Third-party is the law. Comprehensive is smart. We compare every insurer, every plan — and get you covered in minutes. No paperwork. No waiting.
Renewing at the same insurer every year without comparing is costing you money. We compare 15+ insurers in real time and find you the best deal — every time.
The law requires Third-Party. But only Comprehensive truly protects your vehicle. Here is exactly what you get with each.
A real advisory session from our office. No upselling. No pressure. Just clear advice on what you actually need — and what you can skip.
Third-party is the legal minimum — it covers damage to others. But it does not cover your own vehicle at all. If your car gets damaged in an accident, floods, or gets stolen, third-party pays nothing. For any vehicle under 7 years old, we strongly recommend comprehensive cover. The extra cost is typically ₹2,000–₹4,000 per year — far less than a single repair bill.
Standard comprehensive insurance deducts depreciation from your claim payout — meaning you pay part of the repair out of pocket. Zero Depreciation (Zero-Dep) means the insurer pays 100% of the repair cost with no deductions. It costs ₹600–₹1,200 extra per year and is highly recommended for cars under 5 years old. We always recommend it unless the car is very old.
Every year you do not make a claim, you earn a discount on your premium — starting at 20% and going up to 50% after 5 consecutive claim-free years. This NCB belongs to you, not the vehicle. If you switch insurers, your NCB transfers. However, any claim resets it to 0%. We help you decide whether a small claim is worth making or better paid out of pocket to protect your NCB.
For renewal: your existing policy number and vehicle registration number — that is it. For a new policy: RC book copy, previous policy (if any), and your driving licence. For commercial vehicles: additional permit and fitness certificate documents may be required. We handle the entire paperwork process for you.
Step 1: Call the insurer helpline immediately and register the claim. Step 2: Take your vehicle to a network cashless garage — no upfront payment needed. Step 3: Surveyor inspects the vehicle and approves repairs. Step 4: Vehicle repaired and you drive out. For reimbursement claims at non-network garages: repair first, submit bills, and the insurer pays within 7 working days.
Yes, but a lapsed policy (expired for more than 90 days) may require a fresh inspection of the vehicle before the new insurer accepts it. It can also result in loss of your accumulated NCB. If your policy lapses, contact us immediately — we help you get re-insured with minimum hassle and advise on NCB protection options.
Takes 2 minutes. We compare 15+ insurers and find your best rate — same coverage, lower price. Policy issued digitally, same day.