Comprehensive car insurance from ₹2,094/year. Zero depreciation, cashless garages, and flood cover — we compare 15+ insurers and get your policy issued same day.
While her neighbours paid ₹55,000 for the same engine flood damage, Priya paid nothing. The difference? A ₹1,100 add-on her Cover Credit advisor insisted she needed.
Last reviewed: June 2026 — Cover Credit Advisory Team
Yes — comprehensive insurance covers flood damage, including water ingress into the engine and electrical system. However, if you start a flooded engine and it fails (hydrostatic lock), the claim can be denied. With Engine Protection add-on, even this is covered. Given Hyderabad's flood risk, this add-on is one we always recommend here.
Standard comprehensive insurance deducts depreciation on plastic, fibre, rubber, and metal parts — meaning you pay the depreciated portion out of pocket. Zero-dep eliminates these deductions and you receive full part replacement costs. For cars under 5 years old, the add-on costs ₹600–₹1,500 more per year but saves thousands during claims. We strongly recommend it.
Most people overpay by renewing with the same insurer without comparing. The same cover — or better — can cost ₹1,000–₹2,500 less per year with a different insurer. Your NCB transfers when you switch. We compare all insurers in real time and show you the best rate before you decide. Switching takes 10 minutes and is completely safe.
IDV (Insured Declared Value) is the maximum amount your insurer will pay if your car is stolen or totalled. Setting IDV too low saves a small amount on premium but means a large shortfall in a total loss claim. Setting it too high means you overpay premium. We help you set the correct market value IDV — protecting you in the worst case without overpaying.
1. Register the claim with the insurer helpline immediately after the incident. 2. Take your vehicle to any network cashless garage — no upfront payment needed. 3. Surveyor inspects and approves the repair scope. 4. Garage repairs the car and bills the insurer directly. 5. You collect the car and pay only your voluntary excess (if any). The entire process typically takes 3–7 days.
Yes. The GST exemption announced in September 2025 applies only to individual life and health insurance — motor insurance, including car insurance, continues to attract 18% GST on the premium, exactly as before.
The compulsory deductible is a fixed amount you always pay per own-damage claim — it cannot be waived and is set by your engine's cubic capacity. A voluntary deductible is an extra amount you choose to bear yourself in exchange for a lower premium. We help you pick a voluntary deductible level that actually saves you money without overexposing you at claim time.
Engine Protection covers damage to internal engine parts caused by water ingress, hydrostatic lock, or oil/lubricant leakage — none of which are covered even by Zero Depreciation alone. Given Hyderabad's monsoon flooding, especially in low-lying areas, this is one of the add-ons we recommend most often alongside flood cover.
If your car is stolen or declared a total loss, standard comprehensive insurance pays the depreciated IDV — not what you originally paid. RTI cover bridges that gap, paying the original invoice price including RTO charges and road tax. It's most valuable for cars under 2–3 years old, where the gap between IDV and invoice price is largest.
Under the Motor Vehicles Act, every car must carry at least third-party liability cover — driving without it is a punishable offence. Third-party-only cover protects others but pays nothing for your own car's damage. New cars are required to carry a 3-year third-party policy at the time of purchase. Comprehensive cover (which bundles own-damage with third-party) is optional but strongly recommended for any car under 7 years old.
15+ insurers. Same-day policy. Average saving ₹1,200/year — with equal or better coverage. Takes 2 minutes.