How to Choose the Right Car Insurance in India

Step 1: Pick the policy type

Third-party only meets the legal minimum. Comprehensive cover is the sensible choice for most cars under about ten years old.

Step 2: Set the right IDV

A low IDV reduces the premium but also reduces what you receive if the car is stolen or written off. Keep it close to the car's market value.

Step 3: Choose add-ons wisely

• Zero depreciation: valuable for the first few years.
• Engine protection: useful in flood-prone cities.
• Return to invoice: for new cars, covers the gap to on-road price after total loss.
• Roadside assistance: helpful for frequent highway drivers.

Step 4: Protect your NCB

The No Claim Bonus can significantly reduce your own-damage premium over claim-free years. For small repairs, paying yourself can be cheaper than losing the NCB. An NCB protector add-on is available from many insurers.

Step 5: Renew on time

Renew before the policy lapses. A lapse can mean a vehicle inspection and the loss of your NCB if it continues beyond the insurer's grace period.