Compare Car & Two-Wheeler Insurance in Minutes
Third-party, comprehensive and zero-depreciation cover for your car or bike — compare premiums and add-ons before you renew or buy.
Overview
Why compare auto insurance before renewing
Auto insurance premiums vary significantly between insurers based on your vehicle's Insured Declared Value (IDV), city, claim history and chosen add-ons. Comparing plans at renewal time — instead of auto-renewing — is one of the easiest ways to reduce costs without reducing cover.
HDFC ERGO
ICICI Lombard
TATA AIG
Benefits
What you get with a auto insurance plan
Zero Depreciation Add-on
Get full claim value on parts without depreciation deduction.
24x7 Roadside Assistance
Towing, flat tyre and battery jump-start support anywhere, anytime.
No Claim Bonus Protection
Keep your accumulated discount even after a claim, with the right add-on.
Instant Digital Policy
Buy or renew online and get your policy document by email immediately.
Compare
Auto Insurance plan types at a glance
A quick look at the most common auto insurance plan structures available in India.
| Plan Type | Coverage | Best For | Add-ons Available | Premium Range |
|---|---|---|---|---|
| Third-Party Only | As per IRDAI tariff | Legal minimum requirement | No | Lowest |
| Comprehensive | Own damage + third-party | Full protection incl. own vehicle | Yes (add-on) | Medium |
| Zero Depreciation | Comprehensive + ZD add-on | New or high-value vehicles | Yes | Medium-High |
| Standalone Own Damage | Own damage only | Vehicles with existing TP cover | Optional | Medium |
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FAQs
Auto Insurance — frequently asked questions
Yes. Under the Motor Vehicles Act, every vehicle on Indian roads must carry at least third-party liability insurance. Driving without it can attract fines and legal penalties.
IDV is the current market value of your vehicle and the maximum amount the insurer will pay in case of total loss or theft. A higher IDV means higher premium but higher claim payout.
Yes, a standard comprehensive policy covers damage from floods, storms, earthquakes and other natural calamities, in addition to man-made damage and theft.
Yes. You can switch insurers at renewal time; your No Claim Bonus is transferable as long as there's no gap in your policy coverage.
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