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Car Insurance

Protect your car from accidents, theft, fire, and unexpected repair costs with reliable, hassle-free coverage every day.

Know What It Is?

What Does Car Insurance Mean?

Car insurance is an agreement between a vehicle owner and an insurer that offers financial coverage for losses or damages arising from accidents, theft, natural calamities, and other unexpected events. By paying regular premiums, the insurer promises to handle repair expenses, medical costs, and legal liabilities as specified in the policy for your protection.

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Choose What Works for Your Vehicle

Types of Car Insurance Policies You Can Buy

When buying car insurance, it’s important to understand the types of coverage available. Each policy provides a different level of protection for your vehicle, finances, and on-road safety.

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Third-party Liability Cover

Mandatory coverage for damage or injury caused to others in an accident.

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Comprehensive Cover

Covers both third-party liabilities and own vehicle damages or loss.

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Own Damage (OD) Cover

Protects your vehicle against theft, fire, natural calamities, accidental damage.

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Add-ons Cover

Enhance your policy with zero-dep, engine protection, and roadside assistance.

Key Features & Benefits

Why Choose Shreshta for Your Car Insurance?

Secure your car with Shreshta’s dependable coverage, expert guidance, and fast assistance.

Cashless repairs at garages

Hassle-free claim process

Instant policy download

Always available for support

Add-on flexibility

Steps to File a Claim

How to File a Car Insurance Claim

We’re here to help you get back on the road quickly with a simple, transparent, and hassle-free claim process.

Inform the Insurer Immediately

Notify the insurer about the accident, theft, or damage as soon as it occurs.

Submit Documents & FIR

Provide the claim form, policy details, and required documents, including an FIR if applicable.

Get Vehicle Inspected & Settled

The insurer inspects the vehicle, approves the claim, and processes repair or settlement as per policy terms.

Got Questions?

Frequently Asked Questions About Car Insurance

Have doubts about car insurance? We’ve got you covered. Explore common questions about coverage types, policy renewals, claims, and add-ons to make informed decisions and drive with confidence.

Car insurance is a financial protection plan that covers your vehicle against losses due to accidents, theft, fire, natural disasters, or third-party liabilities. It helps you manage repair costs and legal expenses while keeping you financially secure on the road.

Car insurance is mandatory in India and safeguards you from major financial losses. It covers third-party damages, protects your own vehicle, and ensures you comply with legal requirements while driving safely and confidently.

There are three main types: Third-party Liability (mandatory), Own Damage (OD) Cover, and Comprehensive Insurance. You can also enhance protection with add-ons like Zero Depreciation, Engine Protection, and Roadside Assistance.

Premiums depend on your car’s make, model, age, location, fuel type, IDV (Insured Declared Value), add-ons chosen, and previous claim history. Newer cars or high-end models generally have higher premiums.

NCB is a reward for not making any claims during the policy year. It provides 20% to 50% discount on your renewal premium and remains applicable even if you switch insurers.

Yes, the policy can be transferred to the new owner after submitting necessary documents such as the RC transfer, sale papers, and insurer’s approval. Your NCB, however, stays with you and cannot be transferred.
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