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Car Insurance

Private car package (comprehensive) policies compared on add-ons, cashless garages and claim process, with the official third-party premium rates.

Quick facts We compare 19 car insurance plans on stored specifications.

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Car Insurance FAQs

It is fixed by the government, not by the insurer, so it is the same with every insurer. Rates in force from 1 June 2022 (Motor Vehicles): Not exceeding 1000 cc: ₹2,094 a year, ₹6,521 for a 3-year policy; Exceeding 1000 cc but not exceeding 1500 cc: ₹3,416 a year, ₹10,640 for a 3-year policy; Exceeding 1500 cc: ₹7,897 a year, ₹24,596 for a 3-year policy. GST is extra. Source: https://thc.nic.in/Central%20Governmental%20Rules/Motor%20Vehicles%20(Third%20Party%20Insurance%20Base%20Premium%20and%20Liablity)%20Rules,%202022.pdf

Yes. Under the Motor Vehicles Act, every vehicle used in a public place must have at least third-party liability insurance. A comprehensive (package) policy adds cover for damage to your own vehicle.

The own-damage part depends on the vehicle's insured declared value (IDV), its age, city, no-claim bonus and the add-ons chosen, and each insurer prices it differently. Comparezi therefore lists the add-ons and garage networks each insurer states rather than a single price.
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