How to choose best car insurance company in India

Everyone wants to own a car nowadays as it is one of the best means of transport on road be it personal use or family use, many people even believe that it also shows an uplift in the financial status of a person. In India most people belong to financial mediocrity and cannot even afford to buy a car on down payment, they usually go for car loans to get one. Importance of Car Insurance here is quite clear from this fact. People are generally looking for the best car insurance company in India.

What to look for carefully:

Car policy generally covers the loss in case of theft, scratch or accidents. Your premium amount of car insurance is directly dependent upon IDV i.e. Insurer’s Declared Value, so one need to be very careful while choosing an appropriate and adequate insurance plan. Many Insurers are providing Towing facility, Depreciation as value added services nowadays, so it is wise to read all the terms and conditions on the car insurance information brochure beforehand.
Some of the companies claiming themselves to be the best car insurance company in India also award bonuses to policy holders at the end of each year when no claims of policy of policy has been done throughout the year.
One can choose between:

Generally the plans offered by car insurance companies can be divided into two major categories:
Third Party Car Insurance: Covers damage to property, accidental death or an injury to third party.

Comprehensive package car insurance: Most people prefer it as it covers, personal accidents, legal liability of third party, theft or damage.

One can claim under the condition:

Car Insurance generally can be claimed:

  • For damage or loss caused to the insured vehicle due to theft, accident, act of terrorism.
  • If the car gets ignited on its own, explosion, fire, strikes, riots, any unforeseen natural disaster like cyclones, lightning etc.
  • If Driver (Owner) gets into accident.
  • If the insured vehicle is involved in any kind of accident or death of any third person or else any kind of property damage suffered by them, any kind of legal formalities in these cases too.

Car Insurance cannot be claimed:

  • In case the insured vehicle, is driven by person without valid driving license.
  • Car manufacturer’s guidelines are not followed by user.
  • For degrading of vehicle with time gradually.
  • Due to oil leakage or the insured person is under influence of any kind of drugs, alcohol etc.
  • Loss of engine or any kind of damages to engine.
  • Loss or damage if policy is not in force or has been outdated and depreciation.

Must Read: How Motor Insurance Companies Calculate Car Insurance Premium 

However, the experts recommend getting a comprehensive insurance plan to ensure complete protection for your prized possession. This plan is precisely devised to cover a vehicle the loss/ damage caused by you to a third party and loss /damage caused to your vehicle by natural/manmade calamities. Additionally, the insurance company offers many valuable add-ons on the basic policy to ensure more effective cover for their customers.

In India, you will be offered three main types of Car Insurance:

  • Private Car Insurance
  • Commercial Vehicle Insurance
  • Two Wheeler Insurance

In order to help you choose the best company, here is overview of Top 5 Car Insurance Companies in India:

1. ICICI Lombard General Insurance Co. Ltd.

ICICI Lombard GIC Ltd. is a private player in the insurance industry. It is also the largest insurance company in India (private sector). A recent survey by J.D. Power Asia Pacific has revealed that ICICI Lombard Auto Insurance leads all of the auto insurance players when it comes to customer satisfaction. Interestingly, the brand has also been acknowledged as the most Customer Responsive insurance company. ICICI Lombard Auto Insurance also boasts of a reputed award for customer and brand loyalty.

What’s Unique about it?

  • Doorstep surveyor facility
  • Online purchase on EMIs
  • Towing assistance
  • Cashless settlement at 2900+ network garages
  • Digitally signed online policy

2. Tata AIG General Insurance Co. Ltd.

Established in the year 2011, Tata AIG General Insurance is fairly a young company that has managed to win over a decent part of car insurance marketplace owing to its dynamic distribution channels and smooth hassle-free claims. Recently, the brand has won reputed awards for being the best employer and employment of mobile application in the insurance industry.

What’s Unique about it?

  • Free car pick up
  • Warranty on repairs
  • Unique add-ons
  • Cashless settlement at network garages
  • Claim settlement within 7 days

3. The Oriental Insurance Co. Ltd.

The company is owned by the Central Government. Rated as the iAAA by ICRA, Oriental Insurance Company is one of the best companies offering car insurance in India. The brand swanks the most reputed awards in the industry including the prestigious ‘best bank and financial institution award’ and ‘best public general insurance award’.

What’s Unique about it?

  • Recognised as one of the most reliable names in car insurance industry
  • Valuable add-ons
  • High claim settlement ratio in the industry
  • Fast claim settlement

4. The New India Assurance Co. Ltd.

Widely recognised for being the pioneer in initiating highly innovative insurance products, the New India Company for insurance is fully owned by the government of India. It is espoused by a strong capital, hi-tech infrastructure and human resource. New India is definitely the leading auto insurance company in India. Recently, the brand has carved a strong international presence for itself. The New India Assurance Co. Ltd. has been rated A- (Excellent) by A.M. Best Co. Interestingly, it has turned out as the only Indian insurance company to be rated by an international rating agency.

What’s Unique about it?

  • The company takes action on claim request within 3 days of application
  • Complaint acknowledged within 3 days of receipt
  • Grievance resolved within 15 days of receipt
  • Surveyor appointed within 48 hours of claim notification
  • Claim payment made within 3 days of discharge voucher receipt

5. HDFC ERGO General Insurance Co. Ltd

The ISO 9001:2008 certified company is aided by dynamic channel of distribution. It is also known widely for its world class customer oriented approach. HDFC is definitely the top notch brand for buying a car insurance. When it comes to claim settlement among private car insurer, the company boasts of having one of the highest ratios. HDFC ERGO has also been rated iAAA by ICRA. In the year 2013, IAIR acknowledged the company was as the best general insurance corporation across the nation.

What’s Unique about it?

  • Discount on age and profession
  • Cashless settlement at 1600+ network garages
  • Nil documentation
  • Fast claim settlement
  • Dedicated customer support team

Summary:

Car Insurance simply is kind of a relief in cases of accidents or thefts. It can be said that it is an essential task to be done once you bought a car, especially in India. One can easily get car insurance information online, and even can compare different policies through various sites. On observing carefully before choosing the best car insurance company in India, one can easily save up to 55% on car insurance renewal premium, by choosing appropriate plan and even can get benefits on Insurance plans for a new car.

Filed in: Car Insurance Tags: , ,

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252 Responses to "How to choose best car insurance company in India"

  1. Rajiv Mehra says:

    Car insurance plan is important for all car owners in India. I never realised it earlier. I 2009, when my brand new car was stolen right outside my home, I regretted not investing in one. I would advice all new car buyers to get an insurance plan the moment they purchase a car.

    • Ankur Gupta says:

      I have bought a second hand car and am currently taking my driving lessons. Can I skip car insurance? It is very expensive and I don’t think my car is worth it.

    • Harry Baweja says:

      The Third Party Car Insurance Is Not Costly. Get One. It Is Really Worth It.

    • Sanjay Sharma says:

      If you have a second hand car, then go for the minimum car insurance mandatory by the law. It is the third party insurance. Even if you are a learner, driving without insurance is punishable act by law.

  2. Rahul Shrivastava says:

    Will my third party car insurance India cover my car for damage against theft?

    • Dev Sharma says:

      No. Third party car insurance India plan has been devised to covers damage to property, accidental death or an injury to third party. For covering theft, you must invest in a comprehensive cover.

    • Vikas Arora says:

      I have recently bought a comprehensive car insurance India from ICICI. It covers me against personal accidents, legal liability of third party, theft or damage. I bought it online and got some discounts too. The process is really easy.

  3. Abhinav Sharma says:

    It is always good to use car insurance calculator while calculating premium. I never thought about this before I came across the official website of my insurance company. It is accurate and works really fast. The calculator allows me to get accurate amount of premium according to my car insurance requirements. Highly recommended!

    • Sameer Chauhan says:

      I have heard about car insurance calculator but never used it. It seems to be a very complicated.

    • Gaurav Jain says:

      No. It is not complicated. The car insurance calculator is easily available online. All you need to do is feed in some important details such as type of insurance required, car make, model, version, state, etc. You will be recommended the premium amount for your insurance requirements in no time.

      • Patel Vinitkumar N says:

        I have one car Getz 2010 model newly bought as first owner I am badly in need of cheaper insurance policy from your side.My details are as
        Car No.Gj-1-kc-6047.
        Name: Vinitkumar N.Patel
        Make: Huyndai Getz
        Model 2010
        Version:Petrol
        State: Ahmedabad,Gujarat

    • Manjeet Singh says:

      Car insurance calculator will help in calculating the best car insurance policy online. This is done on the basis of the info provided by the customers including specific requirements. The premium calculator allows customer to calculate the premium amount for the car on the basis of the details provided by them including car details, date of registration, policy start date and other extra coverage details.

  4. Surendra Singh says:

    I am looking for a car insurance renewal. Earlier I had bought the policy through a company representative. Is it possible to get a renewal done online now?

    • Kamal Gautam says:

      Car insurance renewal can be done online anywhere anytime regardless of how you had bought it earlier. Online renewal is an easy and time saving process.

    • Kapil Shrama says:

      Online car insurance renewal is definitely worth it. It allows you to compare various offers from other companies too. You can compare these plans prior to deciding on one.

    • Manu says:

      Hi Surendra online insurance renewal is possible. I got online insurance done for my car from IFFCO Tokio.. You can visit their website for all information.

  5. Virat Kohli says:

    What are the benefits of buying car insurance online India?

    • Bhupendra Rana says:

      The benefits of buying car insurance online India are endless. Right from saving time to getting attractive discounts, opportunities to compare quotes, buying at your own convenience, and choosing the most appropriate plan, the benefits are endless.

    • Ajitendra Singh says:

      I had renewed my plan online last year. The process is absolutely worth it. I’ll continue with it. No more speaking to representatives for me anymore!

  6. Vinita Aggarwal says:

    Motor car insurance plan is mandatory by law. There’s no escape from it.

    • Vinay Thakur says:

      Buying a comprehensive motor car insurance plan is definitely the best bet as it provides with a huge number of benefits and wide coverage.

    • Natasha Saini says:

      These days, insurance companies are offering plans for used cars. The motor car insurance plan will save you money and offer the much needed protection for your car too.

  7. Somi Chatterjee says:

    Will I get prompt help from the company in case of a problem if I buy online car insurance? I believe there’ll be no representative to help me.

    • Nisha Singh says:

      The company website will take note of your problems and a company representative will contact you immediately. You may even call up the toll free number of your insurance company for prompt help.

    • Aditi Rajpoot says:

      Buying online car insurance plan doesn’t really mean getting stuck in case of an emergency. You simply need to write your complain online or call up the customer care department of the company to gather help in case of a problem.

  8. Virat Kohli says:

    How to buy car insurance online? Do I need to visit the company for documentation and other formalities?

    • Sanjana Gautam says:

      When you buy car insurance online everything from documentation and other formalities are taken care of online. This is also the reason the mode of purchase is getting more popular among insurance buyers these days.

    • Sanjay Sikarwar says:

      You can buy car insurance online literally anytime you wish to. This is the luxury granted for online buyers. Most insurance companies offer 24 x 7 support service to their online buyers.

  9. Kamalkant Dubay says:

    How can car insurance premium calculator help?

    • Kunal Chopra says:

      Car insurance premium calculator is an online feature that helps customer calculate premium amount for vehicle based on the details provided.

    • Ajay Dixit says:

      In order to calculate exact premium using car insurance premium calculator, you need to provide specific details to the company online including the date of registration of vehicle, car details, policy start date and other extra coverage details.

  10. Monika Bhatt says:

    How does car insurance online quote actually help?

    • Tanya Sachdeva says:

      For lowest premium rates and best insurance facilities as per your specific requirements, it is important to car insurance online quote.

    • Shalini says:

      Car insurance online quote is precisely an estimate provided by the insurance company to the customer prior to insuring. It offers information various features covered by the company at a given premium estimate. Comparing quotes offered by various companies will help you buy the best policy.

  11. Aaryan Kumar says:

    There are many types of car insurance. Which car insurance should I buy?

    • Shravan Kaurav says:

      This really depends on your specific requirements and budget. Know what you are looking for an insurance policy precisely before deciding on one of the types of car insurance.

    • Avani Kaur says:

      Usually the types of car insurance plans offered by companies in India can be categorised into two main parts; Third Party Car Insurance and Comprehensive package car insurance. The third party car insurance covers damage to property, accidental death or an injury to third party whereas the comprehensive package car insurance is an extensive cover that offers protection against personal accidents, legal liability of third party, theft or damage.

  12. Happyjeet Singh says:

    How to get online car insurance quotes?

    • Jay Bansal says:

      This is very easy. Most insurance companies offer online car insurance quotes on their official websites. All you need to do is provide your details to the company and get instant quotes as per your car insurance requirements.

    • Ajit Rajpoot says:

      Online car insurance quotes save a lot of time and efforts. It also saves you money by help you decide on an affordable plan without having to compromise on quality.

  13. Vandna says:

    I am planning to buy car insurance plan for second hand car. Any suggestions?

    • Diksha says:

      It is important to buy car insurance plan in order to protect your vehicle from all kinds of perils on and off road. These plans are designed to protect your investments at all levels.

    • Rashmi says:

      If you wish to save big bucks, buy car insurance online. You must also compare quotes.

    • NIshant Gupta says:

      You can go for the minimum insurance policy set by the law. This is the third party insurance plan. It is the minimum requirement by law and quite affordable.

  14. Nitin Juneja says:

    What is the best car insurance plan in the market today?

    • Rajiv Goyal says:

      Go for one from ICICI or the Tata AIG. They offer the best car insurance plans.

    • Gourav Bhadoria says:

      The best car insurance plan precisely depends on your specific requirements. Know what you want from a specific plan and the kind of premium amount you can afford to pay towards the insurance company before deciding on a plan.

  15. Anmol says:

    Is cheap car insurance plan available in India? How much should I pay for insuring my Tata Indica 2007 model?

    • Richa Sharma says:

      Get cheap car insurance quotes online if you are serious about saving money on buying car insurance plans. You just need to compare these plans to be able to choose the most affordable one for your Tata Indica.

    • Shweta Sharma says:

      Browse online for quotes to get cheap car insurance plan for your Tata Indica car. Also you must mention some details on the car such as the make, accidents involved, who drives the car, how frequently it is driven etc.

  16. Shashank Shrivastava says:

    The car insurance quotes online will decide on the best insurance for your Indica car. Is it brand new car or second hand? These factors are important for deciding on the premium amount of insurance.

    • Akshay Bajaj says:

      Search for car insurance quotes online. These are easily available and will help you get the best premium for your car.

    • Neeru Bajwa says:

      Most insurance companies offer car insurance quotes online these days. All you need to do is compare these quotes to decide on the best plan for yourself.

  17. Behrokh Khan says:

    Which company offers the cheapest car insurance plan?

    • Daima Shah says:

      This is a tough question as the answer depends on your car insurance requirements and budget. The cheapest car insurance plan needs to be hunted for online based on your needs.

    • Farha Ul Haq says:

      If you don’t wish to get an extensive cover for your car, then buying the third party insurance plan will work for the cheapest car insurance option. This is also the minimum plan one should invest in to abide by the law.

  18. Narendra says:

    ICICI lombard has shown me nightmares when I tried to claim my insurance after a major accident. The Mumbai staff in head office talk to you without respect when we went there for the claim process.

  19. Alok Shrivastava says:

    How much do I need to pay for car insurance quotes?

    • Narendra Kumar says:

      Nothing! These are free car insurance quotes available online.

    • Divyansh says:

      Free car insurance quotes are available all over the internet. You simply need to place a request for these quotes and get them for free!

    • Manoj Tiwari says:

      There is no fee for quotes. These are free car insurance quotes offered by insurance companies in India to help their customers decide on a policy as per their budget and requirements for insurance.

  20. Vipin Talwar says:

    Can I get instant car insurance quote for my car? How?

    • Ram Kapoor says:

      Instant car insurance quote are available online for free! Place requests online for the same. You can get as many quotes as you want without having to pay anything!

    • Simranjit Singh says:

      Get in touch with your insurance company to get instant car insurance quote online. These are available for free of cost.

  21. Preeti says:

    My insurance representative hasn’t mentioned about car insurance quotes. He has promised me the best price for the plan I have taken. What should I do?

    • Hitesh Sinha says:

      Your representative is not obliged to give you car insurance quotes. He would go by the company that provides him with commission. You need to look for quotes on your own. This is not difficult at all. Simply go online and request for quotes.

    • Sakshi says:

      Why would the company representative expose you to car insurance quotes? It is not his duty. He will simply provide you with the details of the company he is working for. These quotes are easily available online for free. Get some and compare before you finalise on a protection plan for your valuable asset.

  22. Aadiya Arya says:

    What types of car insurance in India are available? How do I know which insurance plan to buy?

    • Ranveer Singh says:

      There are two main types of car insurance in India sold by private and public sectors; Comprehensive insurance plan and third party insurance plan. The later is mandatory by law whereas the former one will give you a wider protection. It all depends on your specific requirements and budget.

    • Babita Kaur says:

      You need to buy a car insurance in India plan to be able to drive the vehicle on road. Not having one is considered as a legal offence.

  23. Suman says:

    Why buy online car insurance India? The guy who visited me a few days back seems to be nice and trustworthy. He is certified and licence by the insurance company and won’t cheat me.

    • Abhilasha Chauhan says:

      Well, that’s great news. But how much do you know about the companies other than what the representative has explained you about? There are many benefits of buying online car insurance India. Try it out to believe it!

    • Smriti Kapur says:

      The biggest advantage of buying online car insurance India is that you’d be getting free quotes. Assessing and comparing these will help you decide on the best plan.

  24. Aarman Malik says:

    Which car insurance company should I approach for an insurance plan for my brand new Honda Jazz?

    • Vinod Pathak says:

      Go for ICICI car insurance company. I would recommend this company. They are the best guys in the industry. They offer doorstep surveyor facility, online purchase on EMIs, towing assistance and much more.

    • Reema Rao says:

      The HDFC car insurance company is also a good choice. I would recommend it personally.

  25. Geetika Sharma says:

    What is the best way to get into a thorough car insurance comparison? Should I visit each company personally and talk to the customer representative?

    • Deepti Ghosh says:

      Get quotes for car insurance comparison online. These are free of cost and save a lot of time, money and efforts on your part.

    • Harpreet Singh says:

      Car insurance comparison quotes are definitely the best option. You must get at least 5-10 quotes from different companies to compare. This will help you know about the best company offering a plan precisely according to your specific requirements and budget.

  26. Kabir Ali says:

    How about the modern facilities? Will I get benefits from national car insurance company?

    • Aakash Kohli says:

      I would suggest you to invest in a national car insurance plan than buying one from a private company. National companies are more reliable.

    • Amit Srivastav says:

      You must check out the official website of the national car insurance prior to going for a plan. Look out for what they offer and at what rate.

  27. Jaga jeet says:

    How do I know which company is the best car insurance company in India?

    • Aadarsh Verma says:

      Buying from the best car insurance company is the best bet. This way, you can rest assured about the fact that your investment is in safe hands. So choose the most reliable company to buy the insurance from.

    • Balvant Thakur says:

      Browse online. Know about the rating of companies, reviews from customers and decide on the best car insurance company.

  28. Aarushi Goshwami says:

    How to get the best car insurance in India? Is it possible to get discounts?

    • Gayatri Rao says:

      The best car insurance in India depends on what your requirements precisely are. Look for a company that offers you the best discounts at all levels without compromising on the quality.

    • Sudiksha says:

      The best car insurance in India is the one that helps you enjoy wide range of protection at lower price. You need to compare quotes to be able to reach out to such a plan.

  29. Aditya Aggarwal says:

    What are cheap car insurance quotes? Do they really help?

    • Cheenu Shrivastava says:

      Cheap car insurance quotes will help you choose the best insurance plan. This way, you would buy one that is affordable without compromising on quality.

    • Manish says:

      Cheap car insurance quotes are available online for free. You simply need to request for these and compare them for your car insurance needs.

  30. Amal Singhaniya says:

    How to go about online car insurance renewal? Is it a reliable process?

    • Aayushmaan says:

      I renewed it through the representative of my insurance company. Since I had no idea about online car insurance renewal then, I trusted this guy. But one of my friends renewed his policy online. He was very happy with it. You may try it on the official website of the company.

    • Aashika Nanda says:

      Online car insurance renewal is the best way to renew insurance plan. The process takes very less time. It is hassle free and you can renew the policy from the comfort of your home. I have recently renewed my policy online and am really happy with the service.

  31. Aayush Rao says:

    I am learning how to drive. Should I buy auto car insurance for my second hand car?

    • Hardik Patel says:

      Is the car registered on your name? If you aren’t frequent with the car, carry insurance in the name of the owner. The auto car insurance plan will be mandatory once you learn to drive the car and own one.

    • Sameer Chauhan says:

      Consult your insurance company about this. I think you would need an auto car insurance plan since you are learning and would be taking the car out on road for lessons.

  32. Vikas Arora says:

    Getting the best car insurance rate seems to be a bit difficult these days. With increasing costs of various items, it is quite difficult to get affordable insurance. Is there a way to save money?

    • Dev Sharma says:

      Car insurance rate is affordable in India. You just need to look out for one online to know what’s available for you.

    • Harry Juneja says:

      I recently got my Beat insured through HDFC Ergo. I believe they offer low car insurance rate in India. I am quite happy with their customer care team.

  33. Rahul Verma says:

    Do they give insurance on low rates? I am looking forward to insure my brand new Volkswagen Polo. Wish I would get budget car insurance from them.

    • Ankur Gupta says:

      If budget car insurance plan is your aim, don’t depend on a specific company. You should go online and browse for quotes. Comparing quotes will help you come across a plan that offers you protection facilities according to your requirements and budget.

    • Sapna Sachdeva says:

      This is right. One of my friends suggested the same for budget car insurance plan. Earlier I was sceptical but then decided to try out the method. This is magical. I just needed to look for some quotes from home and got information on premium and cover facilities. This helped me a lot to decide on the best plan.

  34. Jyoti Sharma says:

    Which company is offering insurance for Ford classic? How much should I pay for classic car insurance plan?

    • Hina Chabra says:

      The classic car insurance plan is offered by almost all insurance companies in India. It all depends on what you are looking for in a plan. If you simply wish to abide by the law, go for third party insurance. In case, you want to look for serious protection cover for your car, buy a comprehensive insurance plan for your car.

    • Shweta Sharma says:

      The comprehensive classic car insurance cover is the best bet for your car. It will give you third party protection as well as protection from a wide variety of unforeseen risks such as a natural calamity, accident, etc.

  35. Aarti Verma says:

    Knowing about car insurance price before is something I would generally prefer to know before investing in it. I have home loan insurance and a health insurance plans to pay for. So budget is the major concern for me.

    • Akshita Soni says:

      This is quite understandable. However, finance experts usually recommend not paying attention to car insurance price. The primary elements to focus on are the cover amount, features and claim process of the company.

    • Abhinav Sisodiya says:

      You don’t need to worry about car insurance price despite having home insurance and health insurance. The best thing to do is to buy car insurance from the same company. This will help you get discounts on the insurance. Most companies provide their customers with discounts if they buy multiple products.

  36. Abhijeet Sawant says:

    How do you find car insurance quote online? Do I need to look for a specific website for the same?

    • Raunak says:

      I have used car insurance quote online and would surely recommend it to all. This process has helped me save a lot of money.

    • Rickey Malhotra says:

      No. These quotes are usually offered by insurance companies. You may place a request at some of these sites. Once you collect at least 7-8 car insurance quote online, just compare these thoroughly before deciding on the best.

  37. Akshita Soni says:

    How to get cheap car insurance? I don’t really believe in the concept. The best thing to do is focus on cover facilities offered by the company.

    • Sameer Malik says:

      Most people focus on how to get cheap car insurance. But I believe it should be about getting comprehensively covered for your car. This is the best way to ensure maximum cover.

    • Piyush Rajput says:

      If you wish to know how to get cheap car insurance, get in touch with a financial advisor. They know what’s the best in the market.

  38. Nikhil Sharma says:

    Looking for instant car insurance plans? Well, this is easy online. Simply search for the best plan at low rates and you are all set to cover your car from potential unforeseen situations.

    • Sowmya Singhaniya says:

      If you wish to get instant car insurance, go online. This is the best way to insure your car without having to pay a lot of money.

  39. Niharika says:

    How to make car insurance comparison in India? Is it really necessary to get the best?

    • Puja Sharma says:

      Experts usually recommend using quotes for car insurance comparison in India. These are widely available online. The best part is that you don’t need to pay anything for these quotes.

    • Shikha Khandelwal says:

      This is true. Car insurance comparison in India can be done through quotes. These offer detailed information on car insurance so that you can choose one that suits your needs.

  40. Mahima Bhatt says:

    What are the best car insurance providers in India? Since there are many, I’m not able to make up my mind on any one of them.

    • Diljeet Singh says:

      Some of the best car insurance providers in India include ICICI, HDFC Ergo, Kotak Mahindra, and Max New York Life.

    • Shruti Singh says:

      Well, this really depends on the company you wish to make a deal with. Do you wish to deal with private car insurance providers or public ones? There are different companies dealing with these sectors. LIC and UTI are the leading players in the public sector.

  41. Nikki Bhadoria says:

    What car policy insurance policy are you looking for? Do you wish to protect your car from a huge number of risks? If yes, then it is important to get a comprehensive plan.

    • Ashok Sharma says:

      I agree on this point. The best car policy insurance can be decided on via using quotes. My uncle recommended these informative pieces for me once. I decided to try these and was surprised to realise the amount of money it saved on my new car insurance plan. Try it out guys!

    • Meera Sharma says:

      I have recently bought car policy insurance for my car. It is the third party insurance. It doesn’t cost me a lot. I am happy.

  42. Sana Verma says:

    Do cheap car insurance companies exist in India?

    • Himanshu says:

      Do you expect premium quality cover for peanuts? Well, if you really do in this world of recession and economical challenges then cheap car insurance companies do exist!

    • Aman Suri says:

      Cheap car insurance companies don’t exist but cheap plans for motor vehicles do. They may not offer you extensive cover but basic plans to cover you against legal liabilities. These aren’t really helpful if you get into a serious trouble or a real expensive damage to your car.

  43. Bobby Jatt says:

    How to get free car insurance quotes? Is it possible to get them from the insurance agent?

    • Manju Banerjee says:

      You may ask your agent but he is not obliged to provide you with free car insurance quotes. So you may request him to do so.

    • Ankur Gupta says:

      Don’t go anywhere. These free car insurance plan quotes are available on the internet. There are some specific sites that help you with these quotes. You may even request official websites of insurance companies to provide you with quotations.

  44. Chintu Singh says:

    Where can I get a family car insurance plan from? I wish to get a protection plan for the entire family; me, my wife and my 6 year old son. They travel with me very often. How do I cover them against potential risks?

    • Ritika Verma says:

      I don’t think any of the insurance companies in India offer family car insurance. However, you may insure the passengers travelling with you. You must get in touch with the company to know about such covers.

    • Dolly Bindal says:

      There is no special family car insurance offered in India. Bharti Axgi offers Personal Accident cover for Passengers. This ensures a compensation of 1 lakh INR for the passengers travelling in the car at the time of accident. The claim is reimbursed I the event of death/permanent total disablement. This is additional cover. You need to pay extra for this protection cover. You can go for an accidental cover facility for co-passengers up-to 2 Lac INR offered by ICICI. This is not an additional cover.

  45. Shivangi Malhotra says:

    Which is the best car insurance in India? How can I get one?

    • Dinesh Kartik says:

      Which is the best car insurance in India? This is the most frequent question asked by people across the nation when they plan to cover their motor vehicle. With my experience, I believe ICICI offers the best car protection cover. These are extensive and at the same time very affordable.

    • Pooja Sen says:

      If you wish to know which is the best car insurance in India; it is good to go for quotes.

  46. Radha Bhatnagar says:

    Car insurance brokers offer assistance on insurance information. How do I get in touch with them? Is internet the right place?

    • Naman Mudgal says:

      Car insurance brokers? You mean agents? Yeah! They offer detailed information on plans sold by companies they work for. Make sure you are getting in touch with a licensed agent to be on safer side.

    • Anisha Chaudhary says:

      It is better to visit the official website of a car insurance company. This is better than speaking to several car insurance brokers. This may waste your precious time.

  47. Roshan Singh says:

    Which is the best car insurance company India? How do I know about it?

    • Pratbha Thakur says:

      Buying the best car insurance company India will keep your money safe. It is your hard earned money and you need to invest it in the right place.

    • Megha Rajpoot says:

      There’s nothing as the best car insurance company India. The best company is one that offers you the perfect plan that suits your requirements and budget ideally.

  48. Malaika Khan says:

    Which is the best car insurance policy in India? I had this question in my mind since the day I thought of investing in an insurance plan. But now that I have a plan with ICICI, I feel it is the best insurance company to be associated with. They have the best customer care service.

    • Shiv Shankar Tiwari says:

      To know which is the best car insurance policy in India may be tricky. After all there are a huge number of them. Speak to your known ones to known their personal experience with a specific company.

    • Asna Kavil says:

      Which is the best car insurance policy in India? My vote goes for TATA AIG. I had a good experience with them.

  49. Anil Sharma says:

    Car insurance prices are rising high! Really worried as it is mandatory by law and there’s no way to skip it. I am also having a health insurance plan to pay for.

    • Ragiini Malhotra says:

      Get quotes online. You would definitely get lower car insurance prices. Comparing plans offered by various companies will help you get a plan that is best suited for you in all aspects.

  50. Harpreet Sharma says:

    It is not possible to do anything about increase in car insurance prices. However, there are certain ways to reduce premium rates on the insurance plan you invest in. installing anti-theft devices, getting an ARAI membership, etc. will get you attractive discounts from the company.

  51. Anjali Sharma says:

    What is more profitable? Car insurance buy online or investing in a plan through an agent? Please help me.

    • Rehman says:

      Car insurance buy online process is a better option. This offers a lot of opportunities to save money. And if you are short of time, this is the best option in hand!

    • Ritesh Sharma says:

      The option of car insurance buy online is the best. I bought insurance plan online for Xylo a year back. I am quite happy with the response. This is definitely a time, money and effort saver. I will highly recommend it to all my friends. Go for it guys!

  52. Aditi Gupta says:

    Looking for affordable car insurance quotes? The World Wide Web is the right place to be in. Gather a handful of these quotes and start comparing them. You would also come across websites that compare insurance plans for you! You simply need to feed in some details and get the job done instantly! This is a simple process.

    • Priyanka Sen says:

      The best way to save money on car insurance is to get affordable car insurance quotes. These are widely available on the World Wide Web. All you need to do is get these quotes online and look for what’s precisely offered by the best insurance companies in India and at what rates. Thereafter, you must compare these quotes for the protection they offer, additional benefits, claims process, and premium rates. Choose a company that best caters to your requirements at lowest prices! Good luck!

    • Manmohan Singh says:

      Getting affordable car insurance quotes is the best way to get car insurance plan at low rates. You need to collect at least 8-10 quotes from different companies and compare them for your requirements and budget. You will definitely get an insurance plan best suited for your requirements.

  53. Rashmi Upadhayay says:

    What’s the difference between new car insurance premium and the old (second hand one)? Will the company charge more for insurance on brand new car insurance?

    • Rohit Kumar says:

      No. There’s no difference between new car insurance premium and the old one. It all depends on the kind of insurance plan you wish to buy. The cover opted for and the additional facilities opted for will make all the difference.

    • Rohan Sharma says:

      Don’t think there’s really a difference between new car insurance premium and premiums charged on insurance for old / second hand cars. It is still better to get in touch with the company representatives or visit their official website directly to know about the plan and premium rates better.

  54. Santosh Shrivastava says:

    How can I get quotes for car insurance plans? Are they really genuine?

    • Arpita Mittal says:

      Quotes for car insurance offered by insurance companies are highly reliable. They offer genuine information on various plans offered by insurance corporations in India.

    • Raman Tiwari says:

      Getting quotes for car insurance plan will help you a lot. I have been using these for buying insurance plans for quite some time now.

  55. Aditi Sinha says:

    Are cheap car insurance for students available in India? I am a college post graduate student and looking forward to insure my TATA Nano. Will I get some discounts?

    • Shiva says:

      Do Indian companies really provide cheap car insurance for students? Actually I’m not sure about special plans for students. Try ICICI or Bharti axa. They may offer special plans for students.

    • Prachi Desai says:

      This depends on how you drive your car, the driving record and classes attended for driving. Cheap car insurance for students is available in India based on their road performance and vulnerability of car to certain causalities.

  56. Ashok Malhotra says:

    Is car insurance third party plan the only plan I must focus on buying? How is it different from comprehensive plans offered?

    • Vinay Sarser says:

      The car insurance third party plan is mandatory by law. It is the minimum protection plan requirement for any car to be on road in India. Buying only this cover is quite an affordable deal.

    • Ritika Bansal says:

      The car insurance third party plan offers protection against legal liability owing to accidental damages resulting in the permanent injury or death of an individual, and damage caused to the surrounding property. The plan will also offer you protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property. But if you are expecting anything more than this, such as cover for theft, damage in accidents, natural calamity etc. then this is not the plan for you. You must go for a comprehensive insurance plan. This plan will also offer you third party protection. Of course, there is a huge price difference between the two plans. Since the third party offers limited cover, it is cheaper.

  57. Sudha Gurjar says:

    How can I get instant car insurance quotes? Can you provide me with a link for the same?

    • Natasha Malhotra says:

      You can get to know about the best out of the two plans via getting instant car insurance quotes online and comparing them. These are for free and will provide you with detailed information on various motor insurance plans offered by leading insurance companies of India.

    • Sujeet Kumar says:

      There is no need to visit a specific website that provides instant car insurance quotes. Simply type ‘car insurance quotes’ on a search engine box and you will come across with many hundreds of sites offering these plans. Leading insurance websites also offer these quotes on their websites.

  58. Vipin Rathod says:

    Are cheap student car insurance plans available in India? Where can I apply for the same?

    • Aman Khurana says:

      No. Special cheap student car insurance plans are not available in India. You need to settle for either third party protection plan or a comprehensive insurance plan.

    • Varsha Dixit says:

      I have never come across a cheap student car insurance plan. Is it really available in India? Please let me know. I’d like to buy one for my daughter.

  59. Vidya Nanda says:

    How to make car insurance claims? I have heard that it is a process full of hassles.

    • Ajitendra Singh Tomar says:

      Smooth car insurance claims process depends on the company you are dealing with. It is better to buy insurance from a company that has higher claims settlement ratio.

    • Rakesh Yadav says:

      The best way to make car insurance claims is to go online. This saves a lot of your time and efforts.

  60. Amresh says:

    Quotes on car insurance? Get them now. Nothing is better than buying insurance via comparing quotes.

    • Parm Khurana says:

      The quotes on car insurance plan are a boon for modern day insurance buyers. These are the best sources for finalising on a premier quality insurance plan at cheaper rates.

    • Sonali Khanna says:

      For the best policy, you need to rely on quotes on car insurance plan. Simply look for some online and compare these for your specific needs.

  61. Wazir Sherawat says:

    Cheap online car insurance? Get some insurance quotes online. Comparing these will help you get the best plan at highly affordable rates. Good Luck!

    • Devika Sharma says:

      It is not wise to run after cheap online car insurance plans. If a cheap plan is not capable of offering you a wide range of protection from potential risks, then it is definitely not worth it!

    • Nisha Thakre says:

      Cheap online car insurance plan is definitely a concern. But you must not make it your only requirement. You need a lot, lot more than just a discount.

  62. Koyal Bajaj says:

    If you wish to buy cheap car insurance plan, look for one online. This is the best place to look for discounts.

    • Abhijeet Rana says:

      I want to buy cheap car insurance for my Maruti SX4. It is a brand new car.

    • Aarushi Agrawal says:

      It is possible for you to buy cheap car insurance plan for your Maruti SX4. Get some quotes online and compare these for your protection plan requirements.

  63. Rekha Rani says:

    What are the benefits of buying car insurance online? Will I get some attractive offers and discounts?

    • Prashant Kumar says:

      There are a huge number of benefits you can enjoy via buying car insurance online. Some of these include saving of money, time, energy, and comparing quotes.

    • Vansh Kaur says:

      Yes, many leading companies in India offer discounts to their customers buying car insurance online straightaway from their official website. This saves them the commission that is usually given out to the insurance agents. The savings are waged out to customers in the form of discounts and additional offers.

  64. Ajay Soni says:

    What is the role of car insurance quotations? I think finding them and comparing these will be quite a hassle.

    • Faizal Khan says:

      No. Car insurance quotations are the easiest way to buy an insurance plan for motor vehicle. There are no hassles. All you need to do is go online from the privacy of your home and get quotes from at least 5-7 insurance companies. Thereafter, you need to compare these plans for your specific insurance requirements. This will save you a lot of money too.

    • Divyani says:

      The car insurance quotations are the best source for buying a policy at the lowest possible price. I would recommend this to all my friends who are looking forward to buy an insurance plan.

  65. Gulpanag says:

    Which is the best car insurance? Any recommendations?

    • Divyansh Bhargav says:

      Which is the best car insurance? This depends on a number of things. Which car are you looking forward to insure? How old it is? Is it protected with anti-theft devices? What kind of protection cover are you looking for? The answers to these questions will give you a perfect answer! All the best!

    • Prachi Mathur says:

      Which is the best car insurance? This is the question that has been ruining my sleep for a long time now. Presently, I am looking for a plan that is affordable.

  66. Hitesh Prajapati says:

    I am looking for a car cheap insurance plan for my second hand Maruti 800. Any suggestions? I don’t want to spend a lot on this plan.

    • Vikas Khanna says:

      For second hand car, it is always better to go for minimum protection cover. This will depend on the kind of protection you want for your car. Go for minimum and show a decent driving record to the company to be eligible for car cheap insurance plan. Good Luck!

    • Jehnat Ali says:

      The best thing to do is to invest in third party car insurance plan. This is the minimum protection cover mandatory by law. This is also very cheap. This way, you will be able to get car cheap insurance plan for your second hand Maruti 800.

  67. Mehtani Shant says:

    How to get no deposit car insurance? Is the facility available in India?

    • Prachi Mathur says:

      The no deposit car insurance can be received only through a few no deposit car insurance quotes online. The no deposit car insurance benefit is extremely valuable for a driver that has no financial means. This is not widely available in India. You must speak to a company representative for same.

  68. Neetu Agrawal says:

    I want to buy a car repair insurance plan. It should cover me for repair of car parts and various other risks. What should I opt for?

    • Abhishek Sikarwar says:

      ICICI offer car repair insurance. It will offer compensation for repair of damaged parts and replaced parts of the car. You need to check their policy terms before making a decision.

    • Johrat says:

      Tata AIG also offers car repair insurance. It will reimburse you for repair and replacement of car parts. But it is always good to get in touch with the company to know what precisely is offered.

  69. Neetu Sharma says:

    What is the cheapest car insurance plan? Is it available for my Fortuner?

    • Deepika says:

      If you are looking for the cheapest car insurance plan, it is better to look for quotes. These are widely available on the internet. Since these are free, you can get as many as them.

    • Rajnikaant says:

      There are websites that offer you information on the cheapest car insurance plans. These sites also compare insurance quotes for you. This way, you will be able to get a plan that is the most affordable and best suited for your car. All the best!

  70. Akash Chaturvedi says:

    How to buy car insurance plan? I am confused between the option of buying online and offline. Should I contact an agent?

    • Vineet Jain says:

      Have you adopted any of these methods earlier? Then try the other one to know the difference. Hope I have answered the question ‘how to buy car insurance’. Good luck!

    • Sadhana Shakya says:

      How to buy car insurance? This is no rocket science. But being a modern customer who believes in the technological advancement, I would definitely go for the internet option.

  71. Himani Kumari says:

    Which are the most affordable car insurance companies in India?

    • Aman Sahni says:

      None of them! They all operate as per the laws of IRDA and charge the same. But if you still wish to know about the most affordable car insurance companies, get quotes online and get into a thorough comparison.

    • Shradha Sharma says:

      The most affordable car insurance companies in India are the private companies as they offer many attractive deals and discounts to survive the competition. So it is better to buy one from a private insurance company such as ICICI Lombard, HDFC Ergo etc.

  72. Shobha Singh says:

    Where can I get a list of car insurance companies India?

    • Jagdish Verma says:

      There are many car insurance companies India that offer the best plans to customers at affordable rates. Here is a list of leading car insurance companies in India:

      ICICI Lombard

      United India Insurance Ltd
      HDFC Ergo

      TATA AIG

      Bharti Axa

      Oriental Insurance

      Mahindra Insurance

      Future Generali

      PNB Motor Insurance

      Axis Motor Insurance

    • Jaspreet Sharma says:

      There are many car insurance companies India. Buy a plan really depends on your specific needs. These companies offer different plans and facilities. Knowing what each offers will help you decide on one that is the best for you.

  73. Hemant Bajpai says:

    Can I skip insurance car policy? I have a health insurance policy. It will cover me for health problems in the event of an accident.

    • Amanat Ali says:

      No. You cannot escape from buying insurance car policy even if you have a health insurance policy. Having a car insurance policy is mandatory by law. You need to at least invest in third party insurance plan. Without one, you will not be allowed to drive car on road.

    • Diwakar Ji says:

      Having a health insurance plan will not suffice. There are many other things a insurance car policy cover you for including loss or damage to your vehicle against natural calamities, Loss or damage to your vehicle against man-made calamities, personal accident cover, and third party legal liability.

  74. Anamika Tiwari says:

    The car insurance renew process is very difficult. You require getting in touch with the company. Sometimes, the company asks for several documentation and visits from the customers for the same. Is there any other alternative?

    • Vivek Thakur says:

      This is not true. The car insurance renew has become really easy to avail these days. Try out renewing your policy on the internet. This will save a lot of your time, energy, and money.

    • Shikha says:

      Yes, online car insurance renew process is the best. This saves a lot of time on your part. You can renew plan anytime you want from home. The process is very easy!

  75. Deependra Jadon says:

    What is the best car insurance prices in the current market? How do I know about the best premium amount for my insurance plan?

    • Sanajna Yadav says:

      In order to calculate car insurance prices accurately, you need to use a premium calculator. These are widely available on the internet. You simply need to fed in some requisite details to get on the website for the same.

    • Rohan Malviya says:

      The best car insurance prices can be calculated online using a premium calculator. The process is very simple and takes very little time.

  76. Basanti says:

    I couldn’t pay premium for my car insurance for about 4 months. How to deal with the lapsed car insurance policy? Will I still be able to get insurance benefits?

    • Harshit Saxena says:

      If you have lapsed car insurance policy, then you must get in touch with a professional. Simply check out the lowest premium for your car using quotes from various providers, and go for an insurance plan that suits your budget and needs. Here, you must understand that it is not a renewal case. You would also lose out on all your No Claim Bonuses.

    • Varun David says:

      Lapsed car insurance policy is not good for you, your car and investments you have made in the past. Lapsing of insurance policy results from failing to pay premiums on time and ultimately, you end up paying the costs for the full period of insurance policy. The costs are deducted from amount invested. Hence, you end up getting nothing! So it is important to pay insurance premium on a regular basis and stay insured always.

  77. Akash Kumar says:

    There are many types of car insurance policies offered in India. It has become really difficult to choose a specific type of plan from an insurance company. I am looking for a plan that provides the best of protection for me. Please suggest an affordable plan for me.

    • Rupali Rajput says:

      In India, there are two basic types of car insurance policies offered by insurance companies. These are: Third party insurance plan and comprehensive insurance plan. It depends on your requirements and budget which one you choose. However, In India, it is mandatory to have at least, third party liability insurance in hand when driving vehicle on road.

    • Neha Chaudhary says:

      There are many types of car insurance policies that you may choose for your car. The two major ones are comprehensive and third party liability insurance plan. The comprehensive Car Insurance policy for your car helps in keeping your car secure against damage caused due to natural and man-made calamities such as acts of terrorism. You can also avail protection for Own Damage, Personal Accident and Liability cover in a single policy. On the other hand, the third party insurance plan will cover you against legal liability arising due to accidental damages resulting in the permanent injury or death of an individual. It will cover damage caused to the surrounding property. This plan will offer protection against legal liability owing to accidental damages resulting in the permanent injury or death of a person. The damage caused to the surrounding property is also covered.

  78. Sonam Sharma says:

    Are you looking for free car insurance quotes? If yes, then you need to trust the power of World Wide Web. The internet will help you know the best plan for your car.

    • Devika Pandit says:

      The free car insurance quotes offered online these days will help you get the best plan. These quotes offer information on various plans by Indian insurance companies. This way, you will come to know about the best plan by insurance companies and one that suits you.

    • Ramesh says:

      I was told about free car insurance quotes by my friend. She bought insured her Honda accord through quotes. Her recommendation inspired me to look for quotes online and compare them for my requirements and budget. She was right! The quotes are magical. They save a lot of time, money and efforts on our part! Awesome.

  79. Vansh Pratap says:

    How to make car insurance claim? Do I need to get in touch with my agent? Please help me. I wish to insure my car without any problem.

    • Versha Bansal says:

      Does your company allow for car insurance claim requests online? If yes, then this is the best way to make a claim. Simply go online and fill up the claim form. The representatives will immediately get in touch with you.

    • Yash Rajawat says:

      You need to file car insurance claim form along with the necessary documents. Once the claim form is filled and filed along with the necessary documents. Thereafter, the surveyor attends the claim within 24 hours from the time of intimation. He will take photographs, calculate, guesstimate and notify measured up estimates to the user within 24 hours of assessment. The surveyor carries out re-inspection and company makes payment to the workshop/ garage according to the assessed estimation of surveyor and releases release document proof. The insured individual requires submitting the original bill, proof of release and cash receipt to the surveyor. Thereafter, the surveyor then sends the claim file to the Insurance Company. The company reimburses the customer within 7 working days from the date of receipt of claim file.

  80. Akash Mehrotra says:

    I have a comprehensive car insurance policy from Reliance.I forgot to put the handbrake on my car due to which it rolled off and has been damaged. Will the damage be covered if i state the true cause of accident in the claim?

  81. Sneha Garg says:

    To get the claim fast, you need to buy the best insurance policy for car. Choosing the best insurance company is important too. Look for a company that has maximum claim settlement ratio. This will help you when making a claim.

    • Jiya Mishra says:

      Yes, this is true. The best insurance policy for car will not create problems with claim. Hence, it is good to go for a company that has been good at offering claims. A company that is good at claims reimbursement is the best one to invest in.

    • Naveen Desai says:

      The best insurance policy for car is available with the leading insurance organizations of India such as ICICI, HDFC ERGO, TATA AIG, Bharti AXA, Bajaj Allianz, LIC etc. You may search the net to find out some of the other best companies operating in India.

  82. Shankar says:

    Can I purchase car insurance online special plan for luxury car? Is there a special plan available for the same? Also is there a company that precisely deals with luxury car insurance plans?

    • Roshni says:

      If you wish to save time, it is good to purchase car insurance online. The process can be undertaken from the privacy of your home. All you need to do is look for the best plan as per your insurance requirements.

    • Purohit Sharma says:

      If you wish to purchase car insurance online, then it is important to know that there is no special plan available for the same. However, you may require paying higher premiums for insurance on luxury high end cars.

  83. Aman Rathore says:

    How many types of car insurance policies in India are accessible to car owners? I want to buy one soon. Any suggestions for me?

    • Yogita Bhatia says:

      There are two types of car insurance policies in India offered for car owners. One of them is the comprehensive and the other is third party insurance. The third party plan is the mandatory plan offered to customers in India.

    • Mandeep Talwar says:

      One of the best types of car insurance policies in India is the comprehensive insurance plan. It is offered to ensure extensive cover for vehicle owners. It will cover you for loss or damage to your vehicle against natural calamities, loss or damage to your vehicle against man-made calamities, personal accident cover, and third party legal liability.

  84. Pooja Kumare says:

    Will buying only 3rd party car insurance India suffice? I don’t want to spend a lot of money on buying insurance plan.

    • Suraj Kumar Sharma says:

      Yes, it will suffice if you wish to insure yourself only against damage done to third party life or property. The 3rd party car insurance India is the minimum requirement for car owners in India.

    • Namrtia says:

      The 3rd party car insurance India plan is important if you wish to go for a minimum plan that is affordable too.

  85. Raju Srivastava says:

    Which is the best car insurance company in India? Can I refer to a website that offers me the best insurance plan in India?

    • Salim says:

      The best car insurance company in India is the one that has a reliable and strong record for reimbursement of claims in the industry.

    • Vishnu says:

      If you are looking for the best car insurance company in India, it is always better to trust a company that has a long standing in the industry. Relying on a fairly new company is not good.

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