Car Insurance

How to avoid costly mistakes at car insurance renewal in 2025

A simple, real-world guide to navigating renewal season without overpaying or losing cover.

IDV in motor insurance: How to pick a value that actually reflects your car

A car’s IDV looks like just another number on the policy, but it decides both your premium and the maximum payout after theft or total loss. Picking the right value can save money without risking an underpaid claim.

Car insurance: are pay-as-you-drive policies cheaper for low-mileage users?

New usage-based motor policies promise savings, but do they actually deliver for Indian drivers?

E20 rollout sparks insurance worries over mileage, engine damage; insurers say cover could be denied

Older E10 cars most at risk as insurers warn claims could be rejected over E20-related damage, industry executive says most existing fleet is E10-compliant

What to watch out for when buying car insurance

When purchasing car insurance, look beyond the premium. Choose between third-party and comprehensive coverage based on your needs, and consider add-ons like zero depreciation or roadside assistance. 

Insurers urge IRDAI to act against automotive dealers’ ‘steep commissions, restrictive practices’

Punitive action by IRDAI can force motor insurance service providers linked to some auto manufacturers to reduce exorbitant commissions of up to 53 per cent, which translate into expensive premiums for policyholders. Regulatory action can also curb their practice of restricting new car buyers’ choice of insurers at the time of vehicle purchase, according to insurance officials.

How location, driving environment, usage frequency can affect your car insurance premiums

Though the government encourages electric vehicles with various incentives, insurance premiums for some electric cars could be relatively higher due to the expensive technology used in these vehicles.

5 ways to avoid car insurance claim rejection

Here are five tips that will help you avoid car insurance claim rejections.

Delhi’s dubious distinction: No. 1 city for car thefts in 2023, says ACKO Insurance study

Chennai's share in overall vehicle thefts doubled from 5 percent to 10.5 percent, while Bengaluru was at 10.2 percent. Hyderabad, Mumbai and Kolkata continued to see the least number of thefts.

Buying cars at a discount this December? Check out these add-on motor insurance offers

Cars can't roll out of a showroom without third-party insurance. But before grabbing a deal on soon-to-be-old 2023 car, assess if these additional covers offer better protection for your beauty on wheels.

Cyclone Michaung: Car insurance policy will cover cost of most damage, but not engine malfunction

Unless you have opted for engine protection add-on cover along with your insurance policy, any damage to your car engine will not be covered by the insurer. Such damage can happen if you attempt to start the engine while the car is submerged in water

IRDAI enforces mandatory coverage for employees in private car policies

The IRDAI, in response to directives by the Madras High Court, has introduced changes to the Indian Motor Tariff 2002, making it compulsory for General Insurers to include coverage for employees under IMT-29 (Indian Motor Tariff) as an inbuilt feature within private car insurance policies.

North India floods: How to file insurance claims for your damaged car

In the case of cars being swept away due to torrential rains, you will have to file an FIR for loss of vehicle. Typically, the vehicles will be located after a few days. If not, this will be treated as a total loss and insurers will pay out the insured declared value (IDV) of the car. If it is located and the cost of repairs is more than 75 percent of the IDV, again, amount equal to the IDV will be paid out.