Car Insurance
Calculate IDV and estimated premiums for your vehicle.
Insurer pays full part cost without depreciation deduction at claim time. Essential for cars up to 5 years old.
In total loss, you get original invoice value (not IDV). Covers gap between IDV and purchase price.
Covers engine damage from hydrostatic lock or oil leakage — not covered by standard policy.
Towing, battery jump-start, flat tyre help 24×7 anywhere in India.
Discount on OD premium for every claim-free year — 20% (1yr) to 50% (5 consecutive years).
Third-Party (TP) is mandatory by law under the Motor Vehicles Act. It covers damage or injury caused to a third party but does not protect your own vehicle. Premium is fixed annually by IRDAI.
Own Damage (OD) covers damage to your own car from accidents, theft, fire, flood, and natural calamities. Voluntary deductible lowers the premium but you bear that portion of each claim.
Comprehensive = TP + OD + chosen add-ons. Recommended for all cars under 7 years old. Once the IDV is very low (old cars), you may consider dropping OD.
NCB tip: Never make small claims (under ₹15,000–20,000) — you lose the NCB discount which is worth more over time.