Honda City Car Insurance

Name: Honda City Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Honda City is a Sedan that people buy when they want something premium. The sleek design, smooth cruising and refined cabin comfort make it a choice of many. It appeals mainly to young couples, working professionals, and small families who need a car that looks classy and is easy to navigate in daily traffic.

But driving in heavy traffic can be problematic as city roads are rough and crowded. The Honda City sits low as compared to SUVs, so the speed breakers, broken patches and basement ramps can cause severe damage to your Honda City. Even a minor parking hit can damage the bumper, paintwork or headlamp. The worst part is the expensive repair bill.

That’s why having a good insurance plan is important for Honda City owners. IndusInd General Insurance helps in covering the repair and replacement costs, and add-ons such as Nil Depreciation* help in lowering the claim deductions. Moreover, monsoons can also damage the engine or electrical parts of your Honda City.

But with IndusInd Honda City Insurance, you get coverage for theft, fire, accidents, natural disasters* and third-party liability*. The best part is that claims can be raised via the IndusInd Insurance app*, including video claims. So you don’t have to wander here and there with paperwork and follow-ups.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance offers comprehensive plans that cover a wide range of features like reliable customer support, multiple add-ons, all designed to keep your Honda City protected.

Model Car

15 plus add-on covers

Customise your Honda City insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why do you need Honda City insurance?

Mandatory by Law

In India, every car owner must have at least a third-party insurance cover as per the Motor Vehicles Act. So, it is important to get your Honda City insured, even if you drive it occasionally. If you get caught driving without a valid insurance, you could be fined ₹2000-₹4000 and may even face imprisonment for up to 3 months, as per the offence.

Repair Coverage

The Honda City is a smooth sedan, but regular driving comes with various risks like tight parking, potholes, bumper dents, scratches and underbody damage on speed breakers. Even small repairs can be costly because of parts and labour. With Honda City insurance, accidental repairs are covered, helping you avoid paying heavily from your pockets.

Theft Protection

Since the Honda City is a premium car, losing it to theft can be a big loss. But when you have car insurance, you don’t need to worry. It reimburses you on the basis of the car's IDV. So you can claim the full invoice value of your car with a Return to Invoice add-on.

Natural Disasters Coverage

Floods, heavy rains, storms and waterlogging can cause serious harm to your Honda City. The wiring, engine and interiors can get damaged badly, getting them repaired can be very expensive. With Honda City insurance, damages due to floods, storms, landslides and other natural disasters are covered. Also, the Engine Protection add-on provides added security.

Fire Related Coverage

Fire incidents can completely ruin your car beyond repair. Short circuits, lightning strikes, engine overheating or nearby fires can lead to major repair and replacement costs. Honda City Insurance provides coverage for fire and related incidents. It helps in reducing your financial burden and out-of-pocket spending during emergencies.

Cashless Network Garages

Getting your car repaired at local garages is risky, as they use poor-quality and local parts. These parts look similar but wear out faster and cause damage later. With network garages, your car gets repaired at verified shops using quality parts and proper expertise. Also, you get cashless repair support too.

Types of Honda City Car Insurance Plans

Comprehensive Car Insurance

A comprehensive insurance plan provides dual protection to your Honda City. It covers third-party loss* (death, injury, property damage) and pays for repairs to your own car*. For instance, if your car hits another vehicle in traffic and both vehicles get damaged, this policy helps in covering both repair bills. Also, you can buy add-ons* to increase coverage when needed.

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Pay As You Drive Car Insurance

If you use your Honda City occasionally, then this plan is perfect for you. Instead of paying a full premium like regular plans, you pay on the basis of how much you drive*. For example, if your city mostly stays parked and you only use it for weekends, you can save more compared to standard insurance. It is an ideal option for the low usage drivers.

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Third Party Car Insurance

The third-party insurance plan is mandatory for every Honda City owner in India. It covers damage and injuries caused to someone else, including their property, vehicle and medical costs*. For example, if your car accidentally bumps into a bike or damages someone else’s property, then third-party insurance pays the compensation amount. However, it does not cover the repair expenses of your Honda City.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) cover safeguards your vehicle against losses arising from collisions, floods, storms, theft, and fire-related damages. It helps minimize out-of-pocket repair costs and unexpected financial losses. This policy is available only with active third-party insurance coverage.

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Key Features

Key Features of IndusInd Honda City Insurance

Honda City is built for smooth drives, but accidents, dents, and theft can happen anytime. That’s why having the right insurance plan is important. Have a look at the features and coverage the IndusInd insurance plan offers.

Key Features

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

IndusInd Honda City Car Insurance: Inclusions & Exclusions

Model Car

What is Covered?

Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.

Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.

Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.

Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.

Model Car

What is not Covered?

Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage to your Honda City except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

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

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Honda City Insurance Add-On Covers

Nil Depreciation Cover

Also known as the Bumper to Bumper add-on. It covers the cost of repair and replacement without any depreciation deduction. It covers up to two claims per year.

Pay As You Drive

This add-on lets you pay a premium on the basis of your usage. It is mainly popular amongst people who stay close to their place of work or use it as a second vehicle. You can select between 2500-10,500 kms and extend if required.

Return To Invoice

This add- on reimburses the full invoice price of your Honda City in the event of theft or total loss. This also includes the registration fees and taxes you paid during purchase.

Engine & Gearbox Protection Cover

Engine repair/replacement can be hard on your budget. So this add-on covers any damage caused to your engine, like lubricating oil leakage, engine malfunction, water ingression, hydrostatic lock, etc.

Tyre Protection

If your tyre gets burst or damaged due to impact or road accidents, this add-on comes to your rescue. It provides coverage for the cost of repair and replacement of a tyre ( both with a tube and tubeless).

Key Replacement

Smart keys are common in modern cars, and replacing them can be very expensive. This add-on covers the cost of replacing lost keys, reprogramming smart keys and repairing the lockset, saving you from unexpected cost and hassle.

Consumables Cover

Consumables such as nuts/bolts, engine oil and brake fluid can increase the repair bills by 5-10%. This add-on helps by reimbursing these items, which are not generally covered in the standard plan.

Rim Protection

If your rim gets damaged due to rough roads or accidents, this add-on pays for the repair/replacement of up to 4 rims. It helps you avoid sudden repair costs, which are not covered under the standard policy.

24/7 Roadside Assistance

If your Honda City breaks down on the way, this add-on provides help such as fuel delivery, towing, battery jumpstarts, flat tyre replacement, on site repairs anytime, anywhere. Just call 022 4890 3009 or get in touch via the mobile app.

Loss Of Personal Belongings:

Your valuable items above ₹5000, such as a laptop, phone, bags, etc, got damaged in an accident or stolen from your insured car? This add-on helps you recover the value of these lost items.

Daily Allowance

Is your car in the garage for more than 3 days after an accident? Don’t worry! This add-on provides a daily cash allowance to manage alternate travel until your car is back. The allowance is decided based on your policy terms.

EMI Protection Cover:

If your car is under repair at a garage for more than 21,42 or 63 days, this add-on helps you in paying your car loan EMIs. It is best for people who have car loans and are paying monthly EMIs.

NCB Retention Cover:

If you generally travel to theft-prone areas and carry gadgets in your Honda City, this cover is a must for you. It provides compensation if your valuables, like a laptop, bags worth more than ₹5,000, gets stolen from your locked car.

Electrical Accessories Cover:

It provides coverage to protect your aftermarket fittings like parking sensors, audio systems, rear view cameras and GPS. These are not generally covered under standard inclusions.

Non-Electrical Accessories Cover:

Installed CNG kits or designer seat covers in your Honda City? This add-on covers their damage or loss as well.

EV Battery Protection

Protects your electric Honda’s battery from damage caused by accidents, water seepage, power surge, mechanical shock or explosion. This add-on is essential to protect your EV’s most expensive component.

Electric Motor Protect

Covers repair costs if your electric Honda’s motor is damaged due to electrical failures, short circuits, coolant leakage, water entry, or overheating. This too ensures your out-of-pocket expenses are kept at a minimum.

Electric Vehicle Charger

Pays for the repair and replacement of your electric Honda’s wall-mounted charging unit if it gets damaged by accidents, theft, rodents or natural disasters. We ensure your charging setup stays functional and protected.

How to Buy

How to Buy/Renew Honda City Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

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

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

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

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

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Honda City Car Insurance Premium

Engine Capacity

The engine capacity affects your premium directly. The high CC engines generate more speed and power, leading to wear and tear and an increase in the insurer’s risk. That is the reason cars with big engines have high premiums. Also, third-party premium rates are regulated by IRDAI based on engine capacity. This makes CC a key pricing factor.

Insured Declared Value

IDV is the insurance value of your car, chosen when you purchase the policy. It decides how much you will receive if your car gets stolen or declared a total loss. Higher IDV means better payout and higher premium as well. The best trick is to choose an IDV close to the marker value. So you will get enough protection without spending much.

Insurance Coverage Type

The type of policy you choose changes the premium instantly. Third-party insurance is the cheapest because it only covers damage caused to others. Your own damage plan safeguards your car, but it doesn’t cover third-party claims. A comprehensive plan is the most expensive as it offers coverage for both your car repairs plus third party. That means, more coverage means higher premiums and vice versa.

Add-Ons

Add-Ons provide added protection to your car at an additional cost. The add-ons like engine protection, zero depreciation, key replacement, and roadside assistance can help you save money at the time of making claims. But every add-on adds to your premium. So make sure not to buy add-ons that are not needed. Choose only what is needed as per your car usage.

Modifications to Honda City

Any modifications done to your car can bring a change in the premium. Changes in exhaust or engine tuning surely boost the performance of your car, but they also increase the premium. Even external changes may affect costs depending on the parts. However, safety upgrades can slightly lower the premium. Always make sure to inform about the modifications to avoid claim rejection.

Age of Honda City

The age of your car also affects the premium mainly through depreciation. As the car gets older, its insured declared value decreases. This leads to a decrease in the premium as well. The new cars are high in value, so their premium is also high. On the other hand, old cars can also be costly to insure if spare parts are difficult to find and repairs are frequent.

Car Model

The model of your Honda City also affects the premium. Some cars are very costly to repair because parts are expensive and not easily available. Luxury cars and SUVs usually attract high premiums for this reason. Even within the basic models, insurers look at safety ratings, spare parts pricing and past claim trends. Basically, high repair risk equals a high premium.

Claims History

Your past claim history matters more than you think. In case you do not make any claims, you get a No Claim Bonus. NCB can lower your premium by up to 50%. But if you claim frequently, insurers see you as high risk, which leads to high premiums. In short, clean records mean low premium and too many claims mean expensive insurance.

Voluntary Deductibles

A voluntary deductible is an amount that you agree to pay from your pocket during a claim. When you choose a higher deductible, the insurer's burden decreases, hence your premium also becomes cheaper. But the trade-off is clear: you need to pay more during repairs. So, saving on premiums is great, but only if you can afford claims.

Fuel Type

The fuel type of your car also affects the premium. The premium for diesel cars is higher because repairs can be costly and parts are expensive. However, petrol cars are slightly cheaper. Moreover, electric vehicles and CNG follow different pricing as the repairs are different. EVs can even get discounted rates, but add-ons related to EVs can increase the premium.

Location

The registration location of your car also affects the premium. The metro cities have high premiums because traffic is higher, accidents are common, and claims are more frequent. Flood-prone areas also increase the premium. On the contrary, small towns get low rates due to low risk.

Anti-Theft Devices

Installing an ARAI approved anti theft device can get you a discount on premium. It decreases the chances of theft and shows your insurer that your car is protected. The discount is not so huge, but it is still worth it, mainly for cars parked in the open areas. It is one of the simplest ways to improve safety and save on insurance premiums.

Honda City Key USPs

One of the key USPs of Honda City is its refined engine and smooth cruising that feels effortless on highways and in city traffic. However, even a well-driven car can face accidents, underbody hits and bumper damage. That’s where insurance becomes important. You don’t have to worry about sudden repair bills when your car gets hit, when you have a comprehensive insurance plan. The add-ons, like zero depreciation, can help you get better claim value on replaced parts.

Honda City is mainly preferred by most people because of its premium cabin feel, feature-loaded experience and comfort it offers. But comfort also means expensive parts inside, like sensors, infotainment systems and electronics. Repairs can be very costly if there’s an electrical failure, waterlogging or accidental damage to your car. With the right insurance, these sudden expenses don’t empty your pockets. Not only this, but also you can enhance your safety by adding items like engine protection or accessories for your peace of mind.

The Honda City is reliable, and it has strong resale value. That’s the reason owners wish to maintain it in top condition. If repairs are not done properly, even a small accident can reduce its resale value. With IndusInd insurance, you can get your Honda City repaired at network garages with genuine parts and expertise. This helps in maintaining the overall value of your car. Also, total loss protection and theft cover safeguard your car’s financial worth.

Driving in a crowded city is not easy, sudden braking, tight lanes and unpredictable traffic are a part of the routine. But the Honda City makes it feel controlled with its safety features and stable driving feel. Even then, risks are inevitable. A minor collision, parking scratch and accidental third-party damage can happen in seconds. With Honda City insurance, third-party liabilities are covered, and your own car’s repair costs can be taken care of, too. With instant claim processes and cashless claims support, you stay protected without unnecessary stress.

How to File?

How to File a Honda City Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage and drop off your car at your address.

Step 1: Initiate the Claim

To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Honda City - Models and Prices

Honda City is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. the Honda City continues to be a favourite among car buyers.

Honda City Variants	Price
City SV Petrol MT	₹12 lakh
City Elegant Edition MT	₹12.40 lakh
City V Petrol MT	₹12.74 lakh
City V Petrol MT Apex Edition	₹12.88 lakh
City Elegant Edition CVT	₹13.60 lakh
City VX Petrol MT	₹13.78 lakh
City VX Petrol MT Apex Edition	₹13.91 lakh
City V Petrol CVT	₹13.95 lakh
City Sport Petrol CVT	₹14.42 lakh
City ZX Petrol MT	₹14.92 lakh

Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

The Honda City is one of those cars that quietly becomes part of your routine. Morning commutes, grocery runs, late-night drives, weekend plans, it does it all without drama. But real life on Indian roads isn’t always as smooth as the drive. A tight parking spot can leave a scratch, a pothole can damage the underbody, and one moment of chaos in traffic can turn into an expensive repair bill. If there’s monsoon waterlogging, it becomes riskier.

This is exactly why IndusInd Honda City Car Insurance (formerly known as Reliance General Insurance) is worth having. With coverage starting at ₹308/month*, it keeps you protected without letting unexpected expenses mess with your budget. The insurance plan supports you when things go wrong, from accidents and collisions to fire damage and natural calamities like floods and earthquakes. It also includes third-party liability cover, which is legally mandatory in India and protects you if your Honda City causes injury or property damage to others.

And it isn’t just about coverage on paper, it’s about how easy it is when you actually need help. With access to 11,000+ network garages*, you can opt for cashless repairs and skip the stress of paying upfront. You can initiate the claims using the IndusInd Insurance app, including the video claim feature. Plus, 24/7 customer support is available via WhatsApp and calls, so help is always within your reach.

Secure your Honda City with IndusInd right now, and drive with confidence that sudden expenses won’t be tough on your pockets.

Author - Model Car

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.

Honda City Insurance Starting at Just ₹308/month!*

Give your Sedan the protection it deserves with coverage for theft, own damage and more! Choose from a variety of add-ons to enhance coverage!

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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)

Can I transfer my NCB to a new vehicle? How?

Yes, you can transfer your NCB to a new vehicle. First, you need to sell your old vehicle, then your insurer will give you an NCB retention letter. You can transfer your NCB discount using that letter.

Is it possible to customise the IDV for my Honda City?

Yes, you can customise the insured declared value when purchasing the policy. If your IDV is low, your payout also reduces in total loss/theft. If it is too high, your premium rises unnecessarily. So the best approach is to choose an IDV close to your Honda City’s real market value.

What is the cost of insurance for the Honda City?

The insurance cost for your Honda City is around ₹308/month. However, the exact price of the premium can vary. It depends on factors such as add-ons opted for, type of coverage, geographical location, and age of your Honda City, etc.

Which insurance is good for the Honda City, comprehensive or third-party?

If you want full security and peace of mind, then comprehensive car insurance will be better for your Honda City, as it covers third-party liabilities and damage to your own car. The third-party insurance is surely cheaper, but it offers limited protection and does not cover repair expenses.

What is Pay As You Drive Add-On?

If you do not use your Honda City regularly, then the Pay As You Drive add-on is best for you. If you buy this add-on, you need to pay as per your usage. This can reduce your premium as well. It is best for people who use the Honda City less frequently or on weekends.