What is Car Insurance Policy?

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Car insurance is a type of motor insurance that is designed to offer financial cover for your car in case of an accident. It is a contract established between you and the insurance company where the company agrees to take on the risk of vehicle damages and you agree to pay the company for taking on that risk in form of premiums. Car insurance contract grants you and your vehicle protection from financial losses due to damages caused to the car in an accident, theft, etc.

Types of Car Insurance Plans

car insurance plans can be of two main types:

Third-Party Liability Car Insurance: This type of car insurance only covers the damages caused to the third-party vehicle in an accident where you are at fault. If the third-party claims reimbursement against the expenses they had to take on for repairs and treatment, the insurance company will cover for them so that you do have to pay out of your pocket.

Comprehensive Car Insurance: Comprehensive car insurance plans cover your vehicle from any damages caused by accidents, man-made disasters (like riots), natural disasters (like storms), theft, total loss of your car, and third-party liability expenses. Depending on your insurance company, the base benefits of comprehensive car insurance can also include personal accident cover (for your treatment expenses), off-road damages, and passenger injury cover.

General Inclusions and Exclusion of Car Insurance


  • Damages to own vehicle by accident, man-made disasters, natural disasters, and theft
  • Damages to third-party vehicles by accidents, lawsuits and legal fees
  • Medical expenses of third-party
  • Personal medical expenses (optional sometimes)


  • Engine protection cover
  • Roadside assistance cover
  • Passenger cover
  • Tire protection cover
  • Depreciation cover
  • No Claim Bonus Protection cover
  • Additional covers as per the insurance company’s unique list of benefits


  • Damages incurred when using the vehicle for illegal activities, after its due usage limit, during the war, nuclear accidents, etc.
  • Accidents caused when driving under Influence of drugs or alcohol
  • Invalid license or under-age driver
  • Damages caused wilfully or due to negligence

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