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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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### 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

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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.

₹5.50 Lakh - 10.20 Lakh

Punch 2021-2026

₹10.77 - 19.77 Lakh

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₹13.05 Lakh - 24.95 Lakh

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₹7.59 - 13.09 Lakh

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₹11.42 Lakh - 20 Lakh

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₹10.91 - 20.46 Lakh

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₹6 - 10.90 Lakh

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₹4.60 Lakh - 8.90 Lakh

Tiago 2020-2026

₹13 - 26.11 Lakh

Harrier

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