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Why Choose Policynation?
Everything you need for complete peace of mind on the roadInstant & Easy
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Cashless Everywhere
10,000+ network garages across India.
Trusted Support
Our experts are available 24x7 to assist you.
No Hidden Charges
What you see is what you pay.
100% Secure
Secure payments and IRDAI approved.
Renewal Reminder
Never miss your renewal again.
Types of Car Insurance
Choose the right type of coverage that suits your needsComprehensive Insurance
- Own damage cover
- Third-party liability
- Theft protection
- Natural calamities
Third Party Insurance
- Mandatory by law
- Covers third-party liability only
Standalone Own Damage Cover
- Own damage protection
- For existing third party policy
Add-on Covers
Enhance your policy with add-on covers24x7 Roadside Assistance
Get emergency help during vehicle breakdowns, including towing, battery jump-start, flat tyre support, fuel delivery and minor on-site repairs. Available 24×7 across supported locations.
Zero Depreciation
Get full claim value on replaced car parts without depreciation deductions. Helps reduce out-of-pocket expenses during claims, especially for plastic, rubber, fibre and metal parts.
Consumables
Covers the cost of consumable items used during repairs after an accident, such as engine oil, nuts & bolts, lubricants, screws, washers and coolant, which are usually not covered in a standard policy.
Engine Protector
Covers repair or replacement expenses for engine and gearbox damage caused due to water ingression, oil leakage or lubricant loss, which are generally not covered under a standard car insurance policy.
PA cover for Owner Driver
This a mandatory cover for Vehicles Owner Driver for Sum Insured of Rs 15 lacs as per new insurance regulations. You can opt out from buying this cover only if 1) You already hold Personal Accident Cover Policy of at least Rs 15 Lakhs sum insured OR 2) You already have motor insurance policy of another vehicle with Compulsory Personal Accident cover of Rs 15 Lakhs sum insured.
LL Paid Driver
Legal Liability to Paid Driver
PA Cover for Passengers
It is an unnamed passenger cover for your family members or friends traveling with you at the time of an accident. The compensation can be decided for your fellow passengers by selecting the sum Insured given below. You should buy this cover.
NCB Protector
Protects your No Claim Bonus even after making a claim, allowing you to retain your premium discount benefits as per insurer terms and allowed claim limits.
Key & Lock Replacement
Covers the cost of repairing or replacing your car keys and locks if they are lost, stolen or damaged.
Invoice Cover
In case of total loss or theft, this cover helps you recover the original invoice value of your car, including registration charges and road tax, subject to policy terms.
Personal Belongings
An add-on which covers loss of personal belongings (baggage, clothes, bag etc.) belonging to you and your dependant family members due to car theft or break-in. Claim limit will be as per Insurer norms.
Tyre Protector
Covers repair or replacement expenses for tyres and tubes damaged due to cuts, bulges, punctures or accidental impact, depending on insurer terms and conditions.
RIM Damage Cover
Cover loss or damage to the wheel rim(s) of the Insured Vehicle, if wheel rim(s) Vehicle is physically damaged or warped as a result of a blowout or as a result of it being driven over potholes, kerbs or other road debris
Daily Allowance
Provides a fixed daily allowance for travel expenses while your car is under repair at a garage following an insured accident.
PA Cover for Driver
Personal Accident Cover for Paid Driver
PA Cover for Paid Driver
PA Cover for Paid Driver
Our Simple Claims Process
Hassle-free claims in few simple stepsReport Claim
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Inspection
Insurer inspects
the vehicle
Garage Repair
Vehicle repaired
at network garage
Cashless
Settlement
We settle the bill
directly
Vehicle Delivery
Get your car back,
good as new
Top Car Insurance Companies in India
Compare and buy from India's leading insurersFrequently Asked Questions
Everything you need to know about car insuranceCommon Queries
Yes, under the Motor Vehicles Act, Third-Party Car Insurance is legally mandatory for all vehicles operating on public roads in India. Comprehensive insurance is highly recommended but optional.
IDV stands for Insured Declared Value. It represents the current market value of your vehicle as estimated by the insurer. It is the maximum amount payable in the event of theft or total constructive damage.
No Claim Bonus is a discount offered on the own-damage premium of your car insurance policy as a reward for not claiming during the previous policy year. It accumulates up to 50% over consecutive claim-free years.
Yes, the NCB belongs to the driver, not the vehicle. When you purchase a new car or switch insurers, you can obtain an NCB certificate and transfer your accumulated discount directly to the new policy.
If your policy expires, your car will not have third-party liability or own-damage protection. Renewing after expiration may require an inspection, loss of accumulated NCB (if expired over 90 days), and potential legal penalties.
All You Need To Know About Car Insurance
A car insurance policy protects you from financial losses arising from accidents, theft, natural calamities, and third-party liabilities. Having the right car insurance ensures you drive with complete peace of mind.
- Covers own damage and third-party liabilities
- Protection against theft, fire, and natural calamities
- Cashless repairs at 10,000+ network garages
- 24x7 claim assistance and quick settlements
Not Sure Which Car Insurance Fits Your Needs?
Our car insurance experts can help you compare plans, choose the right IDV, and select add-on covers for your vehicle.