Car Insurance in Kerala

This add-on removes depreciation deductions from your car insurance claim settlement amount. Meaning it covers full replacement costs for your car's parts without any depreciation cuts. This cover is available for up to 2 claims per policy year.

Pay your car insurance premiums based on actual kilometres driven per year. You can choose your yearly driving limit from 2,500 to 10,500 km, with top-up options available. This add-on is ideal for low-mileage drivers.

This add-on reimburses the full invoice amount if your car is stolen or completely damaged due to a major accident. The reimbursement amount also includes taxes and registration fees paid during your initial purchase of the car from the dealership.

It covers engine repair costs from oil leakage, water damage due to flooding and mechanical breakdowns due to engine damage from accidents. Getting this cover protects you against expensive engine-related repairs not covered in standard policies.

This add-on covers tyre repairs or replacement costs due to punctures, cuts or road damage from accidents. It also includes coverage for both tube and tubeless tyres -- for all four car tyres. This coverage can be useful if you use your car for daily city commutes or off-roading.

Replaces lost or damaged car keys, including smart keys and remote systems. It also covers lockset repairs, lock replacement and key reprogramming costs. This can be a handy cover to protect against theft or burglary and ensures extra protection for your car.

Pays for replacing perishable resources like engine oil, nuts, bolts and fluids used during repairs. These additional costs can quickly add up and are usually excluded from standard plans. Hence, this add-on can be a useful addition to your policy to minimise out-of-pocket costs.

This add-on covers the repair or replacement of damaged wheel rims due to accidents or poor roads. It protects up to 4 rims per policy period. This cover is ideal for frequent driving and can be paired with our tyre protect add-on to provide maximum coverage for your wheels.

Get 24/7 quick assistance for towing, fuel delivery, battery jumpstart and on-site repair services in case your car ever breaks down and there are no garages nearby to get help from. This coverage is available anywhere in India through a dedicated helpline.

Reimburses stolen or damaged personal items worth over ₹5,000* that were kept in your car. It covers laptops, phones, and bags during car accidents or theft. This cover is useful for people who make frequent intercity commutes and need to store their belongings in their car often.

Provides cash allowance for alternative transport when the car is under repair for over 3 days*. The amount depends on policy terms and repair duration. A fantastic add-on if you use your car for daily commutes or frequently need to travel long distances via road.

Pays car loan EMIs if the vehicle is under repair for 21, 42 or 63 days* at an authorised garage. This add-on is ideal for anyone facing extended repair periods. The coverage period varies by chosen tenure and is also subject to policy terms.

You can file up to two claims per year* without losing your accumulated No Claim Bonus discount. For example, if you have an NCB discount of 50%, with this cover, you can still make a car insurance claim for repairs without losing your NCB discount.

It protects aftermarket electrical items like upgraded audio systems, air conditioning units and GPS units. It also covers non-standard electrical accessories added to your vehicle. A useful cover to have if you plan on modifying your car in any way.

You're covered for accessories like CNG kits and custom seat covers from damage or theft. Put simply, it protects aftermarket non-electrical modifications to your vehicle. You should also note that standard accessories are already covered in the base policy.

Covers electric vehicle battery damage from accidents, water or electrical issues. It will cover the entire cost of repairing or replacing your electric or hybrid car's battery. This add-on is essential for expensive EV batteries not covered in standard policies.

Covers home charging unit repairs from damage, theft or natural disasters. Includes both fixed units and charging adaptors. This cover is essential for EV owners' charging infrastructure, as replacing these can be very expensive in case they get damaged.

Protects EV motors against short circuits, coolant leaks and electrical failures. Covers costly motor repairs specific to electric vehicles. A great add-on to have since a base plan doesn't always cover the full cost of repairs for your EV car's electric motor or its components.

Extends policy coverage to 6 neighbouring countries, including Nepal, Bhutan, Bangladesh and Sri Lanka. This add-on is perfect for international road trips from India and ensures your car remains insured even outside India.