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Why Choose CoverNow for Your Car Insurance?

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!

Key Features of Motor Insurance

Third-Party Liability Coverage

Mandatory by law. Covers injury, death, or property damage caused to a third party.

Own Damage (OD) Cover

Covers damage due to accident, fire, theft, natural disasters, riots, or vandalism.

Personal Accident (PA) Cover

Financial protection against injury, disability, or death of the owner-driver.

Add-On Covers

Optional covers like Zero Depreciation, Engine Protect, RSA, RTI & NCB Protection.

Cashless Repair Facility

Repairs can be done at network garages with direct bill settlement by the insurer.

Policy Renewal Flexibility

Annual and multi-year policy renewal options available as per regulations.

No Claim Bonus (NCB)

Get up to 50% discount on renewal premium for claim-free years.

Theft & Total Loss Coverage

Compensation if the vehicle is stolen or damaged beyond economical repair.

Natural & Man-Made Calamities

Covers losses due to floods, earthquakes, cyclones, riots, and strikes.

Legal Coverage & Policy Renewal

Covers legal liabilities and offers annual or multi-year policy renewal options.

Benefits of Buying Motor Insurance Online

Fast | Transparent | Convenient

Quick and Easy Process

Buy motor insurance online within minutes — no paperwork or physical forms required.

Lower Premiums

Online policies cost less due to zero agent commission and exclusive digital discounts.

Easy Policy Comparison

Compare premium, coverage, add-ons and claim ratios to choose the right policy.

Instant Policy Issuance & Renewal

Policy documents available instantly with easy online renewal anytime.

Easy Modifications & Add-Ons

Customize your policy with zero depreciation, engine cover, NCB protection and more.

User-Friendly Self-Service

Claims, renewals, inspections and corrections done online without branch visits.

Hassle-Free Renewal Reminders

Automated alerts ensure timely renewal and prevent policy lapse.

Secure Digital Payments

Pay safely via UPI, net banking or cards with encrypted transactions.

Complete Transparency

Clear visibility of terms, IDV, add-on pricing and claim settlement ratios.

Contactless & Convenient

No office visits or agent meetings — buy or renew anytime, anywhere.

Know the Claim Settlement Process

(For Motor Insurance)

Intimation of Claim

Inform the insurer immediately after the accident or damage.
You can notify via mobile app, toll-free number, website portal or email.
Share policy number, vehicle number, date, time, location and damage details.
Important: Inform within 24–48 hours as per insurer rules.

Inspection / Survey

Insurer appoints a surveyor to assess vehicle damage.
For minor claims, self-inspection via photos or video may be allowed.
Surveyor submits damage assessment report for claim approval.

Repairing the Vehicle

Choose between cashless or reimbursement repair.
Cashless: Repair at network garage, insurer pays directly.
Reimbursement: Repair anywhere, pay first and claim later.

Submission of Required Documents

Submit mandatory claim documents.
Policy copy, RC, Driving License, signed claim form.
FIR (for theft/major accident), repair bills & payment receipts.
Surveyor report where applicable.

Claim Settlement / Payment

Final settlement after claim approval.
Cashless: insurer pays garage directly.
Reimbursement: approved amount credited to your bank account.
Types of Claims
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 and Don’ts for Faster Claim
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

Why Do Motor Insurance Claims Get Rejected?

Stay informed. Avoid mistakes. Ensure your claim is always approved.

Policy Expired or Lapsed

If the insurance policy is not active at the time of accident or damage, the claim is rejected.

No Valid Driving Licence

Claim is denied if the driver has no licence, expired licence, or wrong licence class.

Drunk Driving or Drug Influence

If the driver was under alcohol or drugs, insurers legally reject the claim.

Vehicle Misuse / Not Declared

Using a private vehicle commercially or for illegal purposes voids the claim.

Delay in Claim Intimation

Reporting beyond 24–48 hours may lead to rejection due to verification issues.

Repair Started Before Survey

Repairs done before surveyor inspection can reduce or deny the claim.

Fraud or Misrepresentation

Fake bills, wrong accident details or forged documents lead to claim rejection.

Policy Exclusions

Mechanical failure, wear & tear, depreciation and electrical issues are not covered unless specified.

Unapproved Modifications

Large modifications without RTO or insurer approval may void claims.

FIR Not Submitted

FIR is mandatory in theft, major accident, injury or death cases.

Wrong Information at Policy Purchase

Incorrect owner, vehicle or claim details can cause claim rejection.

Frequently Asked Questions (Motor Insurance)

What is Motor Insurance?

Motor insurance provides financial protection against damage to your vehicle, third-party property, injury, death, or theft.

Is motor insurance mandatory in India?

Yes. Third-party insurance is mandatory under the Motor Vehicles Act.

Difference between Third-Party & Comprehensive insurance?

Third-party covers others’ injury or damage. Comprehensive covers third-party + your own vehicle damage.

What is IDV?

IDV is the current market value of your vehicle and defines the maximum claim payout.

What is No Claim Bonus (NCB)?

NCB is a premium discount (up to 50%) for not making claims in previous policy years.

Can I transfer NCB to a new car?

Yes. NCB belongs to the policyholder, not the vehicle.

What is Zero Depreciation cover?

Zero Dep cover allows full claim payout without depreciation deduction.

Cashless vs Reimbursement claim?

Cashless: insurer pays garage directly. Reimbursement: you pay first, insurer refunds later.

Is FIR required for all claims?

FIR is required for theft, major accidents, or third-party injury/death.

What happens if policy renewal is missed?

You may lose NCB, coverage gap protection, and need fresh inspection.

Does insurance cover passengers?

Passengers are covered only if PA or passenger add-on is purchased.

Can I modify my vehicle after buying insurance?

Yes, but major modifications must be declared and approved.

Customer Feedbacks

Amit Gadev

Nagpur, Maharashtra

My car claim was handled quickly. The cashless garage tie-up saved me a lot of effort.

Shailesh Kamkhedkar

Pune, Maharashtra

The premium felt a little on the higher side, but the coverage and service during repairs made it worth it.

Dr. Vijayshri Krishnan

Mumbai, Maharashtra

I had doubts about add-on covers, but the team explained everything clearly. Overall, a smooth experience.

Akshay Deogade

Amravati, Maharashtra

The claim took a few extra days, but the process was transparent and handled fairly.

Sharad Kumar

Kanpur, Uttar Pradesh

Claim settlement took slightly longer than expected, but communication was clear throughout.

Dr. Gaurav Garg

Meerut, Uttar Pradesh

The staff was helpful and explained all policy terms clearly before purchase.

Harsh Dwivedi

Prayagraj, Uttar Pradesh

The cashless repair facility worked well. I didn’t have to arrange money upfront.

Swati Tiwari

Lucknow, Uttar Pradesh

Premiums are reasonable and the service team responds promptly.

Rohit Malhotra

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.

Sweena Arora

South Delhi

I compared several insurers before choosing this one. The guidance was clear and claim support was quick.

Omvir Singh

West Delhi

My car had a minor accident and the claim was settled without any hidden charges.

Brijpal Singh

Rohini, Delhi

The service was prompt. The team followed up regularly until my claim was closed.

Balpreet Kaur

East Delhi

The staff was polite and explained the policy clearly.

Renita Marina Pinto

Mangaluru, Karnataka

Roadside assistance arrived quickly during a breakdown. I felt supported.

Dr. Goudappa R. Patil

Hubballi, Karnataka

The cashless garage facility worked smoothly. The repair process was stress-free.

Madhu B. S.

Mysuru, Karnataka

I was initially confused about coverage, but everything was explained patiently.

Kishore K. S.

Bengaluru, Karnataka

Premiums are competitive and the service has been reliable.

Ayusman Satapathy

Ludhiana, Punjab

Good service overall. My claim was settled fairly.

Dr. Yugam

Amritsar, Punjab

Cashless repair worked as promised. The staff was helpful.

Vikram Pal Singh

Jalandhar, Punjab

The premium is reasonable and I feel secure with this motor insurance.

Amitava Kundu

Kolkata, West Bengal

The policy explanation was detailed and easy to understand.

Anup Kumar De

Howrah, West Bengal

The claim took some time, but the process was fair and transparent.

Dr. Rajendra Verma

Jaipur, Rajasthan

The staff explained the policy clearly and answered my questions.

Monika Singhatia

Udaipur, Rajasthan

The claim process was smooth. There were no unexpected issues.

Saurabh Totla

Bhilwara, Rajasthan

Premiums are competitive and the service is dependable.

Revati Raman Pareek

Ajmer, Rajasthan

Overall, a transparent and satisfactory experience.

Dr. Pawan Deshmukh

Raipur, Chhattisgarh

I was initially unsure about the claim process, but the support team guided me properly.

Dr. Vikram Dwivedi

Bilaspur, Chhattisgarh

The service has been reliable and communication was clear.

Kumar Nishant

Ranchi, Jharkhand

The staff was helpful and explained the policy well.

Chhitiz Anand

Dhanbad, Jharkhand

My claim was processed fairly and without complications.

Dr. Jitendra Prasad Singh

Patna, Bihar

Motor insurance details were explained clearly. Good service.

Yagnesh

Ahmedabad, Gujarat

The premium is competitive and my claim was settled without dispute.

Bhoopendra Makwana

Rajkot, Gujarat

Helpful staff who explained the policy clearly.

Dr. Girishkumar Patel

Vadodara, Gujarat

The cashless garage facility worked smoothly.

E. M. Pvt. Ltd.

Panaji, Goa

Good brand presence. Motor insurance options were explained clearly.

Praveen Kumar

Dehradun, Uttarakhand

The staff was supportive and explained the policy well.

Dr. Srivastava Ravi Shanker

Haridwar, Uttarakhand

My claim was processed fairly and without issues.

Aniket Sharma

Shimla, Himachal Pradesh

Good service. Motor insurance details were explained properly.

Subrata Dey

Guwahati, Assam

There was some documentation involved, but once completed, the claim was settled fairly.

Biswanath Mandal

Silchar, Assam

The staff was helpful and explained the policy clearly.

Sundaram Loganathan

Coimbatore, Tamil Nadu

The team was helpful and explained the motor insurance clearly.

Dr. Anand

Madurai, Tamil Nadu

Good service overall. I feel secure with this coverage.

Sabhanayagam V.

Tiruchirappalli, Tamil Nadu

The claim settlement took time, but it was handled fairly.

Sandeep Kumar

Faridabad, Haryana

Good customer service. The policy details were explained clearly.

Aditi Aggarwal

Gurugram, Haryana

I was initially confused, but the team clarified everything patiently.

Ram Krishan Sehgal

Panipat, Haryana

The claim settlement was transparent and the staff was helpful.

Yeturu Sugunamma

Vijayawada, Andhra Pradesh

Helpful staff who explained the motor insurance clearly.

Lakshmi Akkena

Guntur, Andhra Pradesh

My claim was processed fairly without unnecessary delays.

Sruthi Marni

Visakhapatnam, Andhra Pradesh

The cashless garage facility worked well.

Pranjya Mohanty

Bhubaneswar, Odisha

The team was helpful and explained the motor insurance clearly.

Vivek Mittal

Chandigarh

Good service. The policy was explained in detail.

Pankaj Verma

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.