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Learn the reality behind common misconceptions about auto insurance and how having a clear, factual understanding may help you choose the best policy, avoid needless costs, make wiser decisions, and confidently safeguard your automobile in real-world scenarios.



Busting Common Car Insurance Myths


Discover the truth behind common car insurance myths. Learn how to avoid costly mistakes, save money, and choose the best coverage for your vehicle confidently.

Busting Common Car Insurance Myths | Facts You Must Know

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### What happens if I miss my renewal date by just one day?
Even a one-day gap leaves your car uninsured. You may need a vehicle inspection to renew car insurance and could face fines if caught driving.

### Does a lapsed policy affect my premium?
It can. Some insurers view a lapse as a higher risk, which might increase your car insurance renewal price.

### How quickly will I get my policy document if I renew on Park+?
Once your payment is successful, your digital policy is generated immediately. You can download it or view it in the app right away.

### What if I sell my car before the policy expires?
You can transfer the remaining insurance to the new owner. However, remember to keep your NCB certificate for yourself so you can use that discount on your next car.

### How long does online car insurance renewal take?
With digital platforms, the process usually takes just a few minutes.


## FAQs


 Renewing car insurance at the right time helps you stay legally protected, retain No Claim Bonus and avoid higher premiums. Understand the best time to renew car insurance, mistakes to avoid and simple steps to complete your car insurance renewal online within minutes without stress or delays.


When is the Right Time to Renew Your Car Insurance Policy?


Learn the best time to renew car insurance, avoid penalties, retain No Claim Bonus, and complete hassle-free online renewal with Park+.

Car Insurance Renewal: Best Time, Tips & Online Process

How to Choose the Right Car Insurance Plan for Your Car

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### What happens if I miss my car insurance renewal date?
If your policy lapses, your No Claim Bonus (NCB) is lost, and your car won’t be legally covered. Always renew car insurance before expiry to avoid penalties.

### Can I increase or decrease my IDV during renewal?
Yes, you can adjust the Insured Declared Value (IDV) every year. Increasing it gives better coverage; lowering it reduces your premium but also your claim value.

### Is it okay to buy the cheapest car insurance available online?
Not always. A cheaper plan might mean limited coverage or slow claim service. Always check what’s included — not just the price.

### How often should I review my car insurance policy?
Review your car insurance policy every year during renewal. Adjust the IDV, check add-ons, and update personal details to ensure your coverage stays relevant and cost-effective.

### What is Insured Declared Value (IDV) in car insurance?
IDV is your car’s current market value and represents the maximum compensation you’ll get if your car is stolen or completely damaged. It directly affects your premium and claim amount. 

### How do I choose between third-party and comprehensive car insurance?
If you own an older or low-value vehicle, third-party insurance may be enough. For newer or expensive cars, a comprehensive car insurance policy offers far better protection.


FAQs


Choosing the right car insurance policy is one of the most important decisions every car owner must make. The best car insurance plan not only protects your vehicle from accidental damage and theft but also saves you from hefty repair costs. Whether you’re buying a new policy or planning to renew car insurance, understanding key factors helps you make the right financial choice. 


How to Choose the Right Car Insurance Plan for Your Car


Choosing the right car insurance policy is one of the most important decisions every car owner must make. The best car insurance plan not only protects your vehicle from accidental damage and theft but also saves you from hefty repair costs.

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### How do I choose the right type of car insurance for my car?
Consider factors like your car’s age and value, usage frequency, location risk, budget, and whether you want flexibility in coverage. 

### Can I buy a car insurance policy online?
Park+ make it simple to explore options and buy car insurance policies online quickly, choosing coverage that fits your car’s value, usage, and risk.

### What exactly does "Own Damage" mean in car insurance types India?
"Own Damage" refers to a specific type of car insurance coverage that pays for repairs to your own vehicle.

### How is the premium calculated for different types of automobile insurance? 
For 3rd party car insurance, the premium is fixed by the IRDAI based on your engine's cubic capacity (CC). For comprehensive plans, the premium depends on the car’s age, model, location (RTO), and the Insured Declared Value (IDV).

### Can I transfer my No Claim Bonus (NCB) when switching insurance auto types or companies?
The NCB is a reward for the driver, not the car. You can transfer your earned discount to a new insurer or even to a new car that you purchase.

### What are "Consumables" in car insurance coverage?
Consumables include items that are "used up" during repairs, such as engine oil, nuts, bolts, and lubricants. You can add a "Consumables Cover" to your policy for full protection.


Explore the different types of car insurance in India and understand how each policy works. Discover third-party insurance, and own-damage insurance and comprehensive car insurance options, along with essential add-ons and vehicle insurance types, to choose the coverage that best protects your car. This complete guide helps you make informed decisions and stay financially secure on Indian roads. 


What Are the Different Types of Car Insurance in India?

Explore the different types of car insurance in India and understand how each policy works. Discover third-party insurance, and own-damage insurance and comprehensive car insurance options, along with essential add-ons and vehicle insurance types, to choose the coverage that best protects your car.

What are the Different Types of Car Insurance in India? 

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### Is third-party car insurance enough for daily driving?
Third-party insurance fulfills legal requirements but does not cover damage to your own vehicle.

###  Is car insurance useful for older vehicles?
Yes, even older cars benefit from insurance by covering third-party liabilities and reducing repair costs through suitable coverage options.

### Does insurance cover my car if a friend was driving it during an accident?
Yes, as long as your friend has a valid driving licence and was not under the influence of alcohol. The insurance follows the car, not just the owner.

### Is it mandatory to have car insurance for a vehicle I rarely drive?
Yes. According to the Motor Vehicles Act, every car must have at least a Third-party Liability cover to be legally parked or driven on public roads in India.

### What is the grace period in car insurance?
Most insurers offer a 15–30 day grace period for renewal. However, your car is not covered during this time. If you have an accident during the grace period, you cannot make a claim.

### How do I file a claim for my car insurance policy?
Claims typically involve notifying your insurer, submitting relevant documents, and getting your car assessed for repair or compensation. The process varies slightly between third-party and comprehensive insurance.


## FAQs

While many view insurance as just another annual expense, it is, in fact, the only thing standing between you and a massive repair bill after an unfortunate incident. Whether you are a new driver or a regular one, understanding what the benefits of car insurance are is the first step towards responsible and stress-free vehicle ownership.


What are the top benefits of having car insurance?

A car insurance policy is a structured financial safeguard that helps vehicle owners manage risks associated with road travel and legal liabilities. Know what are the benefits of car insurance 


Top Benefits of Having Car Insurance Policy in India

How to lower car insurance premium in India

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### Is pay-as-you-drive car insurance cheaper?
Pay-as-you-drive car insurance is ideal for low-mileage vehicle owners. Since the premium is based on actual usage, it helps reduce car insurance premium without compromising coverage.

### Does lowering car insurance premium reduce claim payout?
No. Lowering your premium through smart choices does not reduce claim payouts, as long as you do not reduce essential coverage.

### Is comprehensive car insurance worth the cost?
Yes, especially for new or high-value cars. It offers wider protection compared to third-party insurance.

### Can I reduce my car insurance premium during renewal?
Yes. Renewal is the best time to remove unnecessary add-ons, update IDV, and compare insurance plans for better pricing.

### Do car modifications increase car insurance premiums?
Yes. Modifications increase the vehicle’s value and risk, which can raise your insurance premium.
What happens if I miss my car insurance renewal?
Missing a renewal can lead to policy lapse, loss of No Claim Bonus and higher premiums during reinstatement. 


Learn how to lower your car insurance without compromising coverage. Understand how car insurance premiums in India are calculated, protect your No Claim Bonus (NCB), and use smart strategies like voluntary deductibles to reduce motor insurance costs while keeping your vehicle well protected.


How to lower car insurance premium in India?


Learn how to lower your car insurance without compromising coverage. Understand how car insurance premiums in India are calculated, protect your No Claim Bonus (NCB), and use smart strategies like voluntary deductibles to reduce car insurance cost.

How to Lower Car Insurance Premium in India 2026

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### Is PAYD insurance cheaper than comprehensive insurance?
PAYD can be cheaper for low-mileage drivers, occasional users, and second-car owners. 

### What happens if I exceed my kilometre limit?
If you exceed your limit without purchasing a top-up, the own-damage portion of a claim may be rejected. Most insurers allow easy kilometre top-ups.

### Is Pay As You Drive insurance suitable for long road trips?
It can be, provided you purchase enough kilometre allowance or top-ups before the trip to avoid exceeding your limit.

### Does PAYD insurance provide full coverage?
Yes, PAYD insurance offers the same protection as comprehensive insurance, including own damage and third-party cover, as long as you stay within your kilometre limit.

### Who benefits the most from pay as you drive insurance?
Drivers who travel limited distances, work from home, use public transport, or own a rarely used vehicle benefit the most from PAYD insurance.

### Is PAYD insurance suitable for newly licensed drivers?
Yes, new drivers who drive limited distances can benefit from lower premiums while building a clean driving record.


FAQs- Pay As You Drive Insurance


Pay As You Drive Insurance: Is It Really Worth It?


Pay As You Drive insurance lets you pay premiums based on kilometres driven. Learn how PAYD works, its benefits, drawbacks, and who should buy it.

Pay As You Drive Insurance: Benefits, Costs & Who Should Choose It

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### Are add-ons useful even if I rarely drive my car?
Yes. Risks like theft, flooding, or accidental damage are not usage-dependent and can occur even when the car is parked.

### Can add-ons influence resale value indirectly?
Well-maintained vehicles with fewer out-of-pocket repairs may have better resale perception, though add-ons themselves do not transfer.

### Are add-ons affected by car modifications?
Yes. Non-declared modifications can invalidate add-on benefits, especially covers related to tyres.

### Can add-ons be transferred when selling the car?
Yes, vehicle-linked add-ons like zero depreciation cover and engine protector are transferred to the new owner along with the policy, provided the ownership transfer is completed within 14 days of the sale.

### Do add-ons cover damage caused by unauthorised repairs?
No. Claims may be rejected if repairs are done at non-network garages without insurer approval, even if relevant add-ons are active.



Choosing car insurance today goes far beyond purchasing a basic policy. With rising repair costs, unpredictable road conditions, and increased traffic risks, relying solely on standard coverage can leave critical protection gaps. This is where add ons in car insurance become essential, allowing vehicle owners to strengthen their policy against situations that are otherwise excluded.


Car Insurance Add-ons – Complete Guide

Learn what car insurance add-ons are, why they matter, and how to choose the right add-on covers like zero depreciation, engine protector, RTI & more in India.

Car Insurance Add-ons in India: Types, Benefits & How to Choose

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Altroz

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