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What is car insurance

Car insurance is a type of insurance policy that provides financial protection to vehicle owners against damages or losses caused to their cars due to accidents or other unfortunate losses like theft, natural calamities, and civil riots.

You might need to pay a higher premium for a luxury car as the amount of premium depends on the value and model of the vehicle. The private car insurance policy can be classified into third-party liability only, comprehensive, and owner damage cover packages.


What Is Covered In Car Insurance
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Accidents

Accidents can cause significant damage to a car as well as the passengers. Car insurance covers the cost of damages and injuries resulting from accidents, providing financial protection and peace of mind to the policyholder and their passengers.

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Theft

Car theft is a common concern among vehicle owners, and comprehensive car insurance provides coverage against theft, helping the policyholder recover the cost of their vehicle.

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Fire

Car insurance covers damages caused by fire, which can be devastating to the vehicle and expensive to repair or replace without insurance.

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Natural Disasters

Natural disasters such as floods, earthquakes, and hurricanes can cause significant damage to vehicles, but car insurance with comprehensive coverage provides protection against such events.

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Personal Accident

Car insurance can also provide coverage for personal accidents, including medical expenses and disability benefits for the driver and passengers in case of an accident.

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Third-Party Losses

Car insurance covers third-party losses resulting from accidents involving the policyholder's vehicle, including property damage and bodily injury to other people involved in the accident.

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Add-On Cover in Car Insurance

An add-on cover is an additional coverage option that can be added to a car insurance policy to enhance its benefits. These add-ons provide specific coverage against damages that are generally not covered under the standard car insurance policy.

Add-ons can be customized according to the policyholder's needs and budget, providing a comprehensive insurance policy that suits their requirements. However, it's important to note that add-ons come at an additional cost, and policyholders should carefully evaluate their options before selecting them.

Zero Depreciation cover

This add-on provides full compensation for the cost of replaced car parts during a claim, regardless of their depreciated value. It is particularly useful for new and high-value cars.

Consumable cover 

This add-on covers the cost of consumable items like nuts, bolts, and engine oil, which are not covered under the standard car insurance policy.

Roadside Assistance

This add-on provides support in case of a vehicle breakdown, including towing services, fuel delivery, and battery jump-start.

Return to Invoice cover 

This add-on covers the gap between the Insured Declared Value (IDV) and the invoice value of the car, in case of total loss or theft of the vehicle.

Engine and Gear-box Protection cover

This add-on provides coverage for damages to the engine and gearbox of the car, which can be expensive to repair or replace without insurance.

Tyre Protect cover

This add-on covers the cost of repairing or replacing damaged tyres, which are not covered under the standard car insurance policy.

Key and Lock Protect

This add-on covers the cost of repairing or replacing lost or damaged car keys and locks.

No Claim Bonus (NCB) Protection

This add-on protects the policyholder's No Claim Bonus (NCB) in case of a claim, allowing them to retain their accumulated bonus and enjoy lower premiums


What Is Not Covered In Car Insurance

The policy coverage for car insurance has the following typical exclusions, which apply to the car insurance products offered by all insurance providers

Driving without a valid license, drivers whose License has been suspended or cancelled or under the influence of drugs or alcohol

Using the vehicle for illegal activities or racing

Wear and tear, mechanical or electrical breakdown, and consequential loss

Damage caused to the vehicle when driving outside the geographical limits specified in the policy

Damage caused by war, mutiny, nuclear risks, act of a foreign enemy, terrorist activity, or any other malicious act

Damage caused due to natural calamities such as floods, earthquakes, hurricanes, etc. (unless specifically covered under the policy)

Damage caused by drivers not listed on the policy

Any damage caused due to gross negligence or wilful misconduct of the vehicle owner/driver.

Types of Car Insurance Policy

Third-Party Insurance

Third-Party Insurance covers the policyholder against damages or losses caused to third parties, such as pedestrians, other drivers, or property, due to an accident involving the insured vehicle. Third-Party Insurance policies are mandatory by law in India and provide financial protection to the policyholder against legal and financial consequences.

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Comprehensive Car Insurance Policy

Comprehensive car insurance is a type of car insurance that provides coverage for a wide range of risks, including damage to your own vehicle due to accidents, theft, fire, and natural disasters. It also covers third-party liability, which means that if you cause damage to someone else's vehicle or property, your insurance will pay for the damages.Comprehensive car insurance is usually more expensive than other types of car insurance but provides a higher level of protection for your vehicle.

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Own Damage Insurance

Own damage insurance is a type of car insurance that provides coverage for damage to your own vehicle due to accidents, theft, fire, or natural disasters. It does not cover third-party liability, which means that if you cause damage to someone else's vehicle or property, the insurance would not cover such expenses. Own damage insurance is usually less expensive than comprehensive car insurance, but it provides less coverage.

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    Third-Party Car Insurance vs. Comprehensive Car Insurance vs. Own Damage Insurance

    Insurance TypeThird-Party Car InsuranceComprehensive Car InsuranceOwn Damage Insurance
    CoverageCovers third-party liability onlyCovers both own damage and third-party liability Covers own damage only
    Premium Lowest premium among the three Highest premium among the three Moderate premium
    LegalityMandatory by lawNot mandatory but highly recommended Not mandatory but highly recommended
    Additional Features Minimal additional features Additional features such as roadside assistance, zero depreciation, etc. Some additional features such as engine protector, accessories coverage, etc.
    Who It's For Drivers with low-value cars and those on a tight budgetDrivers with high-value cars and those who want complete protection Drivers with moderate-value cars who want basic protection

    Documents you need to obtain Car Insurance

    Here is a list of documents you need to obtain car insurance in India

    • Registration Certificate (RC) of the vehicle
    • Driving License of the vehicle owner/driver
    • Previous Insurance Policy (if applicable)
    • Vehicle Inspection Report (for new vehicles or in case of lapsed insurance policies)
    • Aadhaar Card or PAN Card of the vehicle owner.

    Procedure for Filing a Claim

    Claim for own damages

    • Inform the insurer immediately after the accident and file an FIR with the police (if required)
    • Take photographs of the damaged vehicle and submit them to the insurer
    • Submit a duly filled claim form along with a copy of the driving License and the RC of the vehicle
    • Provide an estimate of the repair costs and any other relevant documents requested by the insurer
    • Wait for the surveyor to inspect the vehicle and provide an assessment report
    • If approved, the insurer will authorize repairs, and the policyholder will have to pay the deductible or any other amount not covered under the policy
    • After completing the repairs, submit the bills and receipts to the insurer for reimbursement.

    Claim for theft of the insured vehicle

    • File an FIR with the police immediately after discovering the theft and inform the insurer
    • Submit a copy of the FIR, the driving License, and the RC of the vehicle to the insurer
    • Wait for the surveyor to inspect the vehicle and provide an assessment report
    • If the claim is approved, the insurer will provide compensation based on the Insured Declared Value (IDV) of the vehicle
    • The policyholder may have to provide additional documents or information requested by the insurer.

    Claim for third-party liability

    • Inform the insurer immediately after the accident and file an FIR with the police (if required)
    • Take photographs of the damaged vehicle and submit them to the insurer
    • Provide details of the third party involved in the accident, such as name, contact details, and vehicle registration number
    • Submit a duly filled claim form along with a copy of the driving License and the RC of the insured vehicle
    • Wait for the surveyor to inspect the vehicle and provide an assessment report
    • If the claim is approved, the insurer will provide compensation for the third-party damages and the legal expenses incurred by the policyholder
    • The policyholder may have to provide additional documents or information requested by the insurer.

    Why should you choose us

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    10 Years Of Experience in Car Insurance

    At Kataria Insurance Brokers Pvt. Ltd and Policy Leader, we have over 10 years of experience in the car insurance industry. Our team of experienced professionals has in-depth knowledge and expertise to help our customers make informed decisions about their insurance needs. We have helped countless customers find the best insurance policies at the most cost-effective prices.

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    Customized Individual Recommendation

    We understand that every customer has unique insurance requirements. At Kataria Insurance Brokers Pvt. Ltd and Policy Leader, our team takes the time to understand our client's specific needs and recommends a customized insurance solution that fits their budget and coverage requirements. We offer the best insurance quotations and help our customers compare insurance policies from multiple insurers to ensure they find the policy that is right for them.

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    Quick and Hassle-Free Insurance Renewal

    We value our customers' time and offer a quick and hassle-free renewal process for their car insurance policy. Our customers can easily renew their policies with a few clicks online or a phone call.

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    Dedicated Claim Support

    At Kataria Insurance Brokers Pvt. Ltd. and Policy Leader, we provide prompt assistance and support to our clients during the claim process. Our dedicated team of professionals guides our customers through the entire process, from filing the claim to receiving the settlement amount. We work tirelessly to ensure our clients receive the compensation they deserve.

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    Multiple Insurers Under One Roof and Insurance Brokers in Gujarat and around the country

    We work with multiple insurers and offer a range of car insurance policies, ensuring our customers have various options to choose from. Our expertise in the industry and our status as leading insurance brokers in Gujarat allow us to provide our clients with the most comprehensive car insurance solutions.

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    Choose Kataria Insurance Brokers Pvt. Ltd and Policy Leader for the best insurance, customized insurance solutions, quick and hassle-free insurance renewal, dedicated claim support, and a range of insurance policies to choose from.

    Compare & Save upto 85%*

    On Car Insurance

    *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

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