Why Buy Car Insurance?

Coverage Against Third-Party Liabilities

One of the most important advantages of car insurance is fulfilling the legal mandate and attaining coverage against third-party liabilities. For instance, if your vehicle causes injury to a third party on a busy road, your third-party insurance will cover the legal and financial obligations toward them.

Coverage Against Accidental Damages

Road accidents can be stressful, especially when covering substantial repair costs during critical times. Your car insurance will provide coverage for damages caused to your vehicle due to accidents. This reduces your financial burden and allows you to carry out repair work on time.

Coverage Against Man-Made or Natural Disasters

Natural disasters are unpredictable and can cause severe damage to your vehicle, resulting in potentially huge financial losses. Your car insurance policy will cover damages caused by such calamities, including riots and vandalism and help you repair your vehicle without worry.

Coverage Against Theft

Car theft is, unfortunately, a common occurrence in India. It is a major concern among car owners as it leads to significant financial loss. However, if you buy car insurance, it can protect against financial loss caused by the loss of a car or damage incurred due to theft.

Extensive Personal Accident Cover

Our comprehensive car insurance comes with a personal accident cover of ₹15 lakhs. This cover gives you financial protection in case of injury, disability or death resulting from a car accident.

The cover is mandated and comes bundled under our comprehensive plan, mitigating the need for you to buy it separately.

Add-on Options to Enhance Coverage

Along with comprehensive coverage, you can enhance your policy with useful add-ons. Popular options include Nil Depreciation, which ensures full claim without depreciation deductions; Pay As You Drive, letting you pay premiums based on usage; Engine Protect, covering engine-specific damages; and No Claim Bonus, rewarding claim-free years with premium discounts. Pair NCB with protection cover to retain benefits even after major claims.

Additional Discounts

Many insurance companies offer additional discounts on premiums for taking security measures, such as installing anti-theft devices or joining automobile associations.

Large Network of Garages

We have a wide network of 10,000+ garages across India where you can claim cashless repair services. You can get your car repaired with zero hassles, reducing your financial burden and speeding up the repair process.

Enhances the Resale Value of Car

Advantages of car insurance does not just limit to providing financial protection and fulfilling legal requirements, but also adds value to your car. When you have a comprehensive policy with add-ons like nil depreciation, it indicates to the potential buyer that the car is well-maintained and is in the best condition.

Hassle-Free Claim Processing

One of the major benefits of car insurance is the convenience of online claims. At IndusInd General Insurance, we offer a streamlined claims process. You can file your claims online anytime, anywhere.

Long-Term Coverage

Aligning with the Supreme Court of India’s decision to make it mandatory for new car owners to have long-term insurance, we now offer long-term insurance of three years. This saves the trouble of renewing your car insurance every year, along with potential cost savings.

No Claim Bonus

A no-claim bonus (NCB) is one of the best car insurance benefits, and it is a reward for policyholders who do not make any claims during a policy year. We offer an NCB discount on your premiums starting at 20% (for 1 claim-free year) and up to 50% (for 5 or more consecutive claim-free years).

You can pair this discount with our NCB protection cover and ensure you’re still able to file claims for major losses without fear of losing your NCB discount.