Car Insurance in Delhi

The streets of Delhi are known for their hustle and bustle. With thousands of commuters flocking to the roads at any given moment, accidents and breakdowns may happen. Although inventive initiatives such as the Traffic Prahari app encourage citizens to report violations, the sheer number of vehicles makes it challenging to prevent accidents.

This is where car insurance in Delhi is a practical necessity. For instance, an accidental damage or vehicle breakdown during rush hours can not only be stress-inducing but also expensive. With comprehensive car insurance, vehicle owners have a financial safety net to fall back on. By choosing the best car insurance in Delhi, drivers could transform this potential setback into a manageable inconvenience. And that’s where we come in.IndusInd Car Insurance is designed to address the traffic challenges in Delhi with functional features such as AI-assisted claims and access to more than 11,000 network garages*. Additionally, the IndusInd Insurance app helps insurance holders to seamlessly purchase a policy and also raise claims, ensuring seamless protection.

Why Should You Buy Car Insurance in Delhi?

Cover Earthquakes & Natural Disasters

As Delhi falls under seismic Zone IV, the region is often prone to tremors and moderate earthquakes. In such a scenario, motor vehicles are at risk of serious damage. With Delhi car insurance, vehicle owners are protected from repair costs and even total loss expenses.

Covers Accidental Damage

Delhi’s packed traffic and chaotic road conditions even make seasoned drivers vulnerable to collisions. From minor fender benders in crowded areas to severe accidents, car insurance protects you from repair bills, thereby ensuring your safety on unpredictable roads.

Quick Cashless Claims

Getting stuck after an accident in Delhi’s traffic can be a harrowing experience. IndusInd Car Insurance enables cashless claims in more than 11,000+ network garages*, so your vehicle can be repaired without delay. The IndusInd Insurance app makes the process quick and seamless.

24/7 Roadside Assistance

The quick-paced life of Delhi means a car breakdown can take over the entire day. So, whether you have an unfortunate flat tyre in Connaught Place at midnight or your fuel runs out near Gurgaon, policyholders get 24/7 roadside assistance*. This means help arrives promptly, anytime, anywhere.

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Stats About Delhi Traffic

Delhi has been ranked as the 44th most congested city worldwide. Daily commuters took 23 minutes 24 seconds to cover 10 km in 2024 based on the TomTom Traffic Index. Additionally, data from the Delhi Traffic Police report reveals 1,257 people passed away in road accidents across Delhi in 2023. These alarming numbers underline the urgent need to invest in the best car insurance in Delhi for safety and financial security.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

IndusInd General Insurance offers the best car insurance in Delhi with affordable premiums starting at ₹238/month. Our digital-first approach makes buying, renewing and claiming easy through the IndusInd Insurance app. We cover Delhi's driving problems and monsoon dangers with 11,000+ cashless garages, 48-hour claim approvals and 15+ customised add-ons.

Location Car Insurance

Easy to Buy, Renew & Claim

All possible via our Mobile app

Up to 3 Years Coverage*

Get long term and short term coverage

Video Claims Feature Available

File claims on your phone via our app!

24/7 Customer Support

Get help anywhere in Delhi!

Key Features of Car Insurance in Delhi

Driving in Delhi requires strong protection. Our car insurance policies are curated to match the pace of the city. Ensure affordable premiums, online claim settlement, and 24/7 support to ensure appropriate coverage.

Key Features	Description
Affordable Premiums	Policy starting at just ₹238/month*
Coverages Offered	Coverage for third-party and own damage
Personal Accident Cover	Up to ₹15 lakhs* optional PA cover
Tailored Add-ons	15+ Add-ons, including PAYD*
Digital-First Approach	Buy and renew via the App
Instant Claims	Raise claims quickly via video
Quick Surveys	Survey within 24 hours*
Loyalty Rewards	Up to 50%* NCB + 90%* online discounts
24/7 Support	Assistance via call, chat, and e-mail

Disclaimer: The values mentioned above are subject to change. Please refer to the official policy documents for more information or reach out on the phone.

Types of Car Insurance

Comprehensive Car Insurance

Comprehensive insurance provides well-rounded protection with own damage as well as third-party coverage. This is ideal for Delhi drivers to manage the congestion on streets during regular commutes. With more than 15 add-ons*, insurance seekers can tailor their policy based on their needs.

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Pay As You Drive Car Insurance (PAYD)

With PAYD, you will only pay premiums for the kilometres you actually drive. Policies start from 2,500 km up to 10,500 km yearly*. For instance, if you primarily use the metro for daily commutes and only drive during weekends, your plan will ensure you don’t overpay for unused kilometres. There’s also a 500 km top-up option* if you exceed your limit.

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Own Damage Car Insurance (OD)

Standalone Own Damage (SAOD) car insurance is designed to safeguard your vehicle against losses arising from accidents, theft, fire, and natural events such as floods, storms, and landslides. This cover can be purchased only when you already hold a valid third-party (TP) motor insurance policy. We provide both short-term and long-term SAOD options that can be aligned with the tenure of your existing TP policy. For instance, if your third-party insurance is active for one year, you can select a one-year SAOD cover that runs concurrently with it.

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Third Party Car Insurance

To legally drive on Indian roads, every vehicle owner must mandatorily invest in third-party insurance. This covers the cost of damages to third-party persons or property. Without this policy, vehicle owners can be fined or even imprisoned. We offer both 1-year and 3-year* affordable plan options.

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Inclusions & Exclusions

Car Insurance in Delhi: Inclusions and Exclusions

Location - Car Insurance

What is Covered?

Accidents - Covers repair costs when your vehicle gets damaged in road accidents or collisions.

Fire Damage - Covers car repair expenses for fire, explosion or lightning damage.

Natural Disasters - Covers car damage from floods, storms, earthquakes, etc.

Third-Party Claims - Covers damage or injury you cause to others or their property.

Transit Damage - Covers damage while transporting your car by road, rail or air.

Theft Protection - Financial protection against car theft or break-in damage.

Location - Car Insurance

What is Not Covered?

Regular Wear and Tear - You’re covered for repair bills, but coverage of wear & tear of parts is excluded.

Engine Breakdown - Engine-specific failures not associated with accidents will require add-on coverage.

Illegal Activities - We cover all accidents in Delhi , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Looking for the best car insurance in Delhi?

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Car Insurance Add-On Covers in Delhi

Finding the best car insurance in Delhi often comes down to choosing the right add-on covers depending on your personal needs. With traffic, theft, and seasonal floods in Delhi, these covers ensure you receive well-rounded protection with an affordable car insurance price in Delhi. With cost-saving alternatives for added safety, insurance seekers can tailor their policy to suit their requirements.

Nil Depreciation

Get coverage for the entire claim amount without cutting depreciation costs on replaced car parts. This is particularly helpful in Delhi, where minor bumps are fairly common in traffic.

Pay-As-You-Drive

Your premiums are calculated based on 2,500–10,500 km* driven yearly. This is ideal for Delhi commuters who often only drive on weekends and use the metro otherwise.

Return to Invoice (RTI)

This option provides compensation for the entire invoice amount, including applicable fees and taxes, in the event that your car is stolen or totalled in an accident.

Consumables Cover

Offers compensation for items such as oil, nuts, and bolts at the time of repairs. Although small, these items add cost later and are generally excluded from standard policy, which makes this add-on highly valuable.

Daily Allowance

Covers alternate travel expenses if your car is under repair for more than three days. This helps cover daily commuting expenses, thereby ensuring minimal disruption to your routine.

EMI Protection

Pays the EMIs for your car loans if repairs are taking longer than 21, 42, or 63 days*. This is helpful during long repairs, which can happen in busy city garages.

NCB Retention Cover

Helps policyholders protect their no-claim bonus (NCB) discount even after raising claims. This add-on allows up to 2 claims per year* without losing the NCB benefits.

Engine Protection Cover

Provides coverage for the repair costs of engines for damages caused by floods or oil leaks. This can be particularly beneficial during monsoons in Delhi, which cause waterlogging.

Tyre Protection

Safeguards against any damage caused to the tyres owing to potholes or road debris, which is a common occurrence on the busy roads of Delhi.

Key and Lock Replacement

If your car keys are lost or stolen, this add-on would compensate for the loss.

Rim Protection

Covers rim damage from rough roads or accidents. This pairs well with the tyre cover for complete tyre safety.

24/7 Roadside Assistance

Provides policyholders with round-the-clock towing, fuel delivery, and jumpstart help, which can be highly useful in case your car breaks down.

Loss of Personal Belongings

Offers coverage for laptops, phones, or bags worth ₹5,000+*, that were either stolen from your car or were damaged during an accident.

EV Battery Protection

Protects the most expensive part of the car, i.e., the battery, against accidents, water damage, or electrical failures.

Electric Vehicle Charger

Covers the cost of repairs and replacements of home EV chargers or adaptors that have been damaged by theft or fire.

Electric Motor Protect

Covers your vehicle from short circuits, leaks, or motor failures in EVs.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Delhi ?

Location - Car Insurance

Buy Online

Enter car details and mobile no. You can use our calculator to check SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and OTP. Next, select your policy type and the car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and finish the CKYC with your PAN details to receive your car policy.

Location - Car Insurance

Renew Online

Select ‘Renewal’ and begin your car insurance renewal instantly.

Enter your policy number or vehicle registration number.

Check and update the address or other information if required.

Pick new add-ons if you want additional coverage options.

Make payment online and get your policy renewed right away.

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How to File?

How to File a Claim in Delhi

How to File?

Step 1

Report the accident or damage through the app immediately after the incident.

Step 2

A surveyor is automatically assigned based on your location to inspect the damage at the network garage or accident site. To check the list of our cashless network garages near you instantly, use the widget below.

Step 3

You can also use the app to conduct an online survey with photos and a live video call with the surveyor.

Step 4

Submit documents such as insurance policy, RC book, driving license, FIR and repair estimates.

Step 5

Get the vehicle repaired at a network garage and then we will settle the bills directly with the garage.

Step 1

Call customer service at 022-48903009 to inform us about the accident or damage to the vehicle.

Step 2

The network team contacts you within 24 hours and allocates a surveyor for damage assessment.

Step 3

The surveyor visits the location to inspect the damage, take photographs and prepare a detailed inspection report.

Step 4

Submit the insurance policy, RC book, driving license, FIR and paid repair estimates for verification.

Step 5

Pay the garage bills first, then submit the paid invoices to us for reimbursement.

Key Takeaways

When you drive in Delhi, you are going to be navigating congestion and long commutes. Moreover, with frequent accidents, road safety is a matter of significant concern. Considering this, car insurance in Delhi is not just mandatory but also vital for financial protection.

IndusInd offers affordable plans starting at ₹308/month*, which have made car insurance in Delhi accessible and affordable for commuters. With a smooth claims settlement process, insurance holders can rest assured knowing they will receive prompt support. Additionally, access to 11,000+ network garages* and 24/7 roadside assistance* ensures individuals receive the required help without delay.

Commuters relying on public transport can enjoy the Pay As You Drive add-on* benefit, which contributes to lower premiums. This makes your Delhi car insurance more cost-efficient.

Individuals seeking reliable car insurance in Delhi need not look any further than IndusInd car insurance, which is in tune with the challenges of the city and is aligned with the scope of coverage potentially needed.

Author - Location Car Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

IndusInd Car Insurance in Delhi

Drive Safe on Delhi Roads!

With speedy claim settlement and cashless repairs in more than 11,000 garages*, ensure peace of mind. Whether it is the bustle of Ring Road or Connaught Place, drive stress-free with a reliable Delhi car insurance policy.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

How much does Delhi car insurance cost?

The car insurance price in Delhi starts at just ₹308/month* for cars. However, the premium payable would depend on your vehicle type, the kind of coverage chosen, and add-on policies.

Is theft protection included in Delhi car insurance?

Yes, both comprehensive and own-damage policies compensate for theft or break-in damage to the insured vehicle. This ensures appropriate protection of your vehicle and is a highly recommended add-on for your policy.

Is car insurance mandatory in Delhi?

Yes, the Motor Vehicle Act mandates that every vehicle owner have at least third-party coverage to legally drive in Delhi. Driving without third-party coverage would lead to fines or even imprisonment.

How can I reduce my car insurance premiums in Delhi?

Policy premiums depend on factors such as coverage, claims history, and usage. You can lower costs by: Buying or renewing online, which often comes with discounts (up to 90%); Choosing the right IDV; Maintaining a claim-free record to retain your NCB (up to 50%), or opting for NCB protection; Installing ARAI-approved anti-theft devices; If you don’t drive frequently, opting for the Pay As You Drive add-on* so your premiums are linked to annual kilometres.

What add-ons are most useful in Delhi?

Some of the most popular add-on covers are Engine Protection (for monsoon waterlogging), Tyre and Rim Protection (for potholes), and Roadside Assistance (for breakdowns).