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Car insurance policy is an agreement between car owner and insurance company that can cover car and car owner, damages cause if you hit someone else, and other accident events. When you get car insurance policy, you are buying “car coverages,” which are essentially things your insurer agrees to pay for compensation to rectify damage car and you.

Car insurance premium is the amount you pay to insurance company on a fixed term example 12 months, in exchange for policy coverage. as your car become older, the Insured Declared Value decreases. The premium for Own Damage cover is calculated as a percentage of Insured declared value.

Car Insurance Add-ons are those covers that you buy for an extra protection for your car during loss or damages. – These add-ons increase your car insurance premium, as you get extra coverages example zero depreciation to protect your insured value you are paying extra premium for extra cover it is better to you buy if your car is less 5 years.

Compare car insurance policy is way to get best policy to suit your needs, you must explore online to get 3 insurance companies quotes before you make up mind to buy car insurance, so that you know benefits and premium of car insurance policy, you may end up save hug amount of money and insurance company may offer you better coverage based your car and driving experience. online insurance aggregator websites can get better additional free riders such as road side assistance, zero depreciation etc to save your money not only while buying and next 12 months no need to pay any extra money when you lose car or down on road.

1. Because enquiry about insurance quotes, buying of insurance and other transactions are simple, transparent and competitive on InsureMile platform.

2. Because InsureMile does not ask you for your phone number or email details, thus you are not harassed by unwanted calls or mail.

3. Because InsureMile will guide you, whenever you need any assistance

You can either purchase Bundled Policy or Long-Term Liability Only Policy for
term of 3 year and 5 year for new Private Car .However, annual Package or annual Liability only policy for new Private Car  is not available as it is not permitted.

Yes, it is mandatory to have a valid PUC Certificate on the date of renewal of the insurance policy.

Own-Damage (OD) cover under Bundled Policy is valid for period of one year and hence, OD section should be renewed on expiry of one-year period. However, Third Party cover under the Bundled Policy is valid for three years (for new Private Cars) or five years (for new Two-wheelers) and hence, it should be renewed on expiry of 3 or 5 year period as the case may be.

Yes, the insurance can be transferred to the buyer of the vehicle, provided the seller informs in writing of such transfer to the insurance company. A fresh proposal form needs to be filled in. There is a nominal fee charged for the transfer of insurance along with pro-rata recovery of NCB from the date of transfer till policy expiry. It may be noted that transfer of ownership in comprehensive/package policies has to be recorded within 14 days from the date of transfer failing which no claim will be payable for own damages to the vehicle.

You can calculate your car insurance premium using the formula:
Premium = Own Damage Premium – (No Claim Bonus + Discounts) + Liability Premium (fixed by IRDAI) + Cost of Add-ons.

Yes, filing an FIR (First Information Report) or providing police intimation is usually mandatory in cases of partial theft involving a car.

Yes, you can cancel your car insurance policy at any time. You do not have to wait until the end of the policy period to cancel it.

No, standard car insurance does not cover 100% of the repair costs. The amount you can claim is typically reduced based on the depreciation of the car’s components.

Yes, by purchasing a Zero Depreciation Cover (also known as Nil Depreciation or Bumper-to-Bumper Cover), you can claim 100% of the repair costs without any depreciation deduction.