

  • ✔️How many car insurance claims can be made in a year?

    There is no restriction on the number of claims you can make under your insurance plan. However, if you make a large number of claims, there is a high chance of your insurance premiums getting hiked during renewal.

  • ✔️ Are car insurance premiums tax-deductible?

    If you use your car for personal purposes, you cannot claim your car insurance premiums as tax-deductible. However, if your car is used commercially or for business-related purposes, you may be able to claim premiums as tax-deductible.

  • ✔️ Does car insurance cover the cost of repairs?

    A car policy online does not generally cover the cost of regular maintenance and repairs. However, if your car gets damaged as a result of an accident or theft, the insurance company will pay for the repair cost of your car.

  • ✔️Can car insurance be purchased online?

    Yes, buying car insurance online has become quite easy. You can find a number of insurance options online from reputable companies that you can choose from. Car insurance purchased online is just as valid as insurance purchased in person.

  • ✔️Can I buy a standalone own damage cover for my four-wheeler?

    Yes, you can purchase a standalone own damage cover for your vehicle if you already have third-party insurance. 

  • ✔️Can I transfer my NCB reward while renewing car insurance through Bajaj MARKETS?

    Yes. As the No Claim Bonus belongs to the policyholder and not the insurance policy, you can easily transfer your NCB while switching insurers through Bajaj MARKETS.

  • ✔️ Can I opt for a garage of my choice for vehicle repair?

    Yes, you can go for a garage of your choice for vehicle repair and later raise a reimbursement claim with your insurance provider.

Explore all the car insurance FAQs to find more answers.

Bajaj MARKETS - User Reviews & Testimonials

User Reviews & Testimonials

3.8out of 5

3 reviews

Car Insurance

While on the lookout for the right car insurance plan for my vehicle, I found Bajaj MARKETS online. The entire buying process was simple and hassle-free. The process did not overwhelm me by asking for unnecessary details and it was easy to follow.

Car Insurance

I had a really good experience while buying car insurance on Bajaj MARKETS. The online process allowed me to purchase add-on covers with the policy at an affordable price. As a first-time online insurance buyer, I found it easier than expected.

Car Insurance

I have always preferred to buy any kind of insurance plan offline, however, Bajaj MARKETS really did change my mind. The steps to purchase car insurance were easy and it also allowed me to pick the NCB reward from my previous policy.