Car Insurance: Protect Your Car at the Right Price
Compulsory third-party cover, own damage cover and useful add-ons. Tell us about your car and we will help you pick the right plan.
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- Simple advice in plain words
- Help with renewals and claims
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Overview
About car insurance
Your car is a big spend, and one accident can cost a lot. Car insurance pays for damage to your car and for harm you cause to other people, as per your policy.
In India, third-party cover is compulsory by law. Most owners also take a comprehensive plan, which adds cover for their own car. At Insurance Kro we explain every option in simple words, so you buy only what you need.
What is covered
- Accident damage to your own car (own damage cover)
- Fire, explosion and self-ignition
- Theft of the car
- Natural calamities like flood, storm and earthquake
- Man-made events like riot or strike
- Third-party injury, death and property damage
- Personal accident cover for the owner-driver
What is not covered
- Normal wear and tear
- Mechanical or electrical breakdown
- Driving under the influence of alcohol
- Driving without a valid licence
- Using a private car as a taxi
- Damage when the policy has expired
Good to know
How to choose the right car insurance
- Check the IDV. It is the maximum amount paid if the car is stolen or totally lost.
- Pick add-ons by your car's age and use, like zero depreciation for newer cars.
- Look at the insurer's cashless garage list near your home.
- Renew on time so you keep your No Claim Bonus.
- Read what is not covered before you buy.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
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FAQs
Questions about car insurance
Is car insurance compulsory in India?
Yes. Third-party insurance is compulsory for every vehicle under the Motor Vehicles Act, 1988. Driving without it can lead to a fine and possible jail time.
What is the difference between third-party and comprehensive car insurance?
Third-party cover pays for harm to other people and their property. Comprehensive cover includes third-party and also pays for damage to your own car.
Can I buy insurance for an old car?
Yes. Old cars can be insured. The IDV is lower because of depreciation, and some add-ons may not be offered for older cars.
Which documents do I need?
Usually the RC copy, previous policy copy, driving licence and ID proof. Your Insurance Kro advisor will tell you exactly what is needed.
How can I lower my car insurance premium?
Renew on time to keep your NCB, choose the add-ons you really need, and consider a voluntary deductible. Avoid small claims when you can.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.