New Delhi [India], August 5: Car insurance has never been more important or complex than it is in 2025. With roads becoming increasingly congested and vehicles equipped with advanced technology, having car insurance is no longer just a good idea; it’s a legal requirement and a smart way to protect yourself financially against unexpected risks.
There are so many providers and options available that selecting a policy that is right for you can leave you feeling dazed. Consider the main aspects because they are the ones that really matter when selecting a policy. Here is what you should consider before purchasing or renewing car insurance this year.
1. Type of Car Insurance: Third-Party or Comprehensive?
In India, you must have at least third-party insurance as a car owner by law. Third-party insurance covers damage or injury caused to another person or their property, but does not cover your own vehicle. Comprehensive car insurance covers third-party liability, and it also covers loss or damage to your car as a result of an accident, theft, fire, natural disaster, etc. Due to increased costs of repairs and unknown events, comprehensive cover has now become a popular choice for many vehicle owners and drivers.
2. What’s Covered and What’s Not
Before buying a policy, check the inclusions and exclusions carefully. Don’t assume that all plans offer the same level of protection.
Typically covered:
• Accidents and collisions
• Fire and explosions
• Theft
• Floods, storms, earthquakes
• Riots and vandalism
• Third-party liability
Usually not covered:
• Mechanical or electrical failure
• Wear and tear
• Driving under the influence
• Damage due to illegal use
• Driving without a valid licence
Read the policy wording or brochure thoroughly. This small step helps prevent unexpected claim rejections later.
3. Consider Add-On Covers
A standard comprehensive car insurance policy offers strong protection, but you can make it even more robust by selecting add-ons. These are optional benefits that enhance coverage and are well worth exploring.
Popular add-ons include:
• Zero Depreciation Cover: Ideal for new cars, ensures full reimbursement without deducting depreciation.
• Engine Protection Cover: Essential if you live in a flood-prone area.
• Return to Invoice Cover: Reimburses the original invoice value in case of total loss.
• Roadside Assistance: Provides help if your car breaks down mid-journey.
• No Claim Bonus Protection: Keeps your NCB intact even after a claim.
It’s wise to choose add-ons based on your car’s age, usage, and location.
4. Claim Settlement Experience
Insurers are typically rated by how smoothly and quickly they handle claims. When comparing policies, don’t just look at premium amounts. Review the insurer’s claim settlement ratio and customer feedback.
A few things to check:
• Is the claims process digital or manual?
• Do they offer 24/7 support?
• How fast is the average turnaround time?
• Are there positive reviews about customer service?
An insurer known for transparency and ease of service…
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