Car Insurance in Chandigarh

This cover ensures no depreciation is deducted during claims, so you receive the full replacement cost for repaired parts. It is available for a limited number of claims per policy year and works best for newer cars.

Premiums are calculated based on the number of kilometres driven annually. The  kilometer limit is from 2,500 to 10,500. It suits people who mostly rely on Chandigarh’s public transport and take out their cars only on weekends.

Reimburses the full invoice value if your car is stolen or completely damaged. It also includes the original road tax and registration fees that you paid during purchase.

Safeguards against oil leakage, flooding near low-lying areas, or mechanical failures caused by accidents. This cover is useful since engine repairs are usually expensive and excluded from base policies.

Covers punctures, cuts, or damages from poor road conditions. It applies to tube as well as tubeless tyres and is ideal for cars driven daily on Chandigarh–Mohali stretches.

Covers the cost of replacing stolen or damaged car keys, including remote systems and smart keys. It also includes reprogramming and lock repair. This cover is helpful if you often park in busy areas where the risk of key damage or theft is higher than usual.

Pays for minor parts like engine oil, along with nuts, bolts and brake fluids during repairs. These costs are not included in regular policies, and they can increase your expenses after an accident or workshop visit. This add-on helps reduce such out-of-pocket payments.

Covers the repair or replacement of wheel rims damaged in accidents or by potholes. This add-on is highly practical for people driving long distances across state borders.

Helps with towing, battery jumpstart, or emergency fuel supply. The service is available through a helpline whenever your car breaks down far from city centres.

Reimburses the cost of damaged or stolen personal items kept in your car, such as laptops or phones. This is suitable for professionals who carry valuables during frequent intercity travel.

Provides a cash allowance for alternate transport if your car is under repair for more than three days*. The amount depends on the chosen plan.

Covers car loan EMIs when the vehicle stays in an authorised garage for extended repairs. Coverage length varies based on policy tenure.

Let's you keep your No Claim Bonus discount even if you make limited claims in one year. It ensures long-term savings on premiums.

Covers aftermarket items like speakers, GPS systems, or upgraded air conditioning. This is important if you plan modifications to your vehicle.

Covers non-electrical additions like CNG kits or customised seat covers that are not part of the original factory-fitted car components. This add-on is only required for extra fittings installed separately by the owner.

Covers the cost of repairing or replacing electric vehicle batteries that are damaged by flooding accidents or power failures. Chandigarh is steadily moving toward electric mobility and this add-on helps cover battery-related expenses that are usually not included in standard plans.

Protects home-based or portable EV chargers from damage or theft during power surges, physical impact or natural disasters. Useful for EV owners who rely on private charging points installed at home or carried in their car.

Covers repair costs linked to failures in your electric vehicle’s motor, including short circuits, electrical issues and coolant leakage. This add-on ensures your electric vehicle remains protected during technical breakdowns.

Extends your car insurance policy beyond India to selected neighbouring countries, including Nepal, Bhutan and Bangladesh. This add-on is suitable for international road trips.