large_Pay As You Drive insurance.webp

medium_Pay As You Drive insurance.webp

small_Pay As You Drive insurance.webp

thumbnail_Pay As You Drive insurance.webp

Pay As You Drive insurance.webp

### 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

large_Car Insurance Add-ons -Complete Guide.webp

medium_Car Insurance Add-ons -Complete Guide.webp

small_Car Insurance Add-ons -Complete Guide.webp

thumbnail_Car Insurance Add-ons -Complete Guide.webp

Car Insurance Add-ons -Complete Guide.webp

### 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.



## FAQs

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

small_CarInsuranceInclusionsandExclusions.webp

thumbnail_CarInsuranceInclusionsandExclusions.webp

CarInsuranceInclusionsandExclusions.webp

### 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).


## FAQs


 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

small_Third-Party vs Comprehensive Car Insurance.webp

thumbnail_Third-Party vs Comprehensive Car Insurance.webp

Third-Party vs Comprehensive Car Insurance.webp

### 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.

Third-Party vs Comprehensive 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. 

Third-Party vs Comprehensive Car Insurance: Which one to Choose?

large_InsuranceSEOBanner_02.webp

medium_InsuranceSEOBanner_02.webp

small_InsuranceSEOBanner_02.webp

thumbnail_InsuranceSEOBanner_02.webp

No Claim Bonus in car insurance.webp

### 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

large_CarInsuranceSEOBanner1.webp

medium_CarInsuranceSEOBanner1.webp

small_CarInsuranceSEOBanner1.webp

thumbnail_CarInsuranceSEOBanner1.webp

Car Insurance Guide.webp

### Is car insurance mandatory in India?

Yes, as per the Motor Vehicles Act, 1988, all vehicles must have car insurance. 

### What happens if I drive without insurance? 

Driving a vehicle without insurance is a major offence and is punishable under law. Violators either have to pay a certain amount of penalty, or they may even face some adverse situations such as vehicle seizure, license suspension or other legal consequences. 

### Can I transfer my NCB to a new car?

Yes, you can transfer NCB to a new car only if the insurance is in the same name.

### Which is better: third-party or comprehensive cover?

Comprehensive cover is better as it protects you and your vehicle as well. Further, it also covers all the liabilities that comes under third-party insurance along with providing the option to choose add-ons.

### How long does it take to get the policy copy?

The online copy of the car insurance is sent by the insurance companies via email and it takes a couple of minutes.


FAQs -Car Insurance 

Car insurance is more than just a legal obligation. Having the right car insurance provides financial security against the vehicle loss that occurs due to any mishap, such as road accidents or damage to the vehicle in case of theft, fire, or any other natural calamity. Check out the detailed information about the car insurance to select the right insurance for your car.


The Ultimate Guide to Car Insurance in India


Explore the ultimate guide to car insurance in India. Learn its types, benefits, coverage, add-ons & claim process. Choose the right policy for your needs.

Car Insurance in India – Ultimate Guide to Types & Benefits

large_GSTimpactoncarinsuranceSEOBanner1.webp

medium_GSTimpactoncarinsuranceSEOBanner1.webp

small_GSTimpactoncarinsuranceSEOBanner1.webp

thumbnail_GSTimpactoncarinsuranceSEOBanner1.webp

GSTimpactoncarinsurance.webp

The latest GST 2.0 reform, announced on September 03, 2025, and effective from September 22, created a lot of buzz not only in the automotive industry but also among potential car buyers and current vehicle owners alike. The existing vehicle owners are eager to know the revised GST on car insurance premiums.
If you are one of them or are planning to buy a new car, then we have got you covered.
In this read, we will try to understand what the revised GST has brought for the automobile market, the impact of the new GST on car insurance, and how new buyers are benefited with the GST rate cut.


GST on Car Insurance Policy After 22nd Sep 2025

Know the latest GST 2.0 changes on car insurance from 22 Sept 2025. Learn how revised GST rates affect premiums, renewals & new car buyers in India.

New GST Rates on Car Insurance After 22nd Sept 2025.

A car insurance policy secures your vehicle from any financial losses in the case of a theft or accident. The best car insurance policies provide excellent customer service, full coverage and simple claim settlement.

Leading car insurance companies in India

In India, there are numerous car insurance companies. But Which car insurance company is the best? In this blog, we will discuss the best car insurance policies in India.

Top-rated car insurance providers in India

₹12.49 - 17.49 Lakh

Nexon EV

₹9.99 - 14.44 Lakh

Punch EV

₹7.99 - 11.14 Lakh

Tiago EV

₹10.66 - 18.49 Lakh

Kushaq

₹7.59 - 12.99 Lakh

Kylaq

₹10.50 - 19 Lakh

Virtus

₹17.49 - 22.24 Lakh

Curvv EV

₹11.42 - 19.19 Lakh

Taigun

₹13.29 - 25.96 Lakh

Safari

₹6.30 - 10.51 Lakh

Altroz

# Shankar Motors

ind reliable car offers and deals at Shankar Motors in Patna. Book your car's service or purchase with ease through our trusted dealership.

Shankar Motors | Park+

Shankar Motors

Why Shankar Motors is Better

Brand-wise car dealers & showrooms

Explore Tata Cars Models

Shankar Motors

Why Shankar Motors is Better

Trending Cars

Brand-wise car dealers & showrooms

Explore Tata Cars Models