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Articles » Car insurance » Car Insurance Comparison
car insurance comparison

Car insurance comparison provides you with the choice to choose the best insurance policy for your car.

Car insurance is mandatory so it is necessary to choose plan wisely. Policy Planner provides car insurance comparison. Compare insurance online because it is hassle-free, saves time & money.

What is car insurance?


The car insurance policy protects your car against financial losses that you may face in case of accident or theft of the car.

You can buy insurance by paying a certain amount as a premium. The insurance company pays for your car against the loss or theft.

Also read: HDFC Car Insurance

How car insurance comparison helps?


Car insurance comparison provides online comparison of policies among top insurance brands instantly.

This is how comparison helps you:

  1. One car. Multiple insurance companies & plans. Different rates

Not all insurance companies provide you the same insurance coverage & premium. That is why you should compare car insurance.

Policy planner offers you different plans with different features and benefits.

2. Customizable policy


You can customize your policy by selecting the type of car insurance policy.

Types are Third party car insurance or Comprehensive car insurance.

Car’s Insured Declared Value (IDV) and Add-ons.

You get real-time quotes from the leading insurance companies of India.

3. See what’s trending


Confused about which car insurance to buy? Let policy planner help you to choose the best car insurance company and policy for your car.

Car Insurance comparison

4. Insurance add-ons.

Car Insurance add-ons save you tons of money at the time of claims.

Policy Planner’s car insurance comparison tool helps you to compare different add-ons offered by different insurance companies.

Not all insurance companies provide every add-on.

You can compare which companies give you the add-ons.

5. Discounts on car insurance

Companies offer discounts when you buy car insurance.

Every insurance provider gives some discount against the Own Damage component of your car policy. This discount varies from insurer to insurer.

Compare car insurance quotes to find out which policy gives you the maximum discount for your car.

6. Is your most loved Garage secured under cashless claims?

Compare and check which garages are secured under ‘Cashless claims’ for each insurance organization.

You can utilize our convenient vehicle device get the rundown of cashless garage systems.

7. Side-to-side comparison.

Compare vehicle insurance policies side-to-side on viewpoints like premium, IDV, add-ons available, discounts offered, deductibles, and so on to find the right policy.

We make the assessment procedure simpler and enable you to come down to the reasonable plan for your vehicle.

Also read: HDFC ERGO Two Insurance


Compare car insurance premium within 1 minute


Car insurance policy may include:


  • Liability Cover
  • Consumable Cover
  • Engine Protector
  • Tyre Cover
  • Electrical Accessories
  • 24*7 Roadside Assistance
  • Invoice Cover
  • PA For Unnamed Passenger
  • No Claim Bonus (NCB)
  • Key & Lock Replacement
  • Non-Electrical Accessories
  • LL To Paid Driver

Above options are based on the type of policy, add-ons that you opt for

Claim Settlement ratio of Best Car Insurance companies in 2018


Insurance Company Incurred Claim Ratio (%)
HDFC Ergo General Insurance 89.43
Bharti AXA General Insurance 89.09
IFFCO Tokio General Insurance 84.37
National Insurance 84.17
Future Generali India Insurance 81.77
Cholamandalam General Insurance 79.82
Liberty General Insurance 77.29
Bajaj Allianz General Insurance 69.19

Additional Covers in Car Insurance


  1. Zero Depreciation Cover: Zero Depreciation cover is for the repair or replacement expenses of plastic, rubber, glass & other materials. These would otherwise not be covered in a regular policy.

  2. Engine Protection: Engine Protection cover is meant to cover any damages to the engine. It along these lines repays you or pays for the fix/replacement of your engine and it’s parts like pistons, connecting rods, etc.

3. NCB Protection: NCB protection for getting discounts on premium even after making a claim during policy period.

4. Invoice Cover: To recover as much as the car’s on-road price or Insured Declared Value(IDV), in case of total loss (theft or a really bad accident).

Also read: National Car Insurance

car Insurance comparison

What are Inclusions & Exclusions in Car Insurance


InclusionsExclusions
Car insurance Provides
cover against damage to third-party property or body.
Doesn’t cover driving outside the
geographical zone, lapsed policies,
regular wear & tear parts of the car,
electrical or mechanical damages.
Auto insurance covers the third-party damage &
personal damage as a
result of a road accident.
Damages caused as a result of
accidents occurring while driving under the influence of alcohol or drugs is not included under the policy.
In case of Theft, your insurer will pay an amount equal to your IDV Losses incurred while driving
without valid license
Financial protection from Natural Calamities such as floods, earthquakes, etc. Accidental Damages caused while you were using your car for illegal activities

Also check out our blog on Two Wheeler Insurance Online

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