Car Insurance

Car Insurance or motor insurance as commonly referred to, helps to protect the losses you might incur while driving on a busy road. The loss could be a result of an accident or theft.

Types of Car Insurance:

Car insurance is of Three types - Third Party Liability Coverage, Own Damage and Comprehensive Coverage.

  • Third Party Liability Coverage: 

    Third Party Car Insurance covers you against any legal liability to a third party resulting on account of an accident, when you are at-fault driver. It covers damage/injury caused by you to another person/property. A Third Party Liability cover is legally mandatory in India under the Motor Vehicles Act.

  • Own Damage: 

    Own Damage Coverage protects the insured financially against damage to his/her own car. It pays the insured for damage caused by collision. Damage/loss due to theft or vandalism is not included in collision coverage.

  • Comprehensive Coverage: 

    A Comprehensive insurance Policy would also provide cover for costs incurred towards "own damage" apart from liability towards third party. The own damage cover would provide insurance against the repair costs to your car in the event of an accident, and also cost of repair of damage due to an unfortunate event like earthquake, flood or other unforeseen calamity. The policy coverage can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc.

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