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How to buy Car Insurance?

  • Provide basic details of your Car
  • Compare prices offered by various Insurance Companies and select the plan that fits your requirement.
  • Make an online payment and get your policy delivered to your inbox immediately
Under India Motor Vehicles Act 1988, it is mandatory to have minimum ACT ONLY (which is also popularly known as Third party insurance) Insurance policy, to drive any vehicle on the PUBLIC ROAD. Every type of vehicle which is used for personal, commercial or business purpose should be compulsorily insured.

There are mainly 2 types of Policies.
(1) Third Party Insurance Policy(Act Only Policy) which is a contract, where the Owner (Insured) of the Car pays fixed amount known as premium to Insurance Company and in return the Insurance Company offers financial protection against Third party Liability in case Insured is sued for accidental damages to Third Party Vehicle or property.
(2) Comprehensive Insurance policy which not only covers what is covered under Third Party Insurance Policy but also covers Own Damage to the CAR due to accidental damages or loss by theft of the CAR

Insurance is primarily taken to protect you from unexpected and unlikely events to save you against financial expenses, emotional torture, stress and inconvenience.


Damages and losses that may arise due to accidents and collisions


Covers for the losses incurred when your car is unfortunately stolen!


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, earthquake etc.

Personal Accident to owner

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

Third Party Losses

When a person, a vehicle or a property is injured or damaged due to your car’s accident.
Add-on covers are also known as rider options. Add-on covers are the additional covers or protection that you include in your car insurance plan to keep your car safe from any damages or total loss.They can be easily added to your base plan at the cost of an additional premium amount. Here is a list of popular add-ons for your car plan:
Zero Depreciation
In Case of accident you will receive the entire cost from the insurer without any deduction towards depreciation based on the age of the vehicle. This cover is available for new vehicles normally up to 3 to 5 years
Invoice Cover
In case of theft or total damage to your car, you are only eligible for reimbursement up to the Insured declared value of your car, which will be very less than the Invoice value. In case of such an event, selecting Invoice cover makes you eligible for full Invoice amount reimbursement
24X7 Roadside Assistance
Road side assistance provides support for basic on-road breakdown situations like tyre change, battery jump start, emergency fuel, medical assistance etc which are not covered under Insurance. As the price is very nominal, it is a good to have add-on.
NCB Protection
No Claim Bonus or NCB is the discount you get on your premium for every consecutive claim free year. This can go up to 50% (or even higher) for 5 or more claim free years. This can also get down to zero with even a single claim, so if you have a good NCB then opt for NCB protection to preserve your NCB even after you make a claim
Covers expenses incurred towards 'Consumables' (nut and bolt, screw, washers, grease, lubricants clip, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter, break oil and the like) arising out of damage to the vehicle.
Key Replacement
In case your keys are lost or stolen, you have to request a new one from the manufacturer. In most cases, you may even need to replace the locks, which is another added expenditure. Key and Lock Replacement Cover covers the expenses incurred for procuring a new key. It is a must buy for high end and luxury cars as the new set of keys can be very expensive.
Paid Driver Cover
Cover the paid driver of your car in case of death or disability due to an accident.
Unnamed Passenger PA Cover
Cover all the passengers of your car in case of death or disability due to an accident.
Cover your car's extra fitted electrical and non-electrical accessories.
Bi fuel/ CNG Kit
Your insurer will cover losses or damages of CNG kit of your Insured car.
Loss of Personal Belongings
With this cover in place, your insurer will cover losses arising due to damage or theft of your personal Belongings from the insured car as per the terms and conditions of the policy.
Engine Protector
When the Engine of the car is submerged in a water logged area, using or cranking the engine can result in engine seizing. This is not covered under regular Insurance. Engine protector covers such non-accidental exclusions related to your engine. It is a must buy for luxury cars where engine is very costly & is placed at low ground clearance.
Own Damages for Third-Party Policy holder
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle will not 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
Loss or damage to vehicle when driven by a person without a valid license
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 Negligence
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 by add-ons covers by paying extra premium. If you have not bought those add-ons, the corresponding situations will not be covered.
Key Features Benefit
Premium Minimum premium with maximum coverage
No Claim Bonus Up to 50% Discount
Customizable Add-Ons Add-ons covers available for extra protection
Cashless Repairs Available as per Insurance company tie-ups
Claim Process Very Prompt and efficient
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages
Take Insurance policy at your convenience with just a few clicks without any paper-work. Our web site is simple, reliable user friendly and secured.

XpressBima Offers

  • Easy comparison of premium of various Insurance Companies
  • Minimum premium with Maximum coverage
  • Experienced and professional Team for Effective Claims management
  • Free of cost Portfolio Management Service which keeps records of all your insurance policies and send timely reminder for renewal.
Third-Party liability (Act Only)
This plan protects against the claims made by the third party like the driver of the other vehicle, passengers or owner of the other vehicle, pedestrians, etc. This plan is specifically designed to provide the policyholder cover against the claims made for any bodily damage or injuries to the third party and the damage caused to the vehicle. This is a mandatory policy for all vehicles in India.
Comprehensive Car Cover
This insurance policy comes with higher protection for the vehicle insured. The advantage of buying this insurance policy is that it protects the policyholder and covers own vehicle damage due to accident, fire, theft, vandalism, etc. This policy also includes what is covered under Act Only Policy- third party liability. Added benefits and features are also provided by “Add-on” covers under this plan which makes it one of the best plans for car insurance.
Key Features ACT ONLY POLICY (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
Theft of your car
Doorstep Pick-Up & Drop
Customize your IDV
Extra protection with customized add-ons
Damages to Third-Party Vehicle
Damages to Third-Party Property
Personal Accident Cover
Injuries/Death of a Third-Party Person
  • 1
    No More dependency on middlemen/agent
    Insurance Agents would only show some of the plans and information. But when you buy Policy on-line then you can look for plans yourself and customise them according to your requirements. You can easily compare policies and premium offered by various insurance companies depending upon your research without receiving biased information from your agent. Not to forget, on-line policies are normally cheaper.
  • 2
    Zero Paperwork
    You can forget about filing your papers and keeping your car insurance documents locked in a safe. Buying car insurance online requires zero paperwork. You simply have to upload a few necessary documents online and all is approved swiftly. All your information is safely.
  • 3
    Convenient & Saves Time
    Gone are the days of setting up appointments with your agents. You no longer have to stand in queues to get your claims approved. Everything is now paperless. You can buy a policy, pay premiums in just a few clicks. Buying car insurance online saves you so much time and hassle.
  • 4
    Payment Reminders
    We utilise technology to help you through the policy journey. We will endeavour to send you multiple and timely payment reminders. You simply cannot miss any renewal or premium with such service
  • 5
    Cashless Facility
    Now, Insurance companies have made tie ups with various garages all over India to offer a cashless experience to you. You can visit any of these network garages and workshops, get your car repaired, and leave without paying a penny. The payment to the garage will be settled by the insurance company directly
  • 6
    Easy Comparison
    You can shortlist insurance policies from different insurance companies. Comparing policies helps you gain a comprehensive look on the benefits and drawbacks of each policy.
  • 7
    More Cost-Effective
    Buying car insurance online saves a lot of your money. There is less paperwork, no running to-and-fro which makes it extremely cost effective. You can choose your premium amount and add or subtract benefits from your policy according to your requirement and budget
  • 8
    Soft Copy of the Document
    Online car insurance is one of the easiest and quick processes of buying an insurance policy. The insurance company ensures that all the documents required to make claims, process renewals and pay premiums are sent to you. A soft copy of each document will be emailed to your personal ID. You can have easy access to it anytime you want.
What is IDV (Insured Declared Value ) in Car Insurance?
Insured Declared Value - IDV is the maximum amount your insurance provider can give you, in case your car is stolen or totally damaged.
The Insured Declared Value and your car insurance premium go hand in hand. This means, the higher your IDV is, the higher your car insurance premium – and as your vehicle ages and IDV depreciates, your premium also decreases.
Also, when you decide to sell your car, a higher IDV means you’ll get a higher price for it. Price may also be affected by other factors like usage, past car insurance claims experience etc.
So, when you’re choosing the right car insurance policy for your car, remember to make note of the IDV being offered, and not just the premium.
A company offering a low premium may be tempting, but this could be because the IDV on offer is low. In case of total loss of your car, a higher IDV leads to higher compensations. While comparing premium of various companies, it is suggested that premium are checked with reference to IDV.
At the time of resale, your IDV is indicative of the market value for your car. However, if you have maintained your car really well and if it is shining as good as new, you can always aim at a price more than what your IDV might offer you.
What is No Claim Bonus (NCB) in Car Insurance?
NCB (No Claim Bonus) definition: NCB is a discount on premium given to the policyholder for having a claim free policy period.
A no claims bonus ranges from a discount of minimum 20 to maximum 50% and is something you earn at the end of your policy period by maintaining a record of making no car accident claims under your car insurance policy.
This means that you can’t get a no claims bonus when you buy your first comprehensive car insurance policy – you can only get it on your Claim free policy renewal. Your no claims bonus increases after every claim-free year on your policy renewal.
For example, you can earn a 20% NCB after the first year of having no claim under your car insurance policy. This percentage will increase with every claim-free year, reaching 50% after 5 years – and resetting to zero when you make a claim.
After reaching 50% NCB in the 5th Claim Free year, your NCB stops rising and remains the same.
A No Claim Bonus is meant for the car insurance policyholder regardless of the car. This means, even if you switch your car, your NCB stays with you.
If you decide to buy a new car, you will be issued a new car insurance policy, but you can still avail of the NCB you accumulated on the old car or policy.
Zero Depreciation Cover in Car Insurance
A Bumper-bumper or Zero depreciation cover or Parts Depreciation Cover, makes sense for cars less than 5 years old. Like everything in life, there is a decrease in value of certain parts of your car.
So, when there is an accidental damage, the full cost of replacement is not given as depreciation is deducted depending on age of the vehicle from the claim amount. But if Zero Depreciation add-on cover is taken then you get the full value of the cost of repair/replacement provided.
In short, if your car is partially damaged, you don’t have to bear the amount being calculated for depreciation and your insurer will take care of everything.
What is Cashless Claims in Car Insurance?
If you opt to get your car repaired with a network garage of the Insurance Company then the Insurance Company will make the payment for the approved claim amount, directly to the Repair Center. This is a Cashless Claim.
Please note, if there are any deductibles, like a Compulsory Excess/ Deductible, any repair charges for which your insurance doesn’t cover you or any depreciation costs, that is to be paid by the insured’s own pocket.
It is an agreement between the car owner (insured) and the Insurance Company where in by paying the premium by the Insured the insurance company agrees to give financial coverage for the perils insured.
Yes. As per the Motor Vehicle Act it is compulsory to have minimum Act Only policy (Third Party Liability Policy) for those vehicles plying on the public road which covers the damages done by the insured vehicle to any third party property damages or injuries to the third party
Comprehensive Insurance covers Own Damage to the CAR + Act only cover which is required as per Motor Vehicle Act. As per the law I am required to have minimum Act only (Third Party) policy but this covers only third party liability in case Insured (Owner of CAR) is sued for accidental damages to Third Party Vehicle or property. Own damage section of comprehensive Insurance covers the man-made causalities or nature’s causalities and Insured can claim from the insurance company for the damages sustained to your CAR due to the accident. Hence by opting for comprehensive cover you can have peace of mind that if there is an accident then the Insurance company shall pay for the financial loss suffered by you due to an accident for loss and damages to the CAR as well as any third party liabilities.
No claim discount: when the Insured do not claim on the Insurance company during the last policy period, at the time of renewal the Insurance company offers NCD which is nothing but a reduction of the premium for the claim free year
No documents is required to be submitted but it is always advisable to have the details of the previous policy and Registration Book handy so that appropriate information could be submitted while submitting the data for on line policy.
Presented below are 5 express reasons to purchase your next insurance policy online or pay insurance premium online. As noted before, it is all about combining convenience with simplicity.
a) Lots of Options- Whilst the offline search for insurance policies may seem convincing enough, you aren’t actually seeing the whole picture. It’s not your fault- legwork can be daunting, and you cannot convincingly check out all the available options in a defined period of time. Thus, checking out all the available options (inclusive of the pros and cons, terms and conditions, qualification factors and peer reviews) online makes for a very sensible choice.
b) Avoid the Mind Games- When dealing with an insurance agent, you are forced to match with a fellow human being who isn’t an impartial authority with regards to what suits your condition the best. He is a salesman who is trying to sell you a product, and all the marketing tricks are in play. Thankfully, this isn’t a problem when buying insurance policy online. In light of all the information before you, an informed and accurate decision can be made instantly.
c) Buying Online is Cheaper- Insurance companies prefer it if you buy their insurance policies and/or pay your premiums online. This is because the said companies don’t have to pay the agents any hefty commissions and the commonly incurred costs pertaining to sales, documentation and other facets of the policy are saved. Thus, the costs are kept low and all the benefits reaped are passed onto the customer. It is a win-win situation for both the insurance company and the customer.
d) Discounts and Offers- To encourage people to purchase insurance policies online, insurers, in collaboration with partners, offer lucrative discounts and offers. For instance, some credit cards companies as the ones offered by Citibank and Standard Chartered Bank offer 5% cash-back to their cherished customers as and when they affect a credit card transaction. Why not use this facility to pay your insurance premium and avail a sizable profit?
e) Its Faster, Safer and Simpler- Obviously, running a rat race to find the best insurance plan versus checking out the ‘one’ online are poles apart in terms of the time, energy and patience involved. Plus, insurers ensure that when it comes to safety, financial transactions on their websites are akin to the online equivalent of Fort Knox. Plus, procedures are so simple, even a child could complete them all (not a recommended proposition though).
Hence, buying the insurance policy online is totally worth it when compared to buying from the traditional sources. In this modern age of internet, fast connectivity and banking’s enhanced presence online, choosing the slower option could be considered a costly mistake
a. Loss or damage if policy is not in force
b. Accidental damages caused when the CAR was used for illegal activities
c. Gradual wear and tear of Vehicle and its parts and damages due to war and nuclear risks
d. Loss or damage to vehicle when driven by a person without a valid license
e. Loss or damage to vehicle as a result when driver was under the influence of intoxication due to drugs, alcohol etc.
f. Loss or damage to engine as a result of oil leakage and hydrostatic loss unless specifically covered
g. Loss or damage to vehicle as a result of abuse, misuse, and in contravention of manufacturers guidelines
h. Fire, explosion, self-ignition or lightning
i. Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm
j. Burglary, housebreaking or theft –The Insurance company shall pay equal to IDV
k. Riot, strike and terrorism
l. Earthquake (fire and shock damage)
m. Accidental external means
n. Malicious Act
o. Terrorist Activity
p. Whilst in transit by road, rail, inland waterway, lift, elevator or air
q. Landslide, Rockslide
Insured Declared value: IDV is maximum amount the Insurance Company pays to the Insured at the time of the claim if the vehicle is Total Loss or Stolen. It is the Sum Insured and the same is fixed at the commencement of the Policy.
IDV is calculated on the basis of Manufacturers selling price of the brand and model which included local duties and taxes excluding Registration and Insurance. Different depreciation slabs are mentioned below to arrive at the IDV.
  Age of the vehicle  % of depreciation
 If not more than 6 months  5%
 More than 6 months but less than 1 year  10%
 More than 1 year but less than 2 years  20%
 More than 2 years but less than 3 years  30%
 More than 3 years but less than 4 years  40%
 More than 4 years but less than 5 years  50%
For more than 5 years – The rate of depreciation varies from one insurer to another insurer
It is the minimum amount which the Insurance Company has mentioned in the policy that will be paid by you at the time of each and every claim. The amount varies from Cubic capacity. For less than 1500 cc the deductible is Rs 1000 per claim and for more than 1500 cc the deductible is Rs. 2000 per claim
Yes. Renewal Notice or confirmation from the expiring Insurance Company Policy is sufficient proof that you did not claim anything in the previous year which makes you entitles for NCD even if you buy a new vehicle or change the Insurance Company.
Following are the discounts:
• Automobile association Membership.
• Increase in compulsory deductible – Policy excess
Yes 18% GST is applicable on Insurance premium.
Yes. Broadly the cities are divided in to Zone A and Zone B. Zone A having cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata. Mumbai, New Delhi and Pune. Zone B: Rest of India. Zone A attracts little higher premium.
Yes. It is compulsory. You need to intimate the value of the kit and additional premium need to be paid to have cover under own damage section. You also need to make the Registration Book change making an endorsement allowing to use CNG / PNG
YES. Necessary intimation of the sale be communicated to the insurance company and a new proposal form to be filled in the name of new buyer duly signed by the new buyer and the Insurance company charges some additional fees to transfer the insurance from the date of sale to the expiry of the existing Policy in the name of the new buyer. If the original owner was getting the NCD then the new Buyer shall have to pay on pro-rata basis the NCD as well.
Please note that the original buyer needs to get the vehicle transfer within 14 days from the date of transfer of the vehicle
Yes if you can provide the evidence that the vehicle has been insured at other insurance company, or the vehicle has been sold or vehicle registration book has been cancelled by the RTO office then you can cancel the Insurance and get the pro-rata refund.
Yes on submission of the request letter, the Insurance provider shall issue the duplicate policy on charging nominal fees.
a. The Duly Signed Claim Form
b. Estimate of repairs
c. The Original Copy of the FIR, if applicable
d. Copy of The Policy Documents
e. A Copy of The Driving License with original for its verification
f. The Original Keys of The Car in case of Total Loss or theft
g. In case of theft: Copy of the letter addressed to the RTO intimating theft
h. Copy of The Vehicle’s Registration Book
i. RTO Transfer Papers Duly Signed Along With the Necessary Forms (Form 28, 29, 30 And 35).
j. In case of theft or total loss: Once the local police station submits the final no-trace which means the vehicle could not be found and the claim is approved, you must transfer the RC of the stolen car in favour of the insurance company, hand over all sets of keys and issue a letter of subrogation to the insurance company. Although filing a car insurance claim is fairly straight forward, it is important to do it properly or else the claim can become null and void.
Here we bring you a few imperative pointers on how to claim your CAR insurance, in any of the following scenarios.
Submit the following to your insurance provider at the time of Claim
  • The Duly Signed Claim Form
  • The Original Copy of the FIR, if applicable
  • Copy of The Policy Documents
  • A Copy of The Driving License with original for its verification
  • The Original Keys of The CAR
  • Copy of the letter addressed to the RTO intimating theft
  • Copy of The Vehicle’s RC
  • RTO Transfer Papers Duly Signed Along With the Necessary Forms (Form 28, 29, 30 And 35).
Once the local police station submits the final no-trace which means the vehicle could not be found and the claim is approved, you must transfer the RC of the stolen CAR in favour of the insurance company, hand over all sets of keys and issue a letter of subrogation to the insurance company. Although filing a CAR insurance claim is fairly straight forward, it is important to do it properly or else the claim can become null and void.
  • Keep the copies of your insurance Policy and its related paperwork up to date and intact.
  • After an accidental damage, immediately take pictures of the damage to the vehicle or any third party property irrespective of whose mistake attribute to the accident.
  • In case of major accident or death or personal injuries to any one due to accident it is advisable to inform the Police authorities and obtain the police papers. File an FIR which is very important for the claim process. Filing FIR is mandatory in the third party liability claim and without it, to make a claim will be very difficult for you
  • If it is possible, if the other party has not run away, record the details of the other vehicle including the model number, vehicle number, make of the CAR and most important the insurance details of opposite vehicle. These details will be required to file and get the claim smoothly.
  • Make a call to the representative of the insurance company you have been dealing with, at the earliest or you can call claim assistance team of xpressbima.in and take guidance from the representative on how to proceed and what forms or documents will be required to support your claim. Present all the correct and validated information.
  • Fill up and submit the duly signed claim form to the Insurance Company and submit the same along with the copy of the estimate of Repairs. Please do not commence the repairing/replacement of the vehicle till the damages are inspected by the surveyor deputed from the Insurance Companies.
  • Surveyor or inspection officials will be sent by your insurance provider to inspect and evaluate. This will include inspection and verification of the damage to the CAR, examining the evidence of any injury claims, and checking the original registration book and the driving License.
  • The surveyor will assess the loss with the repairer and on completion of the repairs all original bills and receipts should be submitted to the Insurance Company for their processing of the claim.
  • If there is HYP / HPA on the vehicle then the No Objection Certificate should be obtained from the financer.
In Case of Theft of a CAR.
  • Lodge an FIR with local police station immediately without wasting any time.
  • Call the insurance provider office and inform the theft.
  • Write with Registered AD letter to the RTO (Road Transport Office) and inform the theft.
  • Fill the claim form offered by the insurance company, providing the information such as policy number, vehicle registration number, RC number, date time and little description of the incident where the theft took place

Reg. Office : B-711, Mondeal Heights, Next to Hotel Novotel, S.G. Highway, Satellite, Ahmedabad 380015 Gujarat -India
IRDAI Direct Insurance Registration No. 639 - Valid till 06th March, 2024
Contact No. +91 9727227797 ; E mail: info@arron.in
Tollfree : 1800123000044
Principal Officer : Mr. Ramesh K. Patel ; E mail : rameshpatel@arron.in

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