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Car Insurance in India—Everything You Need to Know (2025)
Protect your car with the right insurance—save money, avoid legal issues, and drive stress-free.
Welcome to CarPortfolio.net’s Car Insurance Guide, your ultimate destination for understanding, comparing, and choosing the best car insurance policies in India, whether you own a petrol car, a diesel SUV, or an EV car.
Why Car Insurance Is Mandatory in India
As per the Motor Vehicles Act, having at least a third-party car insurance policy is legally required for every vehicle owner in India. Without it, you risk penalties, legal trouble, and even vehicle seizure.
But beyond legal compliance, comprehensive car insurance protects you from:
- Road accidents
- Natural disasters (flood, earthquake, storm)
- Theft or fire damage
- Personal injuries
- Third-party liabilities
Types of Car Insurance in India
1. Third-Party Car Insurance
Covers only the damage caused to another person or their property. Mandatory but limited.
2. Comprehensive Car Insurance
Covers both third-party and own damage. Recommended for all car owners, especially those with new or expensive vehicles.
3. Own-Damage (OD) Car Insurance
If you already have third-party coverage, this add-on covers damage to your own car due to accidents, fire, theft, etc.
4. EV Car Insurance
Covers electric vehicles, including battery protection, charging equipment, and specialized repair coverage. See our full EV Car Guide for more.
What’s Covered in Comprehensive Car Insurance?
✅ Accidental damage
✅ Theft or total loss
✅ Fire or explosion
✅ Natural calamities
✅ Vandalism or riots
✅ Third-party damage
✅ Personal accident cover (for owner-driver)
What’s Not Covered?
❌ Driving without a valid license
❌ Drunk driving
❌ Wear and tear
❌ Using the car for commercial purposes (unless covered)
❌ Consequential damages
Best Car Insurance Providers in India (2025)
We’ve compared India’s top insurers for car and EV car insurance based on claim ratio, customer service, add-on covers, and premium affordability.
| Company | Claim Settlement | Notable Add-ons | EV Car Support | Online Renewal |
|---|---|---|---|---|
| HDFC ERGO | 98% | Zero Dep, Engine Protect | ✅ Yes | ✅ Yes |
| Tata AIG | 96% | Consumables, NCB Protect | ✅ Yes | ✅ Yes |
| ICICI Lombard | 97% | Roadside Assist, Tyre Protect | ✅ Yes | ✅ Yes |
| Digit Insurance | 94% | Return to Invoice | ✅ Yes | ✅ Yes |
| ACKO Insurance | 95% | No paperwork, low premium | ✅ Yes | ✅ Yes |
How to Choose the Right Car Insurance?
- Know your car type—new—newpe—new, used, SUV, sedan, or electric vehicle
- Compare premium vs coverage
- Look for essential add-ons (zero depreciation, engine protection)
- Check customer reviews
- Ensure fast claim settlement process
👉 See our guide: Top 5 Car Insurance Add-ons Worth Buying
Tips to Save on Car Insurance Premiums
- Compare quotes online before buying
- Opt for higher voluntary deductibles
- Install anti-theft devices
- Avoid unnecessary add-ons
- Don’t let your policy lapse
How to File a Car Insurance Claim
- Inform the insurance provider immediately
- File an FIR (in case of theft/accident)
- Submit required documents (RC, license, policy)
- Get the car inspected
- Cashless or reimbursement settlement
EV Car Insurance—What’s Different?
Electric vehicles have unique insurance requirements. EV car insurance includes:
- Battery protection
- Charging station cover
- Motor warranty
- Fire risk during charging
If you drive an EV, don’t miss our detailed Electric Car Insurance Tips.
Frequently Asked Questions
Q1: Can I transfer my car insurance to a new buyer?
Yes. It is mandatory to transfer car insurance when ownership changes.
Q2: Is car insurance premium higher for EV cars?
Not necessarily. Many insurers offer discounts or custom EV insurance plans now.
Q3: Is online car insurance valid in India?
Absolutely. All leading insurers provide 100% legal digital policies.
Q4: Which add-ons should I choose?
Start with zero depreciation and engine protection. Customize based on your car usage.
Final Thoughts
Car insurance isn’t just a legal formality—’s a shield that protects your car, your finances, and your peace of mind.
Whether you drive a fuel-powered sedan or a futuristic EV car, choosing the right policy can save you from heavy losses.
At CarPortfolio.net, we help you stay updated with the best insurance practices, comparisons, and car ownership tips.
👉 Read more:
- Car Maintenance Tips for Long Life
- Top 10 Selling Cars in India—June 2025
- EV Car Buying Guide India 2025
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Looking for the best car insurance in India in 2025? Compare top policies, understand coverage types, and get tips for affordable premiums and EV car insurance.
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