Comprehensive Car Insurance

Also known as zero depreciation or bumper-to-bumper cover, this add-on covers the full cost of repairs without any cuts for depreciation for parts like plastic bumpers, rubber seals or metal panels.

Covers your engine and gearbox if they get damaged by water during floods, oil leaks, or when water gets sucked into the engine. Perfect if you live where it floods often, or if you drive through heavy rain and waterlogged streets regularly during monsoons. We won't pay if you tried restarting your car while it was in water. 

Get help anytime your car breaks down—we'll tow your car, fix flat tyres, jumpstart dead batteries, deliver fuel, or do small repairs right there. Great for people who drive a lot, take highway trips, travel long distances, or drive late at night and need quick help. Towing is usually free only up to a certain distance from where you broke down.

Pays for small but necessary items like engine oil, nuts, bolts, screws, brake fluid, AC gas, grease and washers used when fixing your car. Best for car owners who want to minimise out of pocket costs, since these additional costs can add up fast. Usually works only when there's other damage to your car that's already covered.

Get your car's original purchase price after accounting for depreciation if it is stolen and not found or is declared a total loss after a major accident. We will also cover taxes and registration fees, if your car wasn’t recovered or found, making this cover a great addition to your bike insurance policy.

Lets you make one or two claims each year without losing the discount you've earned by not claiming for years. Perfect for careful drivers who've built up big discounts (35-50%) but want to claim for small accidents without losing those savings. Usually not available if you're just starting or have low discounts. One claim without this resets your discount to zero, costing you thousands extra when you renew.

Pays to replace lost or stolen car keys, reprogram smart keys or change your entire lock if needed for security. Must-have for modern cars with expensive smart keys, keyless entry, or push-button start that cost ₹5,000-₹25,000 to replace. You can usually claim once or twice per year, maximum. Smart car keys can cost up to ₹25,000 to replace yourself without this cover.

Pays to fix or replace damaged tyres because of bursts, punctures, cuts, or bulges from potholes, sharp objects, or accidents on the road. Recommended if you drive daily, use rough roads, drive in cities with many potholes, or travel on damaged roads often. How much you get depends on how worn your tyres already are - very old tyres get less coverage. Each tyre costs ₹4,000-₹15,000 to replace, which regular policies never cover.

Pays your monthly car loan payments if your car is in the repair shop for more than 21, 42, or 63 days after an accident. Repair time is counted from the date of claim intimation or delivery of the vehicle at our authorised garage, whichever is later.

Gives you cash every day (₹500-₹1,500 depending on your car's worth) when repairs take more than 3 days to complete. Helpful for people who use their car daily for work or commuting and need to pay for cabs or autos instead. You only get paid after the first 3 days, not before. Using cabs or public transport during repairs costs ₹200-₹1,000 daily out of your pocket.

Covers your laptop, phone, bags, or other valuable things kept in your car if they're damaged in accidents or stolen during theft attempts. Best for working professionals who carry work laptops, expensive phones, or business equipment in their car and could lose a lot. Items must usually be worth more than ₹5,000 each, and you need bills to prove their value. Losing a laptop and phone together could cost ₹50,000-₹1,50,000 with no regular coverage.

Pays money to passengers in your car if they get injured, permanently disabled, or killed in an accident while riding with you. Important if you regularly drive family, friends, or coworkers and want them financially protected if something bad happens. Only covers up to how many seats your car officially has, not more. Passenger medical bills and compensation could cost lakhs without the right coverage.

Protects your electric car's battery, the most expensive part, from damage caused by water, moisture, power problems, hits, explosions, or accidents that ruin the battery. Essential for all EV owners because replacing batteries costs ₹2,00,000-₹8,00,000, sometimes half your car's total price. Usually covers batteries in decent condition, not batteries already very old or weak. Regular comprehensive car insurance never covers battery damage, leaving you paying huge replacement costs yourself.

Pays to fix or replace your EV's motor if it breaks because of electrical shorts, coolant leaks, water damage, overheating, or power failures. Essential for EV owners who live where flooding happens or who often drive through flooded roads during heavy rains, where water damage happens easily. You might need to prove you followed the car maker's rules and didn't try driving the broken car. Electric motor repairs cost ₹1,00,000-₹4,00,000, completely not completely covered in regular comprehensive car insurance.

Pays for your home charging station, cables and plug adapters if damaged by accidents, theft, natural disasters, fire, or rats chewing wires and ruining the equipment. Recommended for all EV owners since home charging equipment costs ₹25,000-₹1,00,000 and isn't covered at all in regular car insurance policies. Replacing broken chargers costs tens of thousands from your pocket without this special EV coverage.