4 Wheeler
Tailored insurance plans for you
What is Car Insurance?
Car insurance is a type of policy designed to protect you, your vehicle, and any third parties involved in the event of unforeseen incidents, such as accidents, theft, or damage. It provides financial security by covering the costs associated with repairs, replacements, or legal liabilities, giving you peace of mind while on the road.
In India, the Motor Vehicles Act requires every vehicle to have at least third-party car insurance. This mandatory coverage ensures that any financial liabilities toward affected third parties are taken care of and helps you avoid hefty fines for driving without insurance. Beyond this, many policies offer optional add-ons, such as zero depreciation, engine protection, and return-to-invoice coverage, to provide comprehensive protection tailored to your needs.
Beyond the mandatory third-party coverage, car insurance policies offer a variety of optional add-on covers to enhance protection.
KEY FEATURES OF ONLINE CAR INSURANCE
Get your car insurance policy immediately online without any paperwork or delays, so you can drive with peace of mind from day one.
Pay your premiums securely using multiple options like credit/debit cards, net banking, or UPI, making the process fast and convenient.
Renew your policy online in just a few minutes, avoiding long queues and ensuring continuous protection for your vehicle.
Enhance your policy with optional covers such as zero depreciation, engine protection, roadside assistance
Access round-the-clock assistance for filing claims, accident support, and emergency services, ensuring quick and stress-free settlement.
Clearly view all terms, coverage, exclusions, and benefits before purchasing, so you make informed decisions.
How to Buy New Car Insurance Online
Step 1: Enter Your Car Details
Fill in your car information on the Quickinsure website. You can provide just your car number or add details like make, model, RTO, NCB, and manufacturing year for more accurate quotes.
Step 2: Compare the Best Quotes
Based on the details provided, Quickinsure will show you the top car insurance plans from leading insurance companies in India. You can compare premiums, benefits, and add-on options to select the plan that best suits your needs.
Step 3: Make Payment and Get Policy
Pay your premium online securely through Quickinsure. Once payment is completed, your insurance policy is delivered instantly to your email, so you’re protected without any delays.
Step 4 (Optional): Add Extra Coverage
Enhance your policy with optional add-ons like zero depreciation, engine protection, roadside assistance, and return-to-invoice cover for complete protection.
Types of Car Insurance in India
When buying car insurance online with Vaishnavi Insurance, you can choose from different types of policies depending on your needs and budget. Here’s a detailed look at the main options:
Comprehensive car insurance provides complete protection by covering both third-party liabilities and damages to your own vehicle. This type of policy can be enhanced with a variety of add-ons such as Zero Depreciation, Engine Protector, Return to Invoice.
Third-party car insurance covers the legal liability for death, injury, or property damage caused to third parties in a car accident. In India, this insurance is mandatory under the Motor Vehicles Act, making it essential for every vehicle on the road.
Own Damage cover protects the vehicle owner against damages to their own car resulting from accidents, natural disasters, fire, explosion, or theft. This type of insurance is ideal for those who already have third-party insurance.
What Are Car Insurance Add-Ons?
Car insurance add-ons are optional covers that enhance your comprehensive car insurance policy. By paying an additional premium, these add-ons provide extra protection for your vehicle and help you avoid unexpected expenses.
Here are some common add-ons offered by Vaishnavi Insurance:
1. Zero Depreciation Cover
Also known as Nil Depreciation, this add-on ensures that in case of an accident, you get the full claim amount without any deduction for depreciation. Standard policies usually cover only the depreciated value of parts, but with zero depreciation, you are fully protected, especially for cars up to 5 years old.
2. Zero Depreciation with Consumables Cover
Consumables are parts of your car that wear out naturally, such as brake pads, engine oil, lubricants, nuts, bolts, and filters. This add-on ensures that even these consumable parts are covered in case of damage or replacement after an accident.
3. Return to Invoice (RTI) Cover
This cover ensures that if your car is totaled or stolen, you receive the original invoice value of the vehicle instead of the depreciated market value. It’s particularly useful for new cars or vehicles with high resale value.
4. Engine Protection Cover
Covers repairs or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or undercarriage issues. This protects one of the most expensive components of your car.
5. Roadside Assistance Cover
Provides immediate help in case of vehicle breakdowns, including towing, battery support, fuel delivery, or minor repairs at the roadside.
6. Tyre Protection Cover
Standard comprehensive policies may not cover tyre damage unless it occurs in an accident. This add-on protects against burst tyres, cuts, or bulges, reducing unexpected repair costs.
7. Key Protection Cover
Covers loss, theft, or replacement of car keys, including the cost of repairing or replacing key slots and remote key fobs.
What Is Covered in a Standard Car Insurance Policy?
A typical car insurance policy with Vaishnavi Insurance covers:
Damage or loss to your car due to accidents
Theft or burglary of the vehicle
Damage caused by fire or explosions
Natural calamities such as floods, cyclones, earthquakes, etc.
Personal accident cover for the owner/driver
Third-party liabilities, including damage to other vehicles or property
What Is Not Covered in Car Insurance?
Standard policies do not cover:
Damage caused by war, riots, or similar events
Accidents while driving under the influence of alcohol or drugs
Damage occurring when driving without a valid license
Losses when the insurance policy is expired or inactive
Regular wear and tear of parts due to usage
Third-party vs. Comprehensive Car Insurance
| Coverage | Third Party Policy | Comprehensive (Package) Policy |
|---|---|---|
| Damage to Third-Party Vehicle | ✔ | ✔ |
| Damage to Third-Party Property | ✔ | ✔ |
| Injury / Death of Third-Party Person | ✔ | ✔ |
| Personal Accident Cover (Optional) | ✔ | ✔ |
| Damage to Own Car due to Natural Calamities | ✖ | ✔ |
| Damage to Own Car due to Fire | ✖ | ✔ |
| Damage to Own Car due to Accident | ✖ | ✔ |
| Theft of Own Car | ✖ | ✔ |
| Damage due to Man-made Disasters (Riot, Strike, Terrorism) | ✖ | ✔ |
| Coverage for Own Vehicle | ✖ | ✔ |
How to Renew Car Insurance Online with Vaishnavi Insurance
Renewing your car insurance online is quick and hassle-free. Follow these simple steps:
Research Available Policies – Check the different car insurance options offered by Vaishnavi Insurance.
Select a Policy – Choose a plan that best meets your coverage requirements and budget.
Provide Required Details – Enter your vehicle and personal information for policy renewal.
Add Optional Covers – Select any add-ons like zero depreciation, engine protection, or roadside assistance if needed.
Make Payment – Pay the premium online securely and receive your renewed policy instantly via email.
How to File a Car Insurance Claim Online
Filing a claim with Vaishnavi Insurance is straightforward and convenient:
Notify Your Insurance Provider – Inform Vaishnavi Insurance about the incident as soon as possible.
Submit Documents – Upload or submit all required documents, including FIR (if applicable), policy papers, and repair estimates.
Inspection and Verification – The insurance team will inspect your vehicle and verify the claim details.
Vehicle Repairs – Take your vehicle to a network or private garage of your choice for repairs.
Claim Settlement – Vaishnavi Insurance will settle the amount directly with the garage or reimburse you after submission of all receipts, depending on the type of claim.
Why You Should Renew Expired Car Insurance Immediately
Renewing your car insurance without delay is crucial to avoid financial risks and penalties. An active car insurance policy protects you from unexpected accidents, theft, or damages, while also complying with legal requirements. Many policies include a grace period, allowing you to renew by paying the premium plus any applicable charges. You can also explore new plans if you prefer, by comparing available options and selecting the one that best fits your needs.
Benefits of a Car Insurance Policy
Having a car insurance policy with Vaishnavi Insurance offers multiple benefits:
Accident Protection – Covers damages to your car after an accident.
Third-Party Liability – Protects you from financial liabilities for damages or injuries to others.
Legal Coverage – Ensures compliance with road safety laws and Motor Vehicle Act requirements.
Peace of Mind – Provides financial security against unforeseen events, natural disasters, theft, or fire.
With Vaishnavi Insurance, you can buy or renew your policy online in a few simple steps and choose from various plans to match your requirements.
How to Select the Best 4-Wheeler Insurance Policy Online
When choosing a car insurance plan, consider these factors:
1. Type of Policy
Third-Party Insurance – Affordable and mandatory for legal compliance, covers damages to third parties only.
Comprehensive Insurance – Covers both your car and third-party liabilities, along with optional add-ons for maximum protection.
2. Insured Declared Value (IDV)
The IDV determines your car’s current market value and directly impacts premium costs as well as the claim amount.
3. Add-On Covers
Add-ons like zero depreciation, engine protection, roadside assistance, or key replacement enhance your coverage. The number and type of add-ons will influence your total premium but offer better financial protection.
Advantages
Advantages of VAISHNAVI INSURANCE
Trusted Expertise
Our experienced team provides professional guidance, ensuring you choose the right insurance plan for your needs.
Comprehensive Coverage
We offer a wide range of insurance solutions — life, health, motor, home, and business — to protect every aspect of your life.
Customer-Focused Service
We prioritize your peace of mind with personalized support, transparent advice, and prompt assistance.
Reliable Partnerships
Collaborating with leading insurance providers, we bring you trusted, high-quality coverage and benefits.