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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.


## FAQs


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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### What happens if a friend drives my insured car and gets into an accident?
If your friend holds a valid, permanent driving licence and you have a valid Comprehensive policy, the insurance will generally cover the claim.

### Is third-party car insurance enough for my vehicle?
Third-party insurance fulfills your legal requirement but only covers damage caused to others (third-party). It doesn’t protect your own car.

### If I modify my car (like adding CNG or accessories), should I inform my insurer?
Yes, any modification such as installing a CNG kit, alloy wheels, or expensive accessories must be reported.

### What if I sell my car, I transfer the car insurance policy to the new owner?
Absolutely. You can transfer the policy to the buyer’s name by informing your insurer within 14 days of the sale.

### Do I really need car insurance if I drive rarely or just within the city?
Yes. Even occasional drivers are legally required to have at least third-party car insurance.

### Can I claim car insurance for minor scratches or dents?
Yes, you can, but it’s often not advisable because small claims can affect your No Claim Bonus (NCB).


 Understanding your car insurance policy is crucial before you hit the road. Whether you plan to renew car insurance, buy car insurance online, or compare popular plans like Tata AIG Car Insurance, ICICI Lombard Car Insurance, Bajaj Allianz Car Insurance, knowing what’s covered and not covered can help you make smart financial decisions. Learn how to choose the right coverage and explore useful add-ons to fully safeguard your car and finances.


Car Insurance Inclusions and Exclusions


Understand car insurance inclusions and exclusions in India. Know what is covered, what is not, types of car insurance, add-ons, and tips before you buy or renew car insurance online.

Car Insurance Inclusions & Exclusions – What Your Policy Covers & Excludes

Third-Party vs Comprehensive Car Insurance

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### What is the main difference between third-party and comprehensive car insurance?
Third-party insurance only covers damages caused to another person, vehicle, or property. Comprehensive insurance covers both third-party and your own car’s damages.

### Can I switch from third-party to comprehensive insurance later?
Yes, you can upgrade your policy at the time of renewal or mid-term (depending on your insurer’s rules).

### What happens if I drive without third-party car insurance?
Driving without valid third-party insurance is illegal and can lead to heavy fines or legal action.

### I have a car loan. Will the bank require me to buy a specific policy?
Yes, financial institutions and banks that provide car loans typically mandate that you purchase a Comprehensive Car Insurance Policy to protect their financial interest in the vehicle (the asset) until the loan is fully repaid.

### If my car gets stolen, will third-party insurance cover it?
No, third-party insurance does not cover theft. You need a comprehensive policy for theft protection.


## FAQs- Third-Party vs Comprehensive Car Insurance


Choosing the right car insurance policy is crucial for every vehicle owner. The guide will explain the key difference between comprehensive and third-party insurance, helping you decide which cover truly protects your car. Learn how to compare coverage, premiums, and when to renew car insurance from trusted insurers like HDFC ERGO car insurance, Bajaj Allianz.

Comprehensive vs Third-Party Car Insurance: Which Is Better?


Choosing the right car insurance policy is crucial for every vehicle owner. Check key difference between comprehensive and third-party insurance, helping you decide which cover truly protects your car. 

Comprehensive vs Third-Party Car Insurance Differences & Which One Is Better?

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### What happens to the NCB in case the vehicle gets stolen?

In case a vehicle gets stolen, the NCB becomes zero. 

### What is the maximum limit of NCB?

The maximum limit of the NCB is 50%. Policyholders can enjoy this discount after having five claim-free years (though the discounts might vary depending on the insurer).

### What happens to the NCB if the car insurance is not renewed for 90 days from the date of its expiry?

In case the car insurance policy doesn’t get renewed within 90 days from the date the policy expires, the NCB lapses and the holder cannot avail of its benefit. 

### Can NCB be transferred from one car to another?

Yes, NCB can be transferred from one car to another if it satisfies the conditions laid down under the opted car insurance policy. 

### Does NCB apply to third-party insurance?

No, NCB does not apply to the third-party car insurance. 

### How much is the grace period for renewing the car insurance policy?

The grace period is of 90 days and is counted from the date of the expiry of the car insurance.

### Can I secure NCB even after making a claim?

Yes, with the No Claim Bonus protection add-on (paired with a comprehensive car insurance policy), policyholders can secure the ongoing NCB benefits.

### Can I enjoy two claims without losing the accumulated NCB?

Yes, with the No Claim Bonus protection add-on, policyholders can claim twice in the policy year without sacrificing their accumulated NCB.


No Claim Bonus in car insurance or NCB, is a reward provided to the policyholders for having a claim-free year. The discounts on car insurance premiums vary from 20% to 50% aiding them in maintaining financial efficiency and promoting safer driving. Gain a comprehensive understanding of the complete details and vital aspects related to it with this detailed read. 


What is the No Claim Bonus in car insurance?


Learn all about No Claim Bonus (NCB) in car insurance — how it works, eligibility, benefits, maximum discount of 50%, and tips to protect your NCB. Save on premiums while promoting safe driving.

No Claim Bonus (NCB) in Car Insurance: Benefits, Eligibility & Discounts

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