You can go for a standalone own damage car insurance policy if you own a valid third-party car insurance from any insurance providers to cover for any cost incurred due to damages to your vehicle.

No matter if your policy has expired, or is about to expire soon, you can always get it renewed with InstaCover India. Just follow these simple steps:

Step I: Visit www.instacover.co.in

Step II: Enter your Car Brand, Car Variant and Registration Date and Click on Get Quote.

Step III: You will further be asked to enter your current or previous policy expiry date and your no claim bonus (if any)

Step IV: Opt for your choice of car insurance plan (Third-party Car Insurance/Comprehensive Car Insurance) and further customize your policy with add-ons (if you want)

Step V: Complete your payment and your policy will be sent to you online!

It is always recommended to go for a comprehensive car insurance to get complete covers for your car at the time of any mishap or unwanted incident. However, depending on how old your car is, you can also opt for third-party car insurance, but make sure that it won’t cover up for your own vehicle damage in case of stand-alone.

Third-party car insurance does not cover for passengers, however, this is covered up in comprehensive car insurance. Also, passenger cover is also available as add-on with various car insurances, however, it will come with some added premium cost.

Sure, InstaCover India will offer NCB discounts based on your past history with another car insurance provider. Come on over!

Yes you can! We understand that there may be a situation when you are not around a network garage or would like to get your bike or car repaired at another garage of your choice. In this case, depending on the insurer company, you may be reimbursed and the amount, or may even enjoy the cashless benefits.

Some insurer companies also provide pickup services on request, so make sure you use that facility, especially if it is available to you.

The important things that need to be considered before purchasing a proper car insurance policy are:

• How quickly does the claim settlement take place: You would want this thing to take place at the earliest in case of filing a claim, so you should definitely look for this thing.
• Availability of Support: You would not want to waste your time dealing with the customer support if its lazy.
• Cashless Repair facility: Most Insurance providers now offer cashless repair facility at their network garages, so it is a benefit that you should consider when selecting your car insurance.
• Claim settlement history of the company.

You should call us immediately at +91-9995551863 We will help you from there on!

Your NCB gets transferred in the name of your new car on request, assuring some definite benefits and discounts on your premium costs. So you should go for a NCB transfer if transferring your insurance from old car to a new car.

We won’t ask for any excess papers than what is required, and for your ease, we help you get it done online, paperless and hassle-free.

Engine and other major parts such as gear box are not covered in normal car insurance plans. However, you can always opt for add-ons to get your engine and gear box expenses covered. This will come with some extra costs added to your premium.

Tyres and other parts are not usually covered in standard car insurance policy packages. However, there are certain add-ons that you can choose to cover for any other small spare and type damages.

Yes, Car insurance covers for fire accident, however, you need a comprehensive car insurance to get this covered.

Cashless car insurance is a benefit that various insurance providers offer where your repair bills are directly handled by the insurance company if done from the authorized garages and the best part, you don’t have to pay the bills.

A car that is registered, a valid driver’s license, that’s all that is required to apply for a car insurance.

Yes, a car insurance that at least covers for third-party damages is compulsary according to the Motor Vehicles Act 1988.

A Driver’s license of the individual driving the car, a non-expired insurance policy and registration documents of your vehicle i.e. your car registration card; these are the must have documents that you need to keep in your car.

• Check what kind of benefits you are being offered from the insurance company such as the IDV, add-ons, claim process, support etc.
• If you are renewing an existing car insurance, check out the best deals companies are offering as you can save a great deal of money in such scenarios by opting for the right company.
• Review the IDV value and the amount of coverage you are getting for that.
• Understand deductibles and renew the policy accordingly from the right source. Deductibles play a major role in defining your premium cost, but it may make you pay for expenses in case of any accident or mishap, so you need to understand which company offers better returns.
• Don’t forget to claim your No Claim Bonus to lower the cost of premium.

• Duly-filled and signed claim forms.
• a copy of your vehicle RC
• a copy of your valid driving license;
• copy of your policy document, usually the first two pages are sufficient;
• a copy of the FIR;
• Original copy of the estimate cost along with the invoice and payment receipt for payments made for repair in order to place a proper claim.

• Duly filled and signed claim form;
• a copy of the FIR;
• a copy of your valid driving license;
• a copy of the first 2 pages of your policy document;
• a copy of your vehicle RC

In case of car theft, these are the steps you should follow to file a proper claim for your car insurance:

• Lodge an FIR with the Police;
• Tell your insurance company of the theft. The following documents are required:
  • A Copy of your vehicle, i.e. your car’s registration certificate;
  • Copy of your driving License;
  • A Copy of the FIR;
  • Car insurance policy document, usually the first two pages;
  • A letter addressed to the RTO. Once this step is completed, the police will start its search attempts to recover the stolen vehicle, and in case if it is not found within the next 6 months, the police will issue a Non-Traceable Report and complete the transfer of your vehicle in the name of the company that insured your vehicle. Along with these documents, a letter of subrogation will also be submitted. Once the documents get received and acknowledged by the insurance company, the process of claim settlement will take place and the policyholder will get the respective amount settled.

It is possible to transfer the insurance of an old car to a new car, and it is also possible to retain your No Claim Bonus as well. You simply have to inform the respective insurance company about this information.

In case if an old car has been purchased, you will need to have its registration certificate transferred in your name. This also requires the previous owner to transfer the insurance policy in your name so as to comply with IRDAI guidelines which states that the name and address of the car mentioned in the Registration Certificate should match the insurance documents in order to file a successful claim.

The documents required to make car insurance transfer are:

• Form 29 along with a copy of the registration certificate of your car;
• Insurance policy documents – old one;
• NOC (No Objection Certificate) from the previous car owner;
• Completely filled, new application form;
• Vehicle Inspection report that is created by the company making the insurance and is done post a thorough and physical vehicle survey.