the insurer's Private Car Insurance has protected Indian vehicles. Mandatory Third-Party cover, comprehensive Own Damage protection, and NCB up to 50% off your OD premium. Choose from Third-Party Only, Standalone Own Damage, or Comprehensive Package. 3,100+ cashless garages. Owner-driver PA cover ₹15 Lakh. Zero Dep, Engine Protect, RSA, Invoice Protect and more. IRDAI
the insurer Motor· 1st Motor Product· IRDAI Reg. 58· Govt of India Owned
the insurer Private Car Insurance is a statutory and commercial motor insurance product for private cars, mandated under the Motor Vehicles Act 1988.,
— 100% equity held by GOI. — among the first registered general insurers in India. Over 100 years of motor insurance expertise and claim credibility.
· GOI Owned"National car insurance has 3,100+ network garages across India." Take your car to any authorised the insurer network garage and get it repaired without paying upfront. the insurer settles directly with the garage. Find garages at the insurer's website cashless network portal.
Cashless RepairsEarn No Claim Bonus every year you don't make a claim. IRDAI-mandated ladder: 20% → 25% → 35% → 45% → 50% over 5 claim-free years. On a ₹18,000 OD premium: 50% NCB saves ₹9,000/year. Applies ONLY on OD premium, not TP.
Up to 50% Off OD"Up to ₹15 Lakh" Mandatory personal accident cover for the owner-driver of the insured vehicle. In case of accidental death or permanent total disability, ₹15 lakh is paid to the nominee/policyholder. Extendable to unnamed passengers.
PA ₹15L MandatoryThe most customisable product in the the insurer portfolio — 14 named add-ons: Zero Dep (2 claims/year), Engine Protect, Invoice Protect, RSA, NCB Protect, Consumables, Tyre & Rim, Daily Allowance, EMI Protect, Lock & Key, Personal Belongings, and more.
14 Add-Ons AvailableClaim acknowledgement: 3 days. Surveyor appointment: 72 hours. Survey report: 30 days. IRDAI-mandated timelines protect policyholders against delays. the insurer's government-backed claims credibility — one of India's most trusted motor insurers for over a century.
Fast Claims ProcessingThird-Party Only· Standalone Own Damage· Comprehensive Package
the insurer offers three distinct private car insurance products. Third-Party is mandatory by law. Own Damage is optional but essential for full protection. Comprehensive combines both in one policy. New cars require 3-year TP + annual OD as per IRDAI 2018/2024 mandates.
"Mandatory 3-year third-party car insurance for new private cars. Option to purchase annual own damage (OD) cover separately alongside the 3-year third-party policy." When buying a new car at the dealer, you MUST take 3-year TP (single upfront payment). You can add annual OD from any IRDAI-licensed insurer including the insurer — and switch OD insurer every year while keeping the 3-year TP. Call 022 4302 0000 to get the insurer OD on top of your existing new-car 3-year TP.
Section I: Own Damage· Section II: Third-Party· Personal Accident ₹15L
the insurer's comprehensive motor policy covers two sections confirmed from the official policy wording (.pdf). Section I protects your own vehicle. Section II protects you against claims from third parties. Personal Accident is the mandatory owner-driver protection.
Damage from collision, overturning, rollover — the most common motor insurance claim. Partial or total damage, cost of repairs up to IDV.
Most Common ClaimDamage from fire, explosion, self-ignition, and lightning strike. Engine fires, electrical short-circuits leading to fire, fuel system fires — all covered.
Complete vehicle theft pays IDV minus salvage. Partial theft (accessories, spare tyres) covered for actual value. FIR mandatory for all theft claims.
Natural calamities: earthquake, flood, cyclone, typhoon, tempest, inundation, hailstorm, frost. Engine damage from flooded roads: only covered if Engine Protect add-on is held.
Engine Protect needed for floodDamage from riots, strikes, or malicious acts by external parties. Includes mob violence and politically motivated vandalism. External malicious act by unknown persons.
Damage caused by terrorist acts covered under the standard the insurer motor policy. One of the few categories covered in standard motor policies — not requiring a special extension.
Damage from landslides and rockslides — particularly relevant in hilly and mountainous terrain. Covers vehicles caught in natural earth movement events.
"Damage while being transported by air, rail, road, or inland waterway." Covers cars being shipped, transported on trailers, or moved across waterways.
Air· Rail· Road· Water"Unlimited liability as per court award." IRDAI policy confirmed. No upper cap on death/bodily injury claims. Court-determined compensation — which can be substantial in fatality cases involving high-earning individuals.
Unlimited Liability· No Cap"Third-party property damage up to ₹7.5 lakh." Damage to a third party's vehicle, building, goods, or other property. Maximum ₹7.5 lakh per event under the statutory cap.
Capped at ₹7.5 LakhLegal costs and expenses incurred in defending a TP liability claim in court. Lawyers' fees, court fees, and related litigation expenses — within the limits of liability covered.
"Up to ₹15 Lakh" Mandatory personal accident cover for the owner-driver. Death or permanent total disability: ₹15 lakh paid to nominee. Extendable to unnamed passengers on additional premium.
Mandatory· ₹15Lthe insurer IRDAI Policy Document
"The IDV of the vehicle is to be fixed on the basis of the manufacturer's listed selling price and adjusted for depreciation." — the insurer official policy document confirmed. IDV is the maximum amount your insurer will pay in case of total loss or theft. The higher your IDV, the more your premium — and the better your payout in a worst-case scenario.
| Vehicle Age | Depreciation Rate | IDV Example (₹10L ex-showroom) | IDV Example (₹15L ex-showroom) |
|---|---|---|---|
| Not exceeding 6 months | 5% | ₹9,50,000 | ₹14,25,000 |
| 6 months to 1 year | 15% | ₹8,50,000 | ₹12,75,000 |
| 1 year to 2 years | 20% | ₹8,00,000 | ₹12,00,000 |
| 2 years to 3 years | 30% | ₹7,00,000 | ₹10,50,000 |
| 3 years to 4 years | 40% | ₹6,00,000 | ₹9,00,000 |
| 4 years to 5 years | 50% | ₹5,00,000 | ₹7,50,000 |
| Beyond 5 years | Agreed Value | Insurer and insured agree on IDV — typically based on market survey / valuation | |
⚠️ This calculator shows IDV for Total Loss/Theft claims only. For partial damage claims, depreciation applies on replaced parts (separate rate). Actual IDV may vary slightly based on accessories declared to the insurer. Call 022 4302 0000 for exact IDV.
IRDAI-Mandated Slabs· 20% → 50%· OD Premium Only· HonestMoney May 2026
"IRDAI-mandated NCB slabs: 20% after 1 claim-free year, 25% after 2 years, 35% after 3 years, 45% after 4 years, 50% after 5 or more consecutive claim-free years." — HonestMoney (May 2026) confirmed. NCB applies ONLY to Own Damage (OD) premium — not to third-party premium. Maximum 50% discount on OD after 5 claim-free years.
| Claim-Free Years | NCB Discount on OD Premium | You Save (₹12K OD) | You Save (₹18K OD) | You Save (₹25K OD) |
|---|---|---|---|---|
| 1 claim-free year | 20% | ₹2,400 | ₹3,600 | ₹5,000 |
| 2 consecutive claim-free years | 25% | ₹3,000 | ₹4,500 | ₹6,250 |
| 3 consecutive claim-free years | 35% | ₹4,200 | ₹6,300 | ₹8,750 |
| 4 consecutive claim-free years | 45% | ₹5,400 | ₹8,100 | ₹11,250 |
| 5+ consecutive claim-free years | 50% | ₹6,000 | ₹9,000 | ₹12,500 |
⚠️ Rule of thumb: Don't claim unless repair cost exceeds ₹15,000–₹20,000 AND you hold NCB Protect add-on, OR it's total loss or theft. For small dents and scratches, pay out of pocket to protect your NCB.
Probitas Insurance Brokers· takemyinsurance.com
"Availability of add-ons is subject to vehicle age, model, and the underwriting guidelines of the insurer." Add-ons enhance your Comprehensive or Standalone OD policy. Third-Party-only policies cannot have add-ons. Choose the ones that match your car's age, usage, and risk profile.
"Covers replacement of car parts without applying depreciation, ensuring higher claim payout.Up to 2 zero-dep claims per policy year. After exhausting zero-dep claims, normal depreciation applies.". Without this: a ₹30,000 bumper replacement with 35% depreciation = ₹10,500 deducted. With Zero Dep: you get full ₹30,000. Essential for cars up to 5 years.
"Provides coverage for engine damage due to water ingression, oil leakage, or hydrostatic lock, which is otherwise excluded under standard policies. Especially useful in flood-prone or heavy rainfall areas." Standard OD does NOT cover engine damage when your car stalls in a waterlogged road. Engine Protect fills this critical gap — particularly for any city in India during monsoon season.
"In case of total loss or theft, the insurer pays the original invoice value of the car, including registration charges and road tax.The National car insurance will pay the policyholder a sum equal to the difference between the IDV and the current invoice price of the car." A 1-year-old ₹12L car may have IDV of ₹10.2L (15% dep) — RTI pays the full ₹12L invoice.
"Offers 24×7 emergency support such as towing, breakdown assistance, battery jump-start, and minor on-spot repairs. Designed for nationwide assistance and long-distance travel safety." If your car breaks down on a highway at 2 AM, RSA calls a tow truck, arranges minor repairs, or organises alternate transport. Essential for long-distance drivers.
"Allows you to retain your No Claim Bonus even after making a claim, protecting future premium discounts.Claim allowed without losing accumulated NCB (as per policy terms).". Particularly valuable if you've built up 35%–50% NCB over years. Losing 50% NCB on a ₹15K OD premium costs ₹7,500/year for 5 years to rebuild (₹37,500 total loss).
"Pays the policyholder the amount of depreciation deducted on the value of parts replaced and material component of painting charges in case of a partial loss claim." An enhancement of standard Zero Dep — also covers the depreciation on painting charges, which standard Zero Dep may not include.
Covers cost of consumables — engine oil, coolant, nuts, bolts, screws, filters, grease — that are typically excluded from standard repair claims. After an accident, the workshop charges for these consumables separately. Without this add-on, you pay for them out of pocket.
Covers damage to tyres and rims in non-accident scenarios — kerb damage, puncture damage, sidewall bursts. Standard policy covers tyres only at 50% in accident claims. This add-on covers standalone tyre/rim damage in normal city driving. Essential for low-profile tyres on potholed roads.
Named or unnamed passenger personal accident cover extension beyond the mandatory owner-driver PA. If passengers in your car are injured in an accident, this add-on pays compensation to them (or their nominees) up to the specified limit per passenger.
Covers monthly loan EMIs during the repair period if the insured vehicle is under a bank/NBFC loan and is in the workshop for an extended period. If your car is in the garage for 3 months post-accident, this add-on pays your EMI for that period so you don't default on the loan.
Daily cash allowance while the insured car is in the workshop for accident repairs. Helps cover your Ola/Uber/auto costs during the repair period. Amount and duration depend on the policy terms opted — typically ₹500–₹1,000/day for 7–15 days maximum.
Covers cost of replacement of car keys and locks in case of theft or accidental loss of keys. Modern car keys (smart keys, transponder keys, proximity sensors) can cost ₹15,000–₹50,000+ to replace. This add-on covers that cost — especially important for premium cars with expensive smart key systems.
Covers expenses for replacement of driving licence and vehicle documents (RC book, insurance certificate) in case of loss or theft. RTO charges, application fees, and other administrative costs for document replacement — typically ₹2,000–₹10,000 in total.
Covers loss of personal items left in the insured vehicle — laptop, clothes, travel bags, etc. — in case of accident or theft. A separate sub-limit applies for personal belongings (typically ₹25,000–₹50,000). Not available for cash, jewellery, or negotiable documents.
Compulsory Deductible· Voluntary Deductible· IRDAI Mandated
A deductible is the amount you must pay out of your own pocket at every claim settlement before the insurer pays the rest. There are two types: compulsory (mandatory for all policyholders) and voluntary (optional, chosen to reduce premium). Understanding deductibles prevents claim-time surprises.
"Introduction of standard deductibles: ₹1,000 for cars with engine capacity up to 1500cc and ₹2,000 for cars above 1500cc."
This is applied at EVERY claim, regardless of the claim amount. It is non-refundable and non-waivable. Even if you have Zero Depreciation add-on, the compulsory deductible is still deducted. Example: ₹20,000 repair claim on a 1200cc car → the insurer pays ₹19,000 (₹20,000 − ₹1,000 compulsory deductible).
You can choose to take on a higher out-of-pocket amount at claim time in exchange for a lower premium. The higher the voluntary deductible you opt for, the lower your OD premium becomes.
Example: If you opt for ₹5,000 voluntary deductible: at claim time, you pay compulsory + voluntary deductible (₹1,000 + ₹5,000 = ₹6,000) before the insurer pays the rest. The premium savings from voluntary deductible depend on the amount opted and the insurer's discount structure.
Best for: Safe drivers who rarely claim. Not recommended if you drive in heavy traffic daily.
Without voluntary deductible: Compulsory deductible ₹1,000. Parts depreciation (say 20%) on ₹15,000 parts = ₹3,000 deducted. the insurer pays ₹18,000 − ₹1,000 − ₹3,000 = ₹14,000. If Zero Dep held: the insurer pays ₹18,000 − ₹1,000 = ₹17,000.
With ₹5,000 voluntary deductible + no Zero Dep: You pay ₹1,000 + ₹5,000 + ₹3,000 parts dep = ₹9,000. the insurer pays ₹9,000. Total savings on premium (from ₹5K VD): perhaps ₹800–₹1,500/year. Not worth it if you claim even once a year. Worth it if you drive carefully and claim once in 4–5 years.
Cashless· Reimbursement· Theft· Total Loss· IRDAI Timelines
IRDAI-mandated timelines protect you: claim acknowledgement within 3 days, surveyor within 72 hours, survey report within 30 days. the insurer has 3,100+ cashless garages across India — take your car directly to a network garage for cashless repairs without upfront payment.
Probitas Insurance Brokers· takemyinsurance.com
Understanding exclusions prevents claim rejections. Most exclusions are logical — deliberate acts, negligence, or commercial use beyond the policy scope. The unique the insurer tyre rule (50% coverage in accidents) is particularly important to know.
Depreciation, gradual deterioration, and normal wear and tear from prolonged use are excluded. Insurance covers sudden, accidental losses — not the natural aging of a vehicle. This is why IDV decreases each year.
"Mechanical or electrical breakdowns/failures." If your car breaks down due to a mechanical fault (engine seized, gearbox failure, battery failure), standard motor insurance doesn't cover it. Extended warranty products from manufacturers cover these.
"Tyres are covered under the policy when they are damaged in the event of an overall vehicle accident, when the liability of the insurer equals 50% of the cost of replacement." Tyre damage in an accident = 50% covered. Standalone tyre damage (puncture, blowout without accident) = excluded. Tyre & Rim Protect add-on covers standalone tyre damage.
"Damage/accidental loss caused to vehicle when the driver was driving under the influence of alcohol or other mood/mind stimulating substances." Any claim arising from driving under the influence of alcohol or drugs is rejected. This is non-negotiable — criminal liability also arises under IPC and MV Act.
Damage caused while driving without a valid driving licence (expired, wrong category, no licence at all) is excluded. The driver at the time of accident must hold a valid DL for the vehicle category. Learner's licence requires a supervisor — driving alone on learner's = exclusion applies.
Standard the insurer motor policy covers operations within India only. Damage occurring outside India (Nepal, Sri Lanka, Bangladesh trips etc.) is not covered under standard policy. International extension endorsements are available for travel to neighbouring countries — confirm with the insurer/Probitas before driving abroad.
Loss arising from inability to use the vehicle — loss of earnings, alternative transport costs, business loss during repair period — is excluded. Example: you lose business income because your car is in the garage after an accident. Daily Allowance add-on provides partial cash relief for transportation costs during repair.
"Use of vehicle for hire/reward unless specifically endorsed." A private car policy does NOT cover the vehicle if it is being used to carry passengers for payment (Ola, Uber, taxi use). Commercial vehicle policies cover such use. If your private car is registered as private but used commercially, claims can be rejected.
Damage from overloading beyond the manufacturer's specified capacity — carrying more passengers than registered seating capacity, or excess weight in goods — can void claims. Standard policy requires the vehicle to be used within the manufacturer's specified limits at all times.
Damage from nuclear radiation, nuclear contamination, war, invasion, or hostile military acts is excluded. Universal exclusion across all the insurer motor policies and all IRDAI-licensed motor insurers. No Indian motor insurance covers these risks.
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By submitting you agree to our Privacy Policy and Terms & Conditions. the insurer Private Car Insurance· Motor Vehicles Act 1988· IRDAI Subject to the insurer underwriting guidelines. Premium, IDV, and add-on availability depend on vehicle age, model, and the insurer underwriting norms. NCB must be verified against IIB database. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.