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What’s Covered in CarHelpline

Accidents

Damages and losses that may arise out of accidents and collisions

Theft

Covers for the losses incurred when your car is unfortunately stolen

Fire

Damages and losses caused to your car due to an accidental fire

Natural Disasters

Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.

Add later

If there is a car accident and unfortunately, it leads to death or disability of the owner

Third Party Losses

In cases where your car causes damages and losses to someone else, their car or property.

Add-on Covers with CarHelpline

Car insurance add-ons which you can buy with your car insurance policy

Zero Depreciation Cover

Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.

Return to Invoice Cover

In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

Return to Invoice Cover

Tyre Protect Cover

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

Breakdown Assistance

We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking help whenever required, i.e assistance during car breakdowns at any time you'd like. The best part? It doesn't even count as a claim!

Consumable Cover

A consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.

What’s not Covered

It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Partyn Policy holder

In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.

Drunk Driving or without a Licence

You were driving drunk or without a valid driving licence.

Driving without a valid Driving Licence holder

You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

Consequential Damages

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Contributory Negligences

Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

Key Features of Car Insurance by CarHelpline

Key Features	CarHelpline Benefit
Premium	Starting from Rs.
No Claim Bonus	Up to 50% Discount
Customizable Add-Ons	7 Add-ons available
Cashless Repairs	Available at 1400+ Garages with Doorstep Pickup & Drop
Claim Process	Smartphone-enabled Claim process. Can be done online within 7 minutes!
Claim Settlement Ratio	96% Claims Settled for Private Cars *
Own Damage Cover	Available
Damages to Third-Party	Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Car Insurance plans that fit your needs

Third party

A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive

A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.

	Third-Party	Comprehensive
Damages/Losses to own car due to an accident
Damages/Losses to own car in case of fire
Damages/Losses to own car in case of a natural calamity
Damages to Third-Party Vehicle
Personal Accident Cover
Injuries/Death of a Third-Party Person
Theft of your car
Doorstep Pick-Up & Drop
Customize your IDV
Extra protection with customized add-ons

How to file a Car Insurance Claim?

After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!

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FAQ's related to buying Car Insurance Online

Of course, you may have more questions related to renewing or buying car insurance only, so scroll down and find your question answered!

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Can I buy a standalone own damage car insurance policy for my vehicle?