Types of Car Insurance in India

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Different Types of Car Insurance in India: Meaning & Coverage Explained

Types of Car Insurance plans in India


Third party

A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.



A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.




Car Insurance Coverage

Car Insurance Add-ons

The other important thing that is available only with a comprehensive insurance cover, are some important addons. Let’s see what they are:

Zero Depreciation cover

Your car depreciates i.e; the market value drops by very passing day since its purchase. This cover ensures that your car is just as valuable as the insurer will not consider depreciation during the final settlement. Know more about Zero Depreciation Car Insurance.

Engine Protection cover

This covers the financial protection for damages caused to the engine and gear box in case of water damage, leakage of lubricating oil etc. Know more about Engine Protection cover.

Roadside Assistance (RSA)

This cover comes handy when you’re stranded on the road due to car breakdown. The RSA will come to your rescue and repair your car or take it to the nearest service center.  

Consumable cover

This covers the consumables of your car. This includes the lubricating oil, nuts, screws and bolts etc. 

Return to Invoice cover

This ensures that in case of theft or total loss you get the ex-showroom price of your car as a compensation and not just the IDV or market value. Know more about RTI in car insurance.

Passenger cover

Passenger cover ensures that not only you but everyone else who is travelling with you, or the passengers in the car are covered too against any emergency.

Tyre Protect Cover

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

Which is a better Car Insurance?