• 1 Legal Requirement : It is mandatory by Law. As per Motor Vehicle Act, it is a legal requirement to have a car insurance to drive your car on Indian road.
• 2 Financial Security : Car insurance policy offers financial help in case of unfortunate events like accident, theft etc.
• 3 Peace of Mind : With car insurance, you can have peace of mind knowing that you're protected from unexpected events that can disrupt your financial stability.

In summary, having a car insurance is a responsible choice, providing financial protection, legal compliance, and peace of mind while on the road.

• 1Save Money - Buying your car insurance policy online does not involve any kind of commission to third party dealers. These commission costs are passed to customer in a form of discounted premium rates!
• 2Save Time - Buying your car insurance policy online does not involve excessive paperwork, documentation, waiting in queue etc. thus saving lot of your time.
• 3Save Efforts - You can buy four-wheeler insurance online via just filling your vehicle details, select the plan and make the payment! Process is very convenient thus saving your efforts.
• 4Convenient - When you buy car insurance online, there are no timings restrictions. You can purchase a plan at any hour of the day or night!
• 5Plan customization - You can choose the add-ons you want, increase or decrease your IDV etc. This allows you to customize your car insurance policy as per your needs.
• 6Instant Policy Generation - Make the payment and the car insurance document will be emailed to you immediately. Just download it from your mailbox and save/make copies.
• 7Safe and Secure Process – Process of buying a policy online is very secure and follows the online security protocols to avoid the risk of fraud.
• 8Advice from Insurance Experts - Our car insurance experts are always happy to answer all your four-wheeler insurance related queries.

• 1 Fill out Vehicle Details - Provide some basic information about your car including registration number, make model, claim history etc. Based on these details, our car insurance calculator will provide you an instant quote.
• 2 Customize your plan - You can select the plan type like third party or comprehensive car insurance, include the add-ons coverage you want like zero depreciation, consumables, engine protector cover, key replacement, tyre cover etc. 
• 3 Download Policy Document - Once you’ve customized the plan/quotation, you can proceed to buy the car insurance plan. And, once you make the payment, the policy document will be emailed to you. You can download the car insurance policy document in a matter of seconds. 

• 1Save Time as you can renew car insurance in few clicks.
• 2Save Money as you may find multiple discounts.
• 3Save Efforts as you can renew without any hassle.
• 4No Paperwork Buy directly through our website.
• 5Instant Coverage Coverage starts instantly.
• 6Uninterrupted Coverage

• 1Visit our car insurance renewal webpage.
• 2Retrieve the policy details by entering the policy number or car registration number.
• 3We’ll fetch premium details and policy coverage.
• 4Make the payment online and download the renewed car insurance policy.

• 1 Third Party Liability Premium (TP)
• 2 Own Damage Premium (OD).

• 1 Enter Car Registration Number : Type in your car's registration number.
• 2 Retrieve Details : The calculator gets your car's make, model, and manufacturing year using the registration number.
• 3 Generate Premium : The calculator automatically calculates the Own Damage premium based on your car's specific information.

• Make Model of the car - Make and model determines the car’s value. Luxury, exotic or vintage car attracts high insurance premium than normal cars.
• Age of the car - If your car is brand new or recently launched, repair cost would be on higher side. So, newer the car, the higher the premium for car insurance.
• Health of the car - If you haven’t maintained the car in a good health, your car insurance premium may increase.
• Car Engine Capacity - Your car engine cubic capacity (cc) also affects the car insurance premium amount. Higher the engine cc, higher the premium you need to pay.
• Fuel Type - Premium of your four-wheeler insurance vary depending on type of fuel. Generally petrol car have lower premium than diesel or electric cars.
• Value of the car - One of the major factors that affects the car insurance premium is value of the car. If you select higher IDV, your car insurance premium will increase accordingly.
• Location - The place where you live can also affect your car insurance premium. People living in a safe location pays less premium of their car insurance in comparison to people living in areas prone to theft, accidents etc.
• Type of Policy - The wider the coverage, the costlier the policy. Third party policy has very limited coverage and has lower premium than comprehensive car insurance policy.
• Claim History - If person had a history of multiple claims each year, he/she may have to pay higher premium amount in comparison to someone who had less claims in the past.
• No Claim Bonus - For every claim free year, insurance company provides a discount to car owners as ‘No claim Bonus’. It increases with every claim free year and goes upto 50%.
• Add-ons - You can enhance your car insurance coverage by including multiple add-ons. However, more add-ons you include, the higher the premium you pay.

• 1 Install security features - Installing security features is a win-win. Not only does it keep your car safe, but it also reduce the risk of your car being stolen. Moreover, reduced risk means lower premiums.
• 2 Refrain from making small claims - When you do not make claims against your policy, you enjoy a discount called ‘No Claim Bonus’. Keep up a claim-free record and you could enjoy up to 50% discount on your premium. However, make even a single claim and you lose the entire NCB. 
• 3 Choose right coverage for your car - Choose the coverage for your car insurance appropriately. Choose the selective add-ons, which are necessary and valuable for you and your car.  
• 4 Select the voluntary deductible - You can increase the voluntary deductible component to reduce the car insurance premium amount.

• 1Premium : It is the amount you have to pay annually to enjoy car insurance coverage.
• 2Coverage : Coverage refers to the financial protection of your plan. The coverage of a car insurance policy will vary based on the type of plan you purchase.
• 3Depreciation : Each year the value of your car decreases by a certain fixed percentage. This decrease in value is called depreciation.
• 4IDV : IDV stands for 'Insurer Declared Value'. It is the listing price of your vehicle minus depreciation. It is the maximum compensation your insurance provider will offer in case of total loss of your vehicle due to accident, theft etc.
• 5No Claim Bonus : NCB is like a reward for not making a claim. It is a discount on premium offered to you when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year and can goes up to 50% .
• 6Third party : A third party is a person or a vehicle owner who has been affected by your insured car (other than you or your passengers) is considered a third party in a car insurance claim.
• 7Own Damage : Any type of damage to insured car of policyholder is known as 'Own Damage'. It can be due to multiple factors like accidents, theft, natural calamities, fire, etc.
• 8Claim Settlement : One need to notify the car insurance company if the insured car suffers any damage due to theft, accident etc. This notification and subsequent settlement is called 'claim settlement'.
• 9Cashless Claims : Cost of the damage repairing of your insured car is directly paid to the garage by the insurer is called a 'cashless claim', as the policyholder does not have to handle this expense from their own pocket.
• 10Fixed Deductibles : This is a fixed amount you need to pay during claim. Values for fixed deductibles is set by the IRDAI (Insurance Regulatory and Development Authority of India) depending on the car engine cubic capacity. Fixed deductible charges are commonly known as file charges or compulsory charges.
• 11Voluntary Deductible : A voluntary deductible is the share of the claim that is paid by the car insurance policy holder voluntarily from their pocket. If the voluntary deductible is higher, then the car insurance premium will be lower.
• 12Add-ons : Add-ons are extra layers of financial protection that you can purchase to widen the coverage of your car insurance policy.
• 13Zero Depreciation : Zero Depreciation Cover is an add-on coverage. With zero depreciation coverage, insured does not have to pay the depreciation amount of damaged parts in case of a claim.
• 14Consumables : The parts of the car such as the Engine oil, Gearbox oil, Nut & bolts, Grease, Fuel filter, Oil Filters, Lubricants, Power steering oil, AC gas, radiator coolant and more, are called consumables.