Car Insurance
Car insurance that gets you back on the road, fast
Compare comprehensive and third-party plans from India's top insurers, pick only the add-ons you need, and get an advisor on your side when you claim.
- Cashless repairs at network garages across India
- Keep your no-claim bonus when you switch insurers
- Claim guidance, from intimation to survey to repair
Car Insurance advice
Step 1 of 3
- Cashless repairs at network garages across India
- Keep your no-claim bonus when you switch insurers
- Claim guidance, from intimation to survey to repair
Compare car insurance from leading insurers
Before you choose
Costly car insurance mistakes we fix
These only show up at claim time. An advisor checks for every one of them before recommending a plan.
Low IDV for a cheap premium
A lower insured value saves a little now and costs a lot after a total loss.
Losing your no-claim bonus
A gap in renewal or a small claim can wipe out years of NCB.
Skipping zero-dep on a new car
Without it, depreciation on plastic, rubber and metal parts comes out of pocket.
Third-party only
It's legal, but it doesn't pay for damage to your own car.
What your advisor checks for you
- IDV vs. market value
- NCB carried over correctly
- Add-ons you need (and don't)
- Deductibles and depreciation
- Cashless garages near you
- Claim process and documents
Renewal premium went up?
Check whether the increase is normal before you pay.
Check my renewal Or talk to an advisor →Find the right fit
Types of car insurance
Not sure which one you need? Our advisors will help you combine them the smart way.
Know what you're buying
What's covered, and what isn't
We explain the fine print before you buy, not after you claim.
Usually covered
- Accidental damage to your car, including collisions and overturning
- Theft of the car, paid out at its Insured Declared Value (IDV)
- Fire, explosion and lightning
- Floods, cyclones, storms, earthquakes and landslides
- Riots, strikes and malicious damage
- Third-party injury, death or property damage you're legally liable for
- Personal accident cover for the owner-driver
- Add-ons like zero depreciation, engine protection, roadside assistance and return to invoice
Usually not covered
- Normal wear and tear, and mechanical or electrical breakdown
- Driving without a valid licence, or under the influence of alcohol or drugs
- Engine damage from driving through water, unless you have an engine-protection add-on
- Depreciation on replaced parts, unless you have a zero-depreciation add-on
- Using a private car for commercial purposes, like taxi or delivery work
- Damage to your own car under a third-party-only policy
Coverage varies by insurer and plan. Always check the policy wording, we'll walk you through it.
The PolicyBench difference
How we help you, start to finish
Compare honestly
We put plans side by side on IDV, add-ons, deductibles and garage network, not just the premium.
Set the right IDV
Too low and theft or total-loss claims fall short; we help you pick a value that reflects your car.
Claim guidance
From intimation to survey to repair, we explain each step and help you deal with the insurer and garage.
Renew on time
Reminders before expiry so your no-claim bonus is protected and you never drive uninsured.
Claims made simple
How a claim works
Two ways to claim. Either way, our advisors guide you at every step.
Cashless claim
At a network garage
- 1Tell us or the insurer about the accident, file an FIR if there is theft or a third-party injury
- 2Take the car to a network garage; the insurer appoints a surveyor to inspect it
- 3Insurer approves the repair estimate; we track the approval and resolve queries
- 4Garage repairs the car and the insurer pays it directly, you pay only the deductible and any non-covered parts
Reimbursement claim
At any garage
- 1Inform the insurer before repairs start, so a surveyor can inspect the damage
- 2Get the car repaired at a garage of your choice and keep all bills and receipts
- 3Share documents with us, we check them for gaps and file the claim
- 4Approved amount is transferred to your bank account
Customer stories
Real help when it mattered
Sample stories for the demo, to be replaced with real customer reviews.
“Before renewal they compared my policy with three other options. Kept my NCB, saved money on renewal. Simple.”
FAQs
Car Insurance questions, answered
Is car insurance mandatory in India?
Yes. Under the Motor Vehicles Act, 1988, every car on the road must have at least third-party insurance. Driving without it can lead to a fine of ₹2,000 for a first offence and ₹4,000 for a repeat offence, and/or imprisonment of up to three months.
Comprehensive or third-party: which should I buy?
Third-party cover only pays for damage you cause to others. A comprehensive policy also covers your own car against accidents, theft, fire and floods. For most cars, especially newer ones, comprehensive cover is the sensible choice.
What is IDV?
Insured Declared Value is the maximum the insurer will pay if your car is stolen or damaged beyond repair. It is roughly the car's current market value, the showroom price minus depreciation for its age.
What is a no-claim bonus (NCB)?
A discount on your own-damage premium for every claim-free year, rising from 20% to 50% over five years. The NCB belongs to you, not the car, so you can carry it to a new insurer or a new car.
Is zero depreciation worth it?
For cars up to about five years old, usually yes. Without it, the insurer deducts depreciation on plastic, rubber and metal parts, so you pay part of every repair bill yourself.
Can I switch insurers at renewal?
Yes. You can move to a new insurer at every renewal and keep your no-claim bonus. Renew before your policy expires to avoid a break in cover and a fresh inspection.
Should I claim for small damage?
Not always. A small claim can cost you your no-claim bonus, which may be worth more than the repair. Our advisors can help you work out whether a claim makes sense.
How is PolicyBench paid? Do I pay a fee?
You pay no fee to us. Our advisors are licensed insurance agents, and when you buy a policy through us the insurer pays us a commission set under IRDAI rules. For plans from insurers we are not appointed by, we still explain your options and you buy directly from that insurer.
Find the right car insurance today
Talk to a PolicyBench advisor. Clear comparison, honest advice and no pressure to buy.