Car Insurance

Car insurance in Sonipat and across India

Renew your car insurance at a fair price, keep your No Claim Bonus and get real help when you claim.

Quotes from multiple insurers on WhatsApp
Add-ons like zero depreciation explained simply
Help with surveyor and garage at claim time

Who it is for

Who needs car insurance?

Every car owner. Third-party cover is mandatory, and a comprehensive policy protects you from the cost of repairs, theft and flood damage.

If your renewal notice shows a higher premium than last year, send us your details. We compare it with other insurers before you pay.

Salaried car owners renewing before the due date
New car buyers comparing the dealer’s quote
Owners of older cars wanting the right IDV
Families adding a second car

Plans

Types of car insurance

Third-party car insurance

The legal minimum. Covers injury and property damage you cause to others.

Comprehensive car insurance

Covers your own car as well: accidents, theft, fire, floods, riots and more.

Own damage only

For new cars that already have a 3-year third-party policy from the dealer.

Know before you buy

What is covered, and what is not

Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.

Usually covered

Accident repairs to your car
Theft of the car
Fire, flood, cyclone, earthquake and landslide
Damage while in transit by road, rail or ship
Injury or damage to third parties
Personal accident cover for the owner-driver (₹15 lakh)

Usually not covered

Regular servicing, wear and tear
Mechanical or electrical breakdown
Drunk driving or driving without a valid licence
Engine damage from driving through water (unless you add engine protect)
Tyre damage alone, unless caused by an accident

Make it stronger

Car insurance add-ons worth knowing

Explained in plain language. Your advisor will tell you which ones are worth it for you.

Zero depreciation

Get the full cost of replaced parts like bumpers and panels. Recommended for cars up to 5 years old.

Engine protect

Covers water-logging and oil leakage damage to the engine, common in monsoon.

Roadside assistance

24×7 help with towing, flat tyre, battery and fuel.

Return to invoice

On theft or total loss, get back the car’s invoice value.

NCB protect

Make a claim and still keep your No Claim Bonus.

Key replacement

Pays for lost or stolen car keys, including smart keys.

Partner insurers

We compare car plans from

IFFCO Tokio General Insurance
Generali Central Insurance (formerly Future Generali India)
HDFC ERGO General Insurance
The Oriental Insurance Company
United India Insurance Company
National Insurance Company

Paperwork

Documents needed

Registration certificate (RC)
Driving licence of the driver at the time
Previous policy copy (for renewal or No Claim Bonus)
Photos of the vehicle, if the policy has lapsed
FIR copy for theft or third-party injury claims

Claims

How claims work

Stay safe and inform us
Move to safety, take photos of the vehicle and the spot, and call or WhatsApp your A2 advisor.
Register the claim
We help you register the claim with the insurer and get a claim number. File an FIR for theft or third-party injury.
Survey and repair
Take the vehicle to a network garage for cashless repair, or any garage for reimbursement. The insurer’s surveyor inspects it.
Settlement
The insurer pays the garage (cashless) or you (reimbursement). We follow up until it is settled.

Full claims help

Questions

Car Insurance: frequently asked questions

How quickly can I get a quote?

Share your car number, previous policy expiry and whether you claimed last year. During working hours we usually send quotes on WhatsApp within 2 hours.

Will I lose my NCB if I switch insurers?

No. The No Claim Bonus belongs to you. We transfer it using your previous policy copy.

Is zero depreciation worth it?

For cars under 5 years old, usually yes. Without it, the insurer deducts depreciation on plastic, rubber and metal parts, so you pay part of every repair bill.

Can I get cashless repairs?

Yes, at the insurer’s network garages. We will tell you which network garages are near you in Sonipat or your city.

My car is from another state. Can you still help?

Yes. Policies are issued digitally, so we serve customers across India.

Do you charge a fee for advice?

No. Our advice is free for customers. We are paid by insurers as their intermediary, as regulated by IRDAI.

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