Vehicle Insurance

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Private Car

Zero Dep Plan

Comprehensive cover without the depreciation deduction — the add-on that changes what a claim actually pays.

Replacement parts settled at full value with no depreciation deducted
Materially higher settlements on plastic, rubber and fibre components
Predictable outcomes — you pay the excess and little else

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2 Wheeler

Cover for a bike or scooter — where third-party is compulsory and own-damage is what actually pays you.

Third-party liability is covered without limit for injury and death claims
Own-damage cover pays for accident repair, fire and theft of your own bike
Long-term policies of two or three years lock the premium and remove renewal lapses

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Today Protected. Tomorrow Stronger.

Why Vehicle Insurance?

Unlimited third-party injury liability, as the statute requires
Own damage covered for collision, fire, theft and natural calamity
Zero depreciation removes the deduction that shrinks most claims
Cashless repair across a network of garages, with the insurer paying directly
No-claim bonus reaching 50% of the own-damage premium after five clear years

More than Policies A Partner for Life

What's Covered?

Third-party death and injury — unlimited by statute
Third-party property damage up to the statutory limit
Accidental damage to your own car
Fire, explosion, self-ignition and lightning
Theft, including break-in damage
Flood, storm, earthquake, landslide and other natural calamities

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What's Not Covered?

Depreciation on replaced parts, unless zero depreciation is added
Engine damage from water ingress or oil leakage, unless engine protection is added
Consumables and non-standard fittings not declared
Mechanical and electrical breakdown, and normal wear
Driving without a valid licence or under the influence
Use for hire or reward on a private-use policy — including commercial ride-hailing

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Compare Popular Plans

Plan	Private Car	Zero Dep Plan	2 Wheeler	Misc. Vehicles
Best for	Drive worry-free	Full claim, zero loss	Ride safe	Cover for every drive
Premium from*	₹6,500	₹8,500	₹1,100	₹9,000
Rating	4.6	4.7	4.4	4.1
Details	View	View	View	View

*Indicative starting figures; the final terms depend on your profile.

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Frequently Asked Questions

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What does zero depreciation actually change?

Without it, the insurer deducts depreciation on every replaced part — up to 50% on plastic and rubber, which is most of a modern bumper assembly. With it, those parts are settled at full value. On a car under five years old it usually pays for itself in a single claim.

Is engine damage covered by a comprehensive policy?

Not if it results from water ingress or from continuing to run the engine after a leak. Both are standard exclusions, and both are common in monsoon flooding. Engine protection is the add-on that covers them, and in a flood-prone city it is close to essential.

How is IDV decided and can I change it?

It starts from the manufacturer's listed price less a depreciation scale based on the vehicle's age. Insurers allow some movement around that figure. A lower IDV reduces the premium and reduces the theft or total-loss settlement by the same logic, so set it close to real market value.

Should I claim for a small dent?

Often not. A claim resets your no-claim bonus, which can be worth half the own-damage premium after five clear years, and you still pay the compulsory excess. For minor damage, compare the repair cost with the bonus you would give up before deciding.

Does my policy cover me if I use the car for ride-hailing?

Not under a private-use policy. Carrying passengers for hire or reward requires commercial cover. Insurers do check the vehicle's use at claim stage, and an undeclared commercial use is a clean basis for repudiation.

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