Compare • Choose • Get Covered — in Minutes
Trusted by 1 Lac+ Doctors across India
Access to 15,000+ Cashless Garages
India’s leading insurance broker dedicated to serving Doctors
99.2%+ claim settlement ratio with CoverNow
Best comparison from Top 10 Insurance Companies
In-House Claim Settlement Team for faster resolutions
24/7 Dedicated Support with End-to-End Claim Assistance
Recommended by Top Medical Associations
💡 Want the BEST price for your car insurance?
Just share your previous year's policy copy — we'll do the rest!
Mandatory by law. Covers injury, death, or property damage caused to a third party.
Covers damage due to accident, fire, theft, natural disasters, riots, or vandalism.
Financial protection against injury, disability, or death of the owner-driver.
Optional covers like Zero Depreciation, Engine Protect, RSA, RTI & NCB Protection.
Repairs can be done at network garages with direct bill settlement by the insurer.
Annual and multi-year policy renewal options available as per regulations.
Get up to 50% discount on renewal premium for claim-free years.
Compensation if the vehicle is stolen or damaged beyond economical repair.
Covers losses due to floods, earthquakes, cyclones, riots, and strikes.
Covers legal liabilities and offers annual or multi-year policy renewal options.
Fast | Transparent | Convenient
Buy motor insurance online within minutes — no paperwork or physical forms required.
Online policies cost less due to zero agent commission and exclusive digital discounts.
Compare premium, coverage, add-ons and claim ratios to choose the right policy.
Policy documents available instantly with easy online renewal anytime.
Customize your policy with zero depreciation, engine cover, NCB protection and more.
Claims, renewals, inspections and corrections done online without branch visits.
Automated alerts ensure timely renewal and prevent policy lapse.
Pay safely via UPI, net banking or cards with encrypted transactions.
Clear visibility of terms, IDV, add-on pricing and claim settlement ratios.
No office visits or agent meetings — buy or renew anytime, anywhere.
| Type | Meaning |
|---|---|
| Cashless Claim | Insurer directly pays garage from authorized network |
| Reimbursement Claim | Customer pays first and gets reimbursed later |
| Total Loss / Theft Claim | If repair cost >75% of IDV or theft → insurer pays IDV value |
| Do’s | Don’ts |
|---|---|
| Inform insurer immediately | Do not repair vehicle before survey |
| Take photos & videos at the spot | Do not admit fault at accident spot |
| Keep DL, RC & policy updated | Do not delay FIR in theft cases |
| Use network garage for cashless benefit |
📌 In Short:
Inform → Inspect → Repair → Submit Documents → Settlement
Stay informed. Avoid mistakes. Ensure your claim is always approved.
If the insurance policy is not active at the time of accident or damage, the claim is rejected.
Claim is denied if the driver has no licence, expired licence, or wrong licence class.
If the driver was under alcohol or drugs, insurers legally reject the claim.
Using a private vehicle commercially or for illegal purposes voids the claim.
Reporting beyond 24–48 hours may lead to rejection due to verification issues.
Repairs done before surveyor inspection can reduce or deny the claim.
Fake bills, wrong accident details or forged documents lead to claim rejection.
Mechanical failure, wear & tear, depreciation and electrical issues are not covered unless specified.
Large modifications without RTO or insurer approval may void claims.
FIR is mandatory in theft, major accident, injury or death cases.
Incorrect owner, vehicle or claim details can cause claim rejection.
What is Motor Insurance?
Is motor insurance mandatory in India?
Difference between Third-Party & Comprehensive insurance?
What is IDV?
What is No Claim Bonus (NCB)?
Can I transfer NCB to a new car?
What is Zero Depreciation cover?
Cashless vs Reimbursement claim?
Is FIR required for all claims?
What happens if policy renewal is missed?
Does insurance cover passengers?
Can I modify my vehicle after buying insurance?
Nagpur, Maharashtra
My car claim was handled quickly. The cashless garage tie-up saved me a lot of effort.
Pune, Maharashtra
The premium felt a little on the higher side, but the coverage and service during repairs made it worth it.
Mumbai, Maharashtra
I had doubts about add-on covers, but the team explained everything clearly. Overall, a smooth experience.
Amravati, Maharashtra
The claim took a few extra days, but the process was transparent and handled fairly.
Kanpur, Uttar Pradesh
Claim settlement took slightly longer than expected, but communication was clear throughout.
Meerut, Uttar Pradesh
The staff was helpful and explained all policy terms clearly before purchase.
Prayagraj, Uttar Pradesh
The cashless repair facility worked well. I didn’t have to arrange money upfront.
Lucknow, Uttar Pradesh
Premiums are reasonable and the service team responds promptly.
New Delhi
My claim took much longer than I expected, and the process felt frustrating at times. I had to follow up multiple times for updates. While the claim was eventually settled, I feel the turnaround time could definitely improve.
South Delhi
I compared several insurers before choosing this one. The guidance was clear and claim support was quick.
West Delhi
My car had a minor accident and the claim was settled without any hidden charges.
Rohini, Delhi
The service was prompt. The team followed up regularly until my claim was closed.
East Delhi
The staff was polite and explained the policy clearly.
Mangaluru, Karnataka
Roadside assistance arrived quickly during a breakdown. I felt supported.
Hubballi, Karnataka
The cashless garage facility worked smoothly. The repair process was stress-free.
Mysuru, Karnataka
I was initially confused about coverage, but everything was explained patiently.
Bengaluru, Karnataka
Premiums are competitive and the service has been reliable.
Ludhiana, Punjab
Good service overall. My claim was settled fairly.
Amritsar, Punjab
Cashless repair worked as promised. The staff was helpful.
Jalandhar, Punjab
The premium is reasonable and I feel secure with this motor insurance.
Kolkata, West Bengal
The policy explanation was detailed and easy to understand.
Howrah, West Bengal
The claim took some time, but the process was fair and transparent.
Jaipur, Rajasthan
The staff explained the policy clearly and answered my questions.
Udaipur, Rajasthan
The claim process was smooth. There were no unexpected issues.
Bhilwara, Rajasthan
Premiums are competitive and the service is dependable.
Ajmer, Rajasthan
Overall, a transparent and satisfactory experience.
Raipur, Chhattisgarh
I was initially unsure about the claim process, but the support team guided me properly.
Bilaspur, Chhattisgarh
The service has been reliable and communication was clear.
Ranchi, Jharkhand
The staff was helpful and explained the policy well.
Dhanbad, Jharkhand
My claim was processed fairly and without complications.
Patna, Bihar
Motor insurance details were explained clearly. Good service.
Ahmedabad, Gujarat
The premium is competitive and my claim was settled without dispute.
Rajkot, Gujarat
Helpful staff who explained the policy clearly.
Vadodara, Gujarat
The cashless garage facility worked smoothly.
Panaji, Goa
Good brand presence. Motor insurance options were explained clearly.
Dehradun, Uttarakhand
The staff was supportive and explained the policy well.
Haridwar, Uttarakhand
My claim was processed fairly and without issues.
Shimla, Himachal Pradesh
Good service. Motor insurance details were explained properly.
Guwahati, Assam
There was some documentation involved, but once completed, the claim was settled fairly.
Silchar, Assam
The staff was helpful and explained the policy clearly.
Coimbatore, Tamil Nadu
The team was helpful and explained the motor insurance clearly.
Madurai, Tamil Nadu
Good service overall. I feel secure with this coverage.
Tiruchirappalli, Tamil Nadu
The claim settlement took time, but it was handled fairly.
Faridabad, Haryana
Good customer service. The policy details were explained clearly.
Gurugram, Haryana
I was initially confused, but the team clarified everything patiently.
Panipat, Haryana
The claim settlement was transparent and the staff was helpful.
Vijayawada, Andhra Pradesh
Helpful staff who explained the motor insurance clearly.
Guntur, Andhra Pradesh
My claim was processed fairly without unnecessary delays.
Visakhapatnam, Andhra Pradesh
The cashless garage facility worked well.
Bhubaneswar, Odisha
The team was helpful and explained the motor insurance clearly.
Chandigarh
Good service. The policy was explained in detail.
Lucknow, Uttar Pradesh
I was unhappy with the settlement amount as it was lower than what I expected. The policy terms were explained later, but I wish the deductions had been clearer at the time of purchase.