Car Insurance in Gurgaon

This add-on ensures that no depreciation is deducted when car owners claim replacement for parts. This is useful for newer cars driven across fast-moving roads like NH-48, where minor accidents can damage bumpers or panels.

Your premium is calculated based on how much you actually drive in a year. The limit is from 2,500 km to 10,000 km per year. Ideal for people who use cabs or the Metro on weekdays and bring out their car only on weekends.

If your car is stolen or declared a total loss, this add-on reimburses the full invoice value, including road tax and registration. It is helpful if you own a new vehicle and park in busy zones like Cyber Hub or Sector 29.

Engine repairs are costly and usually not covered by default plans. This add-on protects against oil leakage, hydrostatic lock or damage due to waterlogging in underpasses or low-lying areas. 

Covers the repair and replacement of tyres caused by potholes, sharp turns or broken roads in places. It applies to both tubeless and tube-type tyres.

Pays for replacement of lost or damaged car keys, including electronic or remote keys. Useful if you park in crowded markets or rely on valet services at malls or restaurants.

Covers items like engine oil, screws, filters and brake fluid during repairs. These smaller costs add up during workshop visits and are not included in standard insurance coverage.

Covers damage to wheel rims from rough patches or accidental curb hits. This is ideal for people who drive daily on long stretches like the Golf Course Extension Road.

Get help for battery failure, an empty fuel tank or breakdowns late at night. This add-on gives peace of mind when driving alone or across expressways with limited local support.

Covers personal items stolen or damaged inside the car, such as bags, laptops or phones. Practical for professionals who keep work equipment inside the vehicle during travel.

Gives a fixed amount per day to cover transport costs if your car is in repair for more than three days*. This helps you manage travel without rushing for rentals.

It covers your car loan instalments if your vehicle is in the garage for extended periods. The cover period depends on your chosen plan and policy term.

Keeps your No Claim Bonus intact even after filing up to 2 claims per year*. It helps lower your premium during renewals and protects long-term discounts.

It covers non-factory items like upgraded audio systems, reverse cameras, or GPS devices that are installed after purchase. This is helpful if you customise your car’s features.

Covers fitted items like seat covers, bull bars or CNG kits that are not included in the standard build. This add-on is needed only for aftermarket fittings.

Pays for the repair or replacement of electric vehicle batteries damaged by water entry or short circuit. This is important as more drivers in Gurgaon switch to EVs for daily use.

Covers wall-mounted or portable EV chargers used at home or on the go. This add-on helps if your charger gets damaged during storms or suffers power surge issues.

Provides cover for damage to electric vehicle motors from electrical faults or coolant leakage. This is especially useful for people relying fully on EVs for long-distance travel.

Extends your car insurance coverage to Nepal, Bhutan or Bangladesh for road trips outside India. A helpful add-on for people who frequently travel by road across borders.