Mandatory third-party cover or full comprehensive protection — we compare all major insurers and help you choose the right plan in minutes.
Indian law mandates third-party insurance for all vehicles. But for cars under 5 years old, comprehensive cover is far better value.
| Feature | Third-Party Only | Comprehensive |
|---|---|---|
| Legally required | Yes | Yes |
| Damage to others' vehicle / property | Covered | Covered |
| Injury to third party | Covered | Covered |
| Own vehicle damage (accidents) | Not covered | Covered |
| Theft of your vehicle | Not covered | Covered |
| Fire & natural disasters | Not covered | Covered |
| Personal accident cover | Separate add-on | Included |
| Zero depreciation add-on | Not available | Available |
| Indicative annual premium | ₹2,000–5,000 | ₹6,000–18,000 |
A comprehensive motor plan protects you from all major financial risks on the road.
Repair costs for your vehicle after an accident, regardless of fault.
Damage or injury you cause to another person, vehicle or property.
Full IDV paid if your vehicle is stolen and not recovered within 90 days.
Floods, earthquakes, cyclones, lightning and fire damage — all covered.
Up to ₹15 lakh payout for owner-driver death or permanent disability.
Towing, battery jump-start, flat tyre and emergency fuel delivery anywhere.
These riders cost a little extra but save significantly more at claim time — especially for newer vehicles.
Full replacement cost of parts — no depreciation deductions. Essential for cars under 5 years old.
+15–20% on premiumCovers engine repair due to water ingression or hydrostatic lock — vital in flood-prone cities.
+8–12% on premiumTotal loss or theft? Receive the original on-road price — not the depreciated IDV.
+10–15% on premiumProtect your No-Claim Bonus even after making one claim — keeps renewal premium low.
+5–8% on premiumQuick, clear answers on motor insurance in India.
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