Car Insurance

What is Car Insurance?

Car insurance is a protection plan that covers financial losses arising from accidents, theft, natural disasters, and third-party liabilities.

It ensures peace of mind while driving by reducing unexpected repair costs, legal liabilities, and emergency expenses.

With the right car insurance policy, you can drive confidently knowing that both you and your vehicle are financially protected.
Key Benefits of Car Insurance

Accidental Damage Coverage

Protects your car from repair costs arising due to collisions or road accidents.

Theft Protection

Offers financial compensation if your vehicle is stolen or cannot be recovered.

Natural Disaster Coverage

Covers losses caused by floods, storms, earthquakes, cyclones, and other natural calamities.

Third-Party Liability

Legally mandatory coverage that pays for property damage or injury caused to third parties.

Personal Accident Cover

Provides financial support in case of accidental injury, disability, or death of the owner-driver.

Close-up of a luxury car's interior while driving in Marrakech, Morocco.
Types of Car Insurance

Third-Party Insurance

Mandatory by law, this policy covers damages or injuries caused to third-party property or individuals only.

Comprehensive Insurance

Provides complete protection by covering both your own car damages and third-party losses.

Own Damage (OD) Cover

Protects your vehicle against accidental and non-accidental damages such as fire, theft, or natural calamities.

Popular Add-Ons for Car Insurance

Zero Depreciation Cover

Ensures full claim settlement without considering depreciation on car parts during repairs.

Engine Protection Cover

Covers engine and gearbox damages caused due to water ingression or oil leakage.

Roadside Assistance

Provides towing, battery jump-start, flat tyre support, emergency fuel delivery, and more.

Return to Invoice (RTI)

Offers reimbursement of the original invoice value in case of total loss or vehicle theft.

Consumables Cover

Covers the cost of consumable items such as nuts, bolts, engine oil, brake oil, and other fluids.

Why Car Insurance is Important

Saves you from huge repair costs caused by accidents, damages, or unforeseen events.

Offers legal protection and ensures compliance with the Motor Vehicle Act.

Provides financial backup during emergencies, helping you manage unexpected expenses.

Enhances your driving confidence by offering complete financial and legal protection.

How to Choose the Best Policy

Compare premiums and features across top insurers to get maximum coverage at the best price.

Select the right IDV (Insured Declared Value) to maintain a balance between premium cost and coverage value.

Add necessary riders based on your car’s age, driving frequency, and usage.

Check the cashless garage network size to ensure faster and hassle-free claim settlements.

Tips for Maintaining Good Coverage

Renew your insurance before expiry to avoid penalties, policy lapses, and loss of benefits.

Perform regular car maintenance to reduce breakdowns and minimize claim chances.

Avoid small claims whenever possible to keep your No-Claim Bonus (NCB) intact.

Update policy details after installing accessories or relocating to ensure accurate coverage.