We would love to hear from you!
Share your experience and feedback to help us serve you better.
Share Your Experience
Your feedback means a lot to us.
Protect your car against accidents, theft, fire, and third-party liability with the right car insurance policy. At E-Insure First, we help you compare car insurance plans online from leading insurers and choose suitable coverage based on your vehicle, driving habits, and budget.
Compare premiums, policy benefits, add-on covers, and exclusions before buying or renewing your car insurance online.
1M+
Happy Customers
30+
Insurers Compared
Multiple
Plans Compared
IRDAI
Compliant Partners
*Terms and conditions apply.
Get Car Insurance Quotes
Share your vehicle and contact details. Our car insurance advisor will contact you with suitable plans.
Compare available car insurance options in one place.
Review premiums, coverage, and add-on benefits.
Understand policy exclusions and claim conditions.
Get guidance when selecting suitable coverage.
Explore insurers offering cashless garage facilities.
Receive assistance with buying, renewing, and understanding claims.
Compare car insurance plans based on premium, coverage, add-ons, garage network, and claim services to find suitable protection for your vehicle.
| Rank | Insurance Company | Plans/Options | Best For | Key Highlights | Action |
|---|---|---|---|---|---|
| 1 | ICICI Lombard General Insurance | Available car insurance plans | Drivers comparing digital services | Explore policy benefits, digital claim services, and garage network | Get a Quote |
| 2 | HDFC ERGO General Insurance | Available car insurance plans | Car owners seeking cashless repairs | Compare coverage, cashless garage access, and available add-ons | Get a Quote |
| 3 | Bajaj Allianz General Insurance | Available car insurance plans | Buyers comparing add-on options | Review policy choices, coverage, and add-on pricing | Get a Quote |
| 4 | TATA AIG General Insurance | Available car insurance plans | Buyers comparing dealer and insurer options | Explore available coverage and service facilities | Get a Quote |
| 5 | IFFCO Tokio General Insurance | Available car insurance plans | Buyers comparing service reach | Review available policies, benefits, and garage facilities | Get a Quote |
| 6 | SBI General Insurance | Available car insurance plans | Buyers comparing insurer options | Compare policy coverage and claim support | Get a Quote |
| 7 | Go Digit General Insurance | Available car insurance plans | Digitally oriented buyers | Explore digital purchase and claim services | Get a Quote |
| 8 | Cholamandalam MS General Insurance | Available car insurance plans | Buyers comparing garage access | Review coverage options and garage network | Get a Quote |
| 9 | Royal Sundaram General Insurance | Available car insurance plans | Buyers comparing private insurers | Compare available plans, benefits, and services | Get a Quote |
| 10 | New India Assurance | Available car insurance plans | Buyers considering a public-sector insurer | Explore available motor insurance coverage | Get a Quote |
This list is for comparison purposes and is not a ranking of insurer performance. Confirm current plan names, features, premiums, and availability with the insurer before purchasing.
Disclaimer: Car insurance benefits, premium amounts, exclusions, and add-on availability vary by insurer, vehicle, and customer details. Review the policy wording before making a purchase.
Car insurance is a policy that helps protect you against eligible financial losses arising from vehicle accidents, theft, fire, and liability for damage or injury caused to third parties.
Third-party car insurance is legally mandatory for cars used on Indian roads. Comprehensive insurance includes third-party liability and can also cover damage to your own vehicle from insured events.
At E-Insure First, you can compare car insurance plans online, review available benefits, and choose a policy that suits your vehicle and budget.
Choosing a suitable car insurance policy becomes easier when you compare important details before purchasing.
Review available car insurance plans, premiums, coverage, and add-ons in one place.
Get assistance understanding policy features and selecting suitable protection for your car.
Explore insurers with cashless garage facilities and check which network garages are available near you.
Understand the claim process, required documents, and differences between cashless and reimbursement claims.
Review coverage, exclusions, deductibles, and premium details before making your decision.
Understanding how car insurance works can help you choose suitable protection and prepare for unexpected expenses.
Rahul owns a car that he uses for commuting and family travel. He wants protection against third-party liability as well as damage to his own vehicle in an accident.
He decides to compare available car insurance plans before choosing a policy.
Rahul compares third-party and comprehensive policies, checks premiums, reviews the Insured Declared Value (IDV), and considers relevant add-on covers.
He selects a policy based on his vehicle's value, usage, and budget.
A few months later, Rahul's car was damaged in an accident. The repair estimate is significant, and he contacts his insurer to understand the claim process.
Rahul follows the insurer's instructions and submits the required documents. Depending on his policy, the damage, and the claim approval, he may use an eligible cashless garage or pay for repairs and apply for reimbursement.
The insurer assesses the claim under the policy terms and settles the approved amount after accounting for applicable deductibles, exclusions, and other conditions.
Rahul can use the experience to review his coverage and renewal requirements before his next policy period.
This is an illustrative example. Actual claim outcomes depend on the policy, incident details, documentation, and insurer approval.
Third-party car insurance covers eligible legal liability for injury, death, or property damage caused to another person or their property by the insured vehicle.
It is the legally required minimum cover for cars used on Indian roads. However, it does not cover damage to your own car.
Comprehensive car insurance combines third-party liability with own-damage protection for insured events such as accidents, theft, fire, and specified natural disasters.
It may also offer optional add-ons, depending on the insurer and policy.
Standalone own-damage insurance covers eligible damage to your own car. It must be paired with valid third-party insurance to meet the legal requirement.
It can be useful when your existing third-party policy remains active but your own-damage cover has expired.
Zero depreciation is an add-on rather than a separate standard policy type. It reduces or removes depreciation deductions on eligible parts during a claim, subject to the add-on's terms and limits.
Before buying or renewing car insurance, check the vehicle and documentation requirements.
| Criteria | Specifications |
|---|---|
| Vehicle | Eligible private car or other vehicle category accepted by the insurer |
| Vehicle Ownership | Registration and ownership details must be provided accurately |
| Registration | Existing registration number or applicable new-vehicle details |
| Vehicle Information | Make, model, variant, fuel type, engine number, and chassis number, as applicable |
| Previous Policy | Required information for renewal and continuity checks |
| No Claim Bonus | Declare the correct NCB status when applicable |
| KYC Requirements | Documents requested by the insurer, depending on the transaction |
| Premium Payment | Payment for the selected policy and add-ons |
| Vehicle Inspection | May be required in certain cases, including some expired policies |
The exact eligibility and documentation requirements depend on the insurer, vehicle, and type of policy.
Car insurance coverage depends on whether you select third-party, comprehensive, or standalone own-damage insurance.
Covers eligible legal liability arising from injury, death, or property damage caused to third parties by the insured vehicle.
Compensation for injury or death is determined under applicable law. Third-party property damage is subject to the applicable policy limit.
Comprehensive and standalone own-damage policies can cover damage to your car caused by insured events such as accidents, subject to policy conditions.
Comprehensive policies generally cover vehicle theft, subject to the terms, exclusions, and claim requirements.
Eligible policies can cover damage to your car caused by fire, subject to policy wording.
Comprehensive insurance may cover vehicle damage caused by floods, cyclones, earthquakes, and similar insured events.
Personal accident cover for the owner-driver may provide benefits up to ₹15 lakh, subject to eligibility and applicable requirements. Exemptions may apply in specified circumstances.
Optional covers can extend protection through benefits such as roadside assistance, engine protection, zero depreciation, and return to invoice, subject to their terms.
Where selected and available, this add-on can cover eligible items such as nuts, bolts, and engine oil during an insured repair.
Depending on the selected cover, roadside assistance may provide towing, battery support, minor repairs, or emergency fuel assistance.
Every car insurance policy has exclusions and conditions. Understanding them helps you avoid unexpected expenses during a claim.
Routine deterioration and normal wear and tear of vehicle parts are generally excluded.
Depreciation deductions may apply to parts during own-damage claims unless an applicable add-on changes the treatment.
Claims arising while driving without a valid licence may be excluded or affected under the policy terms and applicable law.
Losses arising from driving under the influence of alcohol or drugs are generally excluded.
Breakdowns unrelated to an insured event are generally not covered under standard own-damage insurance.
Using a privately insured car for commercial purposes when that use is not covered can affect claim eligibility.
Losses caused by war or war-like activities are generally excluded under standard policies.
Damage outside the policy's insured events, limits, or conditions may not be payable.
Always review your policy schedule, exclusions, deductibles, and add-on terms for the exact scope of protection.
The premium depends on several vehicle and policy factors.
| Factor | Effect on Premium |
|---|---|
| Insured Declared Value (IDV) | A higher IDV generally increases the own-damage premium |
| No Claim Bonus (NCB) | An eligible NCB reduces the own-damage premium |
| Car Accessories | Additional insured accessories may increase the premium |
| Age of the Car | Vehicle age and depreciation influence the insured value |
| Geographical Location | The applicable rating zone can affect pricing |
| Add-On Covers | Selected add-ons generally increase the premium |
| Policy Type | Comprehensive cover usually costs more than third-party-only cover |
Insured Declared Value (IDV) is the insured value used for certain own-damage claim calculations, including eligible theft and total-loss claims. It is not necessarily the car's current resale value.
The following is an indicative schedule. Actual IDV calculations depend on applicable rules, vehicle age, and insurer terms.
| Vehicle Age | Indicative Depreciation |
|---|---|
| Up to 1 year | 5% |
| After the 2nd year | 20% |
| After the 3rd year | 30% |
| After the 4th year | 40% |
| After the 5th year | 50% |
| From the 6th year onward | May vary year by year |
Add-ons provide optional benefits beyond standard policy coverage. Their availability, exclusions, and limits vary by insurer.
| Add-On Cover | What It Does |
|---|---|
| Zero Depreciation Cover | Reduces or removes depreciation deductions on eligible parts |
| Engine Protection Cover | Covers specified engine damage, subject to policy terms |
| Roadside Assistance | May include towing, battery support, minor repairs, and emergency fuel |
| No Claim Bonus Protection | Helps preserve NCB after an eligible claim, subject to conditions |
| Return to Invoice Cover | May pay the original invoice value in specified theft or total-loss situations |
| Daily Allowance | May provide an allowance for alternative transport during eligible repairs |
| Consumables Cover | Covers specified consumable items during eligible repairs |
| Passenger Personal Accident Cover | Provides eligible accident benefits to covered passengers |
| Ambulance and Medical Expenses | Covers specified ambulance or medical costs if included |
| Key Replacement Cover | Helps cover eligible lost or damaged car-key replacement costs |
Choose add-ons based on the additional protection you need, not simply the number of benefits offered.
No Claim Bonus is a discount on the eligible own-damage premium for maintaining a claim-free policy history.
NCB belongs to the policyholder, not the vehicle. Subject to applicable rules, it can generally be transferred to another vehicle or insurer when eligible.
| Claim-Free Period | Indicative NCB Discount |
|---|---|
| 1st claim-free year | 20% |
| 2nd claim-free year | 25% |
| 3rd claim-free year | 35% |
| 4th claim-free year | 45% |
| 5th claim-free year onward | Up to 50% |
A claim may affect your NCB at renewal unless an applicable protection benefit changes the outcome. Check your policy conditions before making a small claim.
Before choosing an insurer, compare more than the premium.
Review the insurer's background, available customer feedback, and published information.
Check whether the insurer has suitable network garages near your home or workplace.
Understand how to report an incident, submit documents, and obtain repair approval.
Review the availability of online support, phone assistance, and claim-tracking facilities.
Compare published claim data carefully, including the reporting period and the methodology used. A claim settlement ratio alone does not guarantee that a particular claim will be approved or settled quickly.
Check whether you can purchase, renew, access documents, and track claims online.
Buying car insurance online allows you to compare available options and select suitable protection.
Provide your car registration number or select the new-car option if the vehicle is not yet registered.
Compare available policies by premium, coverage, exclusions, add-ons, and service features.
Choose third-party insurance or comprehensive cover based on your vehicle and protection needs.
Consider optional benefits such as zero depreciation, engine protection, and roadside assistance, where available.
Check the insured value and declare your correct claim-free history.
Read the coverage, exclusions, deductibles, and add-on conditions before finalising the purchase.
Complete payment through the available payment methods.
After successful processing, check your policy document and keep it accessible.
Renew your car insurance before expiry to help maintain continuous protection.
Provide the registration number and the information requested by the insurer.
Compare renewal premiums, coverage, and add-on options.
Confirm your claim-free discount and existing policy details.
Retain or change add-ons based on your current needs and the available options.
Review the final premium and complete payment through an available method.
Check the renewed policy document and confirm that the vehicle and coverage details are correct.
If your policy has expired, an inspection or additional steps may be required before the insurer issues the policy.
Follow the insurer's claim procedure promptly after an accident, theft, or other insured incident.
Report the incident as soon as possible and follow the insurer's instructions.
Check whether an eligible cashless repair or reimbursement claim is appropriate.
Provide the required claim form, policy details, vehicle documents, and supporting evidence.
The insurer assesses the incident and the claimed damage under the policy terms.
The insurer settles the approved amount, subject to deductibles, exclusions, and policy conditions.
For theft and certain third-party incidents, a police FIR or report may be required.
Keep these documents ready as applicable:
The insurer may request additional documents based on the incident and claim type.
The RC helps confirm the vehicle details, which may include:
For renewal, keep the following information available:
Depending on the insurer and transaction, you may be asked for identity or other documents, such as:
The exact document requirements depend on the insurer, vehicle, and purchase or renewal process.
Car insurance can provide financial and legal protection when unexpected incidents occur.
Helps cover eligible expenses arising from insured vehicle damage and third-party liability.
Third-party car insurance helps meet the mandatory insurance requirement for cars used on Indian roads.
Comprehensive policies can cover eligible losses caused by theft and fire.
Available add-ons can extend protection to suit your car and driving habits.
Eligible claim-free years can help reduce the own-damage premium at renewal.
Digital purchase and renewal options make it easier to compare plans and manage policy documents.
Choosing the right car insurance policy can be confusing when many plans and add-ons are available. E-Insure First helps you compare options and understand important policy details before making a decision.
Review available plans from leading insurers based on premium, coverage, and add-on options.
Understand the differences between third-party, comprehensive, and standalone own-damage insurance.
Check insurer garage networks and confirm whether a suitable garage is available near you.
Review the claim process, required documents, deductibles, and policy exclusions.
Compare premiums alongside benefits to identify a policy that meets your needs.
Get support understanding policy options and the online purchase or renewal process.
With E-Insure First, you can compare car insurance options, review coverage details, and make a more informed decision.
Ready to Protect Your Car?
Compare available car insurance plans and request a quote based on your vehicle details and coverage needs.
Share your experience and feedback to help us serve you better.
Your feedback means a lot to us.