What Is Car Insurance?

Car insurance, or four-wheeler insurance, is not just a legal contract between you - the policyholder - and a general insurance company; it is a financial plan designed to protect your vehicle and offer financial relief in times of unexpected events.

This legal agreement ensures your peace of mind by covering damages from accidents, theft and third-party liabilities.

Having motor insurance is not just a prudent financial decision; it is a legal requirement. As per the Motor Vehicles Act of India, having a valid third-party liability auto insurance plan is compulsory for all vehicles on the road.

However, if you seek a balance between affordability and complete coverage, it is advisable to buy comprehensive car insurance online. It offers extensive protection and ensures peace of mind with coverage for the car, the owner-driver and 3rd party liabilities.

car insurance policies are designed with the customer in mind, offering a suite of benefits:

  • Comprehensive coverage- Vehicle theft protection, own-damage cover and third-party liability protection
  • Protection for YOU- Get personal accident cover up to ₹15 lakhs for the owner-driver
  • Affordable car insurance prices- Balancing protection and affordability so you don’t have to compromise on either
  • Reliable claim process- Seamless settlements, real-time claim tracking and a 100% claim settlement ratio*
  • Exclusive add-ons- From Nil Depreciation Cover and 24x7 Roadside Assistance to dedicated covers for electric vehicles (EVs)
  • Pay-as-you-drive- Our Limit Sure allows you to pay premiums basis the distance driven
  • Hassle-free purchase and renewal- Buy or renew your policy with just a few clicks on our user-friendly platform

Features of Car Insurance

Car Insurance stands out for its comprehensive coverage, customer-centric features and competitive pricing.
Car Insurance Premium
Insurer's provides competitive car insurance prices, ensuring affordability without sacrificing coverage. This approach guarantees top-notch protection for your vehicle at a price that suits your specific budget.
No Claim Bonus in Car Insurance
Enjoy up to a 50% discount* on car insurance premiums after five claim-free years with insurer's NCB in insurance. This reward system encourages safe driving and claim-free records.
Discount on Car Insurance Prices
Insurer's offers premium discounts for car insurance online purchases. This digital convenience allows policy comparison and procurement from home, making savings accessible with a few clicks.
Seamless Claim Process
Insurer's boast a 100% claim settlement ratio* for FY 2023-24. Insurer's claims settlement process is enhanced by transparent video claims and real-time tracking, ensuring a smooth and reassuring experience for policyholders.
Quick Claim Survey
Report a claim and receive a call for a survey within 48 hours from us. This prompt response guarantees a swift, efficient and seamless claim settlement process, prioritising your convenience.
Limit Sure Cover
The Pay-As-You-Drive option aligns your premium with your car's mileage. This innovative approach offers a fair and flexible premium system, ensuring you pay proportionately to your vehicle's usage.
Third-Party Damages
Covers all third-party liabilities, offering comprehensive protection against legal and financial consequences of damages, injuries or deaths caused to others by your vehicle.
Own-Damage Cover
This coverage safeguards your car against damages from accidents, theft, fire, vandalism, and both natural and man-made disasters, ensuring your peace of mind in a range of scenarios.
Personal Accident Cover
A mandatory cover providing financial protection for the owner-driver in the event of death or permanent disability resulting from an accident involving the insured vehicle, emphasizing safety and security.
Wide Range of Add-Ons
Customise your comprehensive car insurance with various add-ons like Nil Depreciation, Engine Protection and Return to Invoice among others, for enhanced coverage tailored to your specific needs.
Buy/Renew Car Insurance Online
PlanCover simplifies the process of purchase and car insurance renewal online. This convenience streamlines policy issuance, making it easy for policyholder to maintain continuous coverage effortlessly.
Dedicated Customer Support
PlanCover's customer support is available round-the-clock to assist with purchases, claims, enquiries and any other insurance-related needs, ensuring you have the support you need, whenever you need it.