Car insurance is a contract between you and an insurance company that protects you financially against losses arising from accidents, theft, natural calamities, fire, and third-party liabilities involving your vehicle. In India, having at least a valid third-party car insurance policy is mandatory under the Motor Vehicles Act, 1988 — driving without one can attract penalties and legal trouble.

Beyond the legal requirement, car insurance acts as a financial safety net. A single accident, a stolen vehicle, or an unexpected natural disaster can cost lakhs in repairs or replacement. A well-chosen four wheeler vehicle insurance policy ensures these costs don't fall entirely on your shoulders.

• 01

  Third-party liability cover

  Mandatory cover for injury, death, or property damage caused to a third party

• 02

  Own damage cover

  Protects your car against accidents, fire, theft, and natural disasters

• 03

  No Claim Bonus (NCB)

  Discount on premium for every claim-free year

• 04

  Cashless garage network

  Repairs at network garages without upfront payment

• 05

  Add-on covers

  Optional riders like zero depreciation, engine protection, and roadside assistance

• 06

  Personal accident cover

  Mandatory cover for the owner-driver

• 07

  Flexible policy tenure

  1-year, multi-year, or long-term plans available

• 08

  Instant online issuance

  Get your policy document digitally within minutes

There are three broad types of four wheeler insurance policies available in India:

• 01

  Third-Party Car Insurance

  Covers legal liability towards third-party injury, death, or property damage. It is mandatory by law but does not cover damage to your own car.

• 02

  Comprehensive Car Insurance

  Combines third-party liability with own-damage cover, protecting your car against accidents, theft, fire, natural calamities, and man-made disasters. This is often referred to as full coverage car insurance.

• 03

  Standalone Own Damage (OD) Car Insurance

  Covers only damage to your own vehicle. Ideal for those who already hold a separate, valid third-party policy (common for cars with multi-year third-party covers bought at the time of purchase).

For most car owners, comprehensive car insurance offers the best balance of legal compliance and financial protection, making it the most popular choice among car insurance companies in India.

Enhance your base policy with these popular add-on covers:

• 01

  Zero Depreciation Cover

  Full claim amount without depreciation deduction on parts

• 02

  Engine Protection Cover

  Covers engine damage due to water ingression or oil leakage

• 03

  Roadside Assistance

  24/7 support for breakdowns, towing, and flat tyres

• 04

  Return to Invoice

  Reimburses the full invoice value in case of total loss or theft

• 05

  No Claim Bonus Protection

  Retains your NCB even after a claim

• 06

  Consumables Cover

  Covers cost of items like engine oil, nuts, bolts, and lubricants

• 07

  Key Replacement Cover

  Covers cost of lost or stolen car keys

• 08

  Passenger Cover

  Extends personal accident cover to co-passengers

1. Visit the Manshree Insurance Brokers website and select "Car Insurance"
2. Enter your car's registration number or vehicle details
3. Compare quotes from multiple car insurance companies
4. Choose your preferred plan — third-party, comprehensive, or standalone OD
5. Select relevant add-ons based on your needs
6. Make the payment securely online
7. Receive your policy document instantly via email/SMS

The entire process to get car insurance online typically takes less than 10 minutes.

• Vehicle Registration Certificate (RC)
• Previous insurance policy copy (for renewals)
• Valid driving license (if applicable)
• Identity proof (Aadhaar, PAN, Passport)
• Address proof
• Passport-size photograph
• Car inspection photos (for lapsed or new policies, as required)

• 01

  Convenience

  Buy or renew anytime, anywhere, without visiting a branch

• 02

  Instant comparison

  Compare plans across multiple car insurance companies side by side

• 03

  Better pricing

  Fewer intermediary costs often mean more competitive premiums

• 04

  Paperless process

  Digital policy issuance and documentation

• 05

  No last-minute rush

  Renew before expiry with automated reminders

• 06

  Transparency

  Clear breakdown of coverage, exclusions, and average car insurance cost before you buy

• 01

  Wide insurer network

  Compare plans from India's leading car insurance companies on one platform

• 02

  Expert guidance

  Licensed insurance advisors to help you choose the right cover

• 03

  Hassle-free claims support

  End-to-end assistance during claim filing and settlement

• 04

  Transparent pricing

  No hidden charges, clear comparison of average car insurance cost across insurers

• 05

  Doorstep service

  Support with documentation, inspection, and renewals

• 06

  Trusted broker

  Years of experience helping customers with four wheeler insurance policy selection and claims

• Accidental damage to the vehicle
• Fire, explosion, or self-ignition damage
• Theft of the vehicle
• Natural calamities (floods, earthquakes, cyclones, landslides)
• Man-made disasters (riots, strikes, terrorism)
• Damage during transit (by road, rail, air, or waterways)
• Third-party legal liability for injury, death, or property damage
• Personal accident cover for the owner-driver

• Normal wear and tear or mechanical/electrical breakdown
• Depreciation of parts (unless zero depreciation add-on is opted)
• Damage while driving without a valid license
• Damage while driving under the influence of alcohol or drugs
• Consequential damages (unless specific add-on is purchased)
• Damage outside the geographical area specified in the policy
• Loss or damage due to war, nuclear risk, or contractual liability
• Claims on a policy that has lapsed beyond the permissible renewal window

• The vehicle must be registered in India with a valid RC
• The policyholder should be the registered owner of the vehicle
• A valid driving license is required for the personal accident cover component
• The vehicle should be roadworthy and not already declared as a total loss
• For renewals, prior policy details are typically required for continuity of No Claim Bonus

Car insurance renewal is the process of extending your existing policy before it expires, ensuring uninterrupted coverage. Letting your policy lapse isn't just a compliance risk — it can also mean:

• Loss of accumulated No Claim Bonus
• Need for a fresh vehicle inspection before a new policy is issued
• Potential gap in coverage during which any accident or theft is entirely out-of-pocket
• Legal penalties for driving without valid third-party cover

Timely renewal keeps your four wheeler insurance policy active without interruptions and preserves the benefits you've built up over the years.

1. Locate your existing policy details (policy number, insurer, expiry date)
2. Visit the Manshree Insurance Brokers renewal page
3. Enter your registration number or upload your current policy
4. Review your current coverage and IDV
5. Add or remove add-ons as per your current needs
6. Compare renewal premiums across car insurance companies
7. Make the payment and receive your renewed policy instantly

If your policy has already lapsed:

1. A vehicle inspection may be required before renewal (photos or physical inspection depending on insurer and lapse duration)
2. Submit inspection details/photos as requested by the insurer
3. Choose a new plan — you may need to start fresh on No Claim Bonus if the lapse exceeds the permissible window
4. Complete payment once the insurer confirms and approves the inspection
5. Receive your new policy document online

It's advisable to renew before expiry to avoid inspection delays and potential loss of NCB.

• Retain your No Claim Bonus by avoiding small claims
• Choose a higher voluntary deductible if you're a careful driver
• Compare quotes across multiple car insurance companies before renewing
• Install anti-theft devices approved by ARAI for additional discounts
• Opt only for relevant add-ons rather than bundling unnecessary covers
• Renew on time to avoid inspection costs and NCB loss
• Choose the right IDV — neither too high nor too low
• Check for loyalty or multi-policy discounts with your insurer

• Type of cover needed – third-party, comprehensive, or standalone OD
• Insured Declared Value (IDV) – should reflect the car's realistic market value
• Claim Settlement Ratio (CSR) of the insurer
• Network garages for cashless repairs in your city
• Average car insurance cost versus the coverage offered
• Add-ons relevant to your driving habits and vehicle type
• Customer support and claim assistance quality
• Policy exclusions and fine print

• 01

  Cashless Claim

  Repairs done at a network garage with the insurer settling costs directly (minimal out-of-pocket expense)

• 02

  Reimbursement Claim

  You pay for repairs upfront at a garage of choice and later claim reimbursement from the insurer

• 03

  Own Damage Claim

  For damage to your own vehicle due to accident, theft, fire, or natural calamity

• 04

  Third-Party Claim

  Filed by an affected third party for injury, death, or property damage caused by your vehicle

1. Inform your insurer or broker immediately after the incident
2. Note down details: time, location, and nature of the incident
3. File an FIR with the police, if required (mandatory for theft or major accidents)
4. Take photographs of the damage as evidence
5. Submit the claim form along with required documents
6. Get the vehicle inspected by the insurer's surveyor
7. Choose a network garage for cashless repair, or pay and claim reimbursement
8. Track claim status until settlement

Manshree Insurance Brokers' claims team assists at every step to ensure faster, smoother settlements.

• Duly filled claim form
• Copy of the car insurance policy
• Registration Certificate (RC) of the vehicle
• Valid driving license
• FIR copy (for theft or major accident/third-party claims)
• Repair estimate/bills from the garage
• Photographs of the damaged vehicle
• Bank account details (for reimbursement claims)

• Driving without a valid driving license
• Driving under the influence of alcohol or drugs
• Delay in intimating the insurer about the incident
• Providing false or incomplete information
• Vehicle used for purposes not covered under the policy (e.g., commercial use on a private policy)
• Pre-existing damage not disclosed at the time of policy purchase or renewal
• Policy lapsed at the time of the incident
• Modifications not declared to the insurer

1. Log in to the Manshree Insurance Brokers customer portal
2. Navigate to "My Policies"
3. Select your active car insurance policy
4. Click on "Download" to get the PDF copy
5. Alternatively, check your registered email for the policy document sent at the time of purchase or renewal

IDV (Insured Declared Value)

The current market value of your car, and the maximum sum insured in case of total loss or theft

NCB (No Claim Bonus)

A discount on premium for each claim-free year

Premium

The amount paid to the insurer to keep the policy active

Deductible

The portion of a claim you pay out-of-pocket before the insurer pays the rest

Cashless Claim

Claim settled directly with the network garage, minimizing upfront payment

Own Damage (OD)

Cover for damage to your own vehicle

Third-Party Liability

Legal liability towards injury, death, or property damage caused to a third party

Zero Depreciation

Add-on that removes depreciation deduction from claim payouts on parts

Claim Settlement Ratio (CSR)

Percentage of claims an insurer has settled out of total claims received

Endorsement

A change made to the policy document, like updating address or vehicle details