New Car and Bike Insurance, Done Right
Your new vehicle needs the right insurance on day one. We explain the options in simple words.
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- Simple advice in plain words
- Help with renewals and claims
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Overview
About new vehicle insurance
A new vehicle cannot be registered without valid insurance. For new cars, third-party cover is usually sold for 3 years. For new two-wheelers, it is usually 5 years.
Own damage cover is usually bought for 1 year at a time. Some insurers may offer a longer own damage option. For a new vehicle, add-ons like zero depreciation and return to invoice are worth a look.
What is covered
- Long-term third-party cover as required
- Own damage cover for accident, fire and theft
- Add-ons for a new vehicle: zero depreciation, return to invoice, engine protection
- Personal accident cover for the owner-driver
What is not covered
- Wear and tear and breakdown
- Damage from illegal use or no licence
Good to know
Tips for new vehicle buyers
- Compare the dealer's insurance offer with other options before you pay.
- Check the IDV is based on the vehicle's listed price.
- Ask about return to invoice for a total loss in the first years.
- Keep the invoice and registration papers safe.
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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Read guideCar Insurance Add-Ons Explained: Which Ones Do You Really Need?
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Read guideWhat Is Car Insurance? Types, Benefits and Cover Explained
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Read guideFAQs
Questions about new vehicle insurance
Do I have to buy insurance from the dealer?
No. You can choose your own insurer and advisor. Compare before you decide.
What is return to invoice cover?
It is an add-on that may pay the invoice value if your new vehicle is stolen or totally lost, as per the policy.
Why is third-party cover 3 or 5 years?
Long-term third-party cover for new vehicles helps make sure vehicles are not on the road uninsured.
Can I take own damage for 1 year only?
Yes. Own damage is usually taken for 1 year and renewed each year.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.