Car insurance in Mumbai

This helps insurance holders get the entire cost of replacement for parts without deducting depreciation costs. It is available for two policy claims per year and helps save a significant amount of money during repairs in Mumbai.

Premiums in this policy depend on the kilometres you actually drive. The limits have been set between 2,500 and 10,500 km yearly*. It is an ideal option for residents who rely on public transport and drive occasionally.

If your car is stolen or damaged, this add-on reimburses the entire invoice value. It also covers the registration fees and the taxes paid at the time of purchase. This helps you recover the real value in areas with a high risk of theft.

Mumbai monsoons are infamous for flooding, which could severely damage car engines. This add-on provides coverage for repair costs of engine damage due to floods, oil leakage, or breakdowns.

The uneven road conditions in Mumbai and numerous potholes are often the cause of tyre cuts and punctures. This cover will pay for the repair and replacement costs of both tube and tubeless tyres, ensuring you don’t have to pay these costs out-of-pocket.

How often do you misplace your keys? If you have to count, you may need this cover. It helps pay for the costs of replacement, reprogramming, or repairing locks and smart keys. In addition to ensuring convenience, this also enhances security for your car. 

When your vehicle is being repaired, the costs of consumables such as oils, nuts, bolts, and lubricants have to be borne by the vehicle owner, as this is not covered in a standard policy. With this add-on, however, these small but frequent expenses are reimbursed, thereby reducing financial strain.

Driving on the pothole-ridden roads of Mumbai means frequent delays and stress. This add-on will cover the cost of up to four rims per policy year. This helps maintain the look as well as the safety of your beloved car. 

If your car breaks down in the rush-hour traffic of Mumbai, you could be greatly stressed. This add-on gives round-the-clock towing, fuel delivery, jumpstarts, and basic repairs. It helps ensure you never feel helpless or stranded, whether on highways or in flooded neighbourhoods.

Expensive belongings kept in your car, such as laptops, phones, or bags (items worth over ₹5,000*) can also be protected. It is a valuable cover for working professionals in Mumbai as it enables them to financially protect their personal belongings against theft.

If your car repairs take longer than three days* this add-on provides cash to make arrangements for alternative transport. It is ideal for Mumbai dwellers who are dependent on their car for everyday commutes.

Extended repairs can cause additional strain if you have a car loan. The EMI protection cover will pay the EMIs on behalf of the policyholder if their vehicle is getting fixed up in an authorised garage for 21, 42, or 63 days*. This ensures repayment continues without hindrances.

Generally, raising a claim reduces your no-claim bonus (NCB). With this add-on, however, individuals can raise up to two claims a policy year* without losing their discount. Insurance holders in Mumbai can save up to 50% on their premiums at the time of policy renewal.

If your car is equipped with electrical accessories like GPS, music systems, or AC upgrades, this cover will protect them from theft or damage. This is advisable for vehicle owners in Mumbai who modify their cars with non-standard electrical modifications.

For safeguarding aftermarket customisations such as CNG kits or seat covers. While standard fittings are covered in the basic plan, this add-on ensures non-electrical upgrades are also protected. It is a useful cover in Mumbai, where vehicle owners often invest in fuel-saving kits.

Batteries are the most expensive part of electric vehicles, and they are also vulnerable to damage. It is only natural for EV owners to appropriately safeguard their car batteries against waterlogging, accidents, or electrical faults, which is made possible with this add-on.

Home charging units and portable adaptors can be protected with the aid of this add-on against damage, theft, or natural disasters. As the public charging infrastructure is still developing in Mumbai, this add-on cover is an important investment for EV owners who depend on private chargers.

With this add-on, EV owners can protect their vehicle against short circuits, leaks, or failures. It helps electric car owners in Mumbai safeguard their finances from the high-repair costs of EV-specific components that are entirely covered under the policy.