Car Insurance

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What is Car Insurance Plan?

Car insurance is a type of policy that provides financial protection for a car owner in case of an accident, theft or damage caused to the vehicle. In exchange for a regular payment, the insurance company takes on the financial risk involved in these situations. 

Car insurance offers different coverage options to a customer, such as liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured coverage. Each of these coverage options protects different aspects of the vehicle and driver.

When purchasing a car insurance policy, it is important to read through the terms carefully and ensure you have enough coverage to protect you in the event of an accident.

Personal Accident Cover

24x7 Roadside Assistance

Cashless repair at network garage

9+ add-ons to choose from

Upto 50% NCB discount

Instant policy with zero paperwork

No Claim Bonus

Invoice Cover

Types of Insurance Policies

Stated below are the types of car insurance

Policychayan Services 00
3rd Party Insurances

The policy offer coverage for a third person’s death and the third person’s accidental loss or damage and the property damage caused by the 3rd party.

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Policychayan Services 01
Comprehensive Plan

Both third-party and standalone ODs are covered in the comprehensive car insurance policy. Under this policy you can get cashless repair services at the network garages.

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Policychayan Services 02
Standalone OD Policy

This insurance policy provides coverage to the insured car against accidental damages. You can buy it with the third-party car insurance policy simultaneously.

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Policychayan Services 03
Zero Depreciation Policy

The zero depreciation policy helps you get the complete claim amount without any depreciation counted.

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Features of the Car Insurance Policy

Mentioned below are some good features of the car insurance policy:-

  • 1 The policy offers a large network of garages to the insured vehicle.
  • 2 Provides 360 protection to the car against any accidental crisis
  • 3 Covers damage due to theft or fire & is mandatory by the law
  • 4 Loss due to natural calamities like earthquakes typhoons etc are covered.
  • 5 Covers loss to the car due to human activities such as riots and terrorist activities.
  • 6 Provide third-party property damage loss injury and death.

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Type of Vehicles protected under Motor Insurance
Type of Vehicles protected under Motor Insurance
Below are the damages or loss covered under motor insurance::
  • Loss or damage to the vehicle caused by an accident is covered.
  • Loss or damage due to theft fire or self-ignition.
  • Financial liabilities due to death or injury of 3rd party & damage to the property.
  • Loss or damage due to natural calamities.
  • Damage due to riots strikes or terrorist activities is covered.
Below are the damages or loss not covered under motor insurance::
  • The driver did not have a valid driving licence.
  • The driver was under the influence of drugs or alcohol.
  • Normal wear & tear to the tyre/tubes or to the vehicle is also not covered.
  • Vehicle being used for a purpose not mentioned in the policy.
  • Accident occurred outside the geographical location mentioned in the policy.

Compare from Leading Issuers in India.

How to buy a car insurance policy online and factors to consider before purchasing it?

Follow the steps listed below to buy the most suitable car insurance policy online from Policychayan:

  • 01Go to the official website of and click on motor insurance
  • 02Go down to the car insurance page and enter the details.
  • 03Choose any one between brand new car or proceed without car number.
  • 04Answer the requested details of the registration form and proceed to the next.
  • 05Compare and select the plan that best suits your budget and needs.
  • 06Pay its premium online via credit or debit cards/UPIs/ net banking.
  • 07Once done you will get the soft copy of the policy document emailed as well as later through a courier to your home address.

Factor 1


Check all the coverage inclusions and exclusions in the policy.

Factor 2

Claim Settlement Ratio

Check out the CSR of the company to make sure you’ve got a good insurer.

Factor 3

Add-On/Riders Benefit

It is good to buy a policy with an add-on or rider advantage.

Factor 4

Online Comparison

Compare plans online and select the one that suits your budget.

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Frequently Asked Questions

Purchasing car insurance is compulsory in India. Although car insurance provides 360° protection to your precious car and the third person’s vehicle during an accidental crisis.

IDV (Insured Declared Value) is the maximum claim amount paid by your insurance provider if your vehicle is stolen or totally damaged.

To get a duplicate copy of your insurance policy online log in to your account on the official website of your insurance provider enter the required details and get a duplicate copy instantly on your email.

Contact your car insurance company on the phone or check for the availability of your car insurance plan online at your insurer’s official website.

Yes buying a car insurance policy online is totally valid and legal by the motor vehicle laws of India. Just ensure that you purchase the policy from an IRDAI-approved company or aggregators.

Know your requirements compare all the plans as much as you can and select anyone according to your budget.