What is Car Insurance?

Car insurance, also known as motor or auto insurance, safeguards you financially in the event of your vehicle being damaged due to accidents, natural disasters, or theft.

A Comprehensive Car Insurance Policy ensures you're covered against losses from unexpected incidents. It also includes third-party liability coverage, ensuring compliance with legal requirements.

Whether you need new car insurance or comprehensive coverage, Elevate Insurance offers a range of policies. We provide private car insurance, third-party car insurance, comprehensive car insurance, and own-damage car insurance online, all at competitive premiums. Experience a hassle-free car insurance renewal process with Elevate Insurance.

Private Car Insurance

Covers personal-use four-wheelers against damage and third-party liabilities.

  • Full value of parts replaced—no depreciation deduction
  • Covers engine damage due to water ingress or oil leakage
  • On-the-spot towing, jumpstart, fuel delivery
  • Reimburses invoice price instead of IDV on total loss
  • Covers costs of nuts, bolts, oil, etc. used in repairs
  • Retains No Claim Bonus even after a claim
  • Covers injuries or death of owner-driver

Add-ons

  • Zero Depreciation Cover
  • Engine Protection Cover
  • Roadside Assistance
  • Return to Invoice
  • Consumables Cover
  • NCB Protection
  • Personal Accident Cover

Benefit

  • Higher claim payout
  • Saves high engine repair costs
  • Peace of mind during breakdown
  • Full vehicle value recovery
  • Zero out-of-pocket on small items
  • Preserves premium discounts
  • Financial aid in accidents

Benefits of Car Insurance

Financial Protection Against Damages

Covers the cost of repairs and replacements if your car is damaged due to accidents, theft, fire, vandalism, or natural disasters, minimizing your out-of-pocket expenses.

Third-Party Liability Coverage

Legally mandatory for driving in India, it safeguards you from financial and legal liabilities if your car causes injury to someone or damages their vehicle or property.

Personal Accident Cover

Offers financial protection for the owner-driver in case of injury, disability, or death due to an accident, helping cover medical expenses and loss of income.

No Claim Bonus (NCB)

Rewards you with lower renewal costs for not making any claims during the policy term, allowing you to save money over time.

Cashless Repairs at Partner Garages

Enables cashless repairs at network garages, with the insurer directly covering the costs with the repair center.

Why You Need Car Insurance?

Car insurance is essential for protecting your vehicle from various risks and ensuring compliance with legal requirements. Here's why having comprehensive car insurance is crucial:

Legal Compliance

Mandatory under Motor Vehicles Act, 1988 with protection against hefty fines and legal penalties for driving without insurance.

Financial Protection

Covers repair costs, protects against theft, and provides compensation for accidents and third-party liabilities.

Peace of Mind

Drive with confidence knowing you're protected with 24/7 roadside assistance and quick claim settlement.

Private Car Coverage Include

Own Damage Coverage

Comprehensive protection for your vehicle against accidents, theft, fire, natural disasters, and vandalism with full repair and replacement coverage.

Third Party Liability

Mandatory coverage that protects you from legal and financial liabilities if your car causes injury to others or damages their property.

Personal Accident Cover

Financial protection for the owner-driver in case of accidental death or permanent disability while driving the insured vehicle.

Engine Protection

Specialized coverage for engine damage due to water ingress, oil leakage, and other mechanical failures with zero depreciation benefits.

Roadside Assistance

24/7 emergency services including towing, jumpstart, fuel delivery, flat tire assistance, and lockout services across India.

Zero Depreciation Cover

Full replacement value for plastic, rubber, and fiber parts without any depreciation deduction, ensuring maximum claim settlement.

Private Car Insurance Add-ons

Zero Depreciation Cover

Get full claim amount without depreciation deduction on plastic, rubber, and fiber parts. Ideal for new cars up to 5 years old.

Engine Protection Cover

Comprehensive coverage for engine damage due to water ingress, oil leakage, and mechanical breakdown with zero depreciation.

Roadside Assistance

24/7 emergency services including towing, jumpstart, fuel delivery, flat tire change, and lockout assistance across India.

Return to Invoice

In case of total loss or theft, get the original invoice amount instead of IDV, ensuring you don't lose money on depreciation.

Consumables Cover

Coverage for nuts, bolts, oil, grease, and other consumables used during repairs, saving you from out-of-pocket expenses.

NCB Protection

Protect your No Claim Bonus even after making a claim. Your premium discount remains intact for future renewals.

Personal Accident Cover

Enhanced coverage for owner-driver with higher sum insured for accidental death and permanent disability while driving.

Key Replacement Cover

Coverage for replacement of lost or stolen car keys, including smart keys and remote controls, up to the specified limit.

Daily Allowance

Daily cash allowance for alternative transportation while your car is being repaired, helping you maintain your daily routine.

How to Buy/Renew Motor Insurance Online?

The process of buying or renewing a Motor insurance online is quite simple and easy. Here’s how you can easily do it for your four-wheeler with us.

01

Fill Your Car Details

Provide car details such as its make, model, etc, to see car insurance price offered by top insurance providers in India.

02

Compare Car Insurance Quotes

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.

03

Make Payment Online

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.