Comprehensive Car Insurance

This cover means you get the full cost of repairs without any cuts for wear and tear on parts like plastic bumpers, rubber seals or metal panels. Great for new car owners, first-time drivers or anyone with a car under 5 years old who wants full payment during claims. You can usually use this twice a year, and it's not available for very old cars. Without it, you'll pay 30-50% of repair bills yourself because of depreciation cuts.

Covers your engine and gearbox if they get damaged by water during floods, oil leaks, or when water gets sucked into the engine. Perfect if you live where it floods often, or if you drive through heavy rain and waterlogged streets regularly during monsoons. We won't pay if you tried restarting your car while it was in water. Fixing or replacing an engine costs ₹50,000-₹2,00,000, so this cover really helps.

Get help anytime your car breaks down—we'll tow your car, fix flat tyres, jumpstart dead batteries, deliver fuel, or do small repairs right there. Great for people who drive a lot, take highway trips, travel long distances, or drive late at night and need quick help. Towing is usually free only up to a certain distance from where you broke down. Without this, each towing service costs ₹1,500-₹5,000 from your own pocket.

Pays for small but necessary items like engine oil, nuts, bolts, screws, brake fluid, AC gas, grease and washers used when fixing your car. Best for new car owners or premium car owners, where even small repairs need expensive items that add up fast. Usually works only when there's other damage to your car that's already covered. These small things can add ₹3,000-₹8,000 to every repair bill.

Gives you the full original price you paid for your car (including registration and road tax) instead of the current lower value if stolen or totally damaged. Great for people with new cars (usually under 3 years old) or expensive cars, where the price drop would mean losing a lot of money. Not available for older cars, and your bank might need to approve if you have a loan. Without this, you lose 15-40% of your car's value.

Lets you make one or two claims each year without losing the discount you've earned by not claiming for years. Perfect for careful drivers who've built up big discounts (35-50%) but want to claim for small accidents without losing those savings. Usually not available if you're just starting or have low discounts. One claim without this resets your discount to zero, costing you thousands extra when you renew.

Pays to replace lost or stolen car keys, reprogram smart keys or change your entire lock if needed for security. Must-have for modern cars with expensive smart keys, keyless entry, or push-button start that cost ₹5,000-₹25,000 to replace. You can usually claim once or twice per year, maximum. Smart car keys can cost up to ₹25,000 to replace yourself without this cover.

Pays to fix or replace damaged tyres because of bursts, punctures, cuts, or bulges from potholes, sharp objects, or accidents on the road. Recommended if you drive daily, use rough roads, drive in cities with many potholes, or travel on damaged roads often. How much you get depends on how worn your tyres already are - very old tyres get less coverage. Each tyre costs ₹4,000-₹15,000 to replace, which regular policies never cover.

Pays your monthly car loan payments if your car is in the repair shop for more than 21, 42, or 63 days after an accident. Good for people paying monthly EMIs who can't afford to pay both loan payments and have no car to use at the same time. Only covers repairs, not if your car is stolen or completely destroyed. Without this, you still pay EMIs even though your broken car isn't useful to you.

Gives you cash every day (₹500-₹1,500 depending on your car's worth) when repairs take more than 3 days to complete. Helpful for people who use their car daily for work or commuting and need to pay for cabs or autos instead. You only get paid after the first 3 days, not before. Using cabs or public transport during repairs costs ₹200-₹1,000 daily out of your pocket.

Covers your laptop, phone, bags, or other valuable things kept in your car if they're damaged in accidents or stolen during theft attempts. Best for working professionals who carry work laptops, expensive phones, or business equipment in their car and could lose a lot. Items must usually be worth more than ₹5,000 each, and you need bills to prove their value. Losing a laptop and phone together could cost ₹50,000-₹1,50,000 with no regular coverage.

Pays money to passengers in your car if they get injured, permanently disabled, or killed in an accident while riding with you. Important if you regularly drive family, friends, or coworkers and want them financially protected if something bad happens. Only covers up to how many seats your car officially has, not more. Passenger medical bills and compensation could cost lakhs without the right coverage.

Covers electrical things you added after buying the car, like better music systems, GPS, reverse cameras, or upgraded screens, not in your original bill. Needed if you love upgrading your car with aftermarket electronics or premium additions to make driving better and more fun. Things that came with your car are already covered—this only covers what you added later yourself.

Covers non-electric upgrades like CNG kits, custom seat covers, body kits, spoilers, or alloy wheels you installed after buying your car. Good for people who've made their cars special with expensive changes or upgrades not included when it was brand new from the factory. Like electrical items, factory things are already covered—this is only for your personal additions.

Let your comprehensive car insurance work in six nearby countries, Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka and the Maldives, not just India like normal. Must-have for adventure lovers, people who often take road trips across borders, or anyone planning foreign drives for fun or work. Regular policies only work in India, so you have no insurance outside of this. Accidents in other countries mean paying everything yourself, possibly lakhs in foreign money, without coverage.

Protects your electric car's battery, the most expensive part, from damage caused by water, moisture, power problems, hits, explosions, or accidents that ruin the battery. Essential for all EV owners because replacing batteries costs ₹2,00,000-₹8,00,000, sometimes half your car's total price. Usually covers batteries in decent condition, not batteries already very old or weak. Regular comprehensive car insurance never covers battery damage, leaving you paying huge replacement costs yourself.

Pays to fix or replace your EV's motor if it breaks because of electrical shorts, coolant leaks, water damage, overheating, or power failures. Essential for EV owners who live where flooding happens or who often drive through flooded roads during heavy rains, where water damage happens easily. You might need to prove you followed the car maker's rules and didn't try driving the broken car. Electric motor repairs cost ₹1,00,000-₹4,00,000, completely not completely covered in regular comprehensive car insurance.

Pays for your home charging station, cables and plug adapters if damaged by accidents, theft, natural disasters, fire, or rats chewing wires and ruining the equipment. Recommended for all EV owners since home charging equipment costs ₹25,000-₹1,00,000 and isn't covered at all in regular car insurance policies. Replacing broken chargers costs tens of thousands from your pocket without this special EV coverage.