Vehicle Insurance
Drive with Confidence. We've Got You Covered.
At Cover India by Satvik Enterprises, we understand that your vehicle is more than just a mode of transport—it's your freedom, your investment, and your responsibility. That’s why we offer car insurance solutions designed to protect you against the unexpected.
Our Vehicle Insurance Plans
Third-Party Liability Insurance
- Mandatory by law
- Covers injury, death, or property damage to a third party
- Affordable and simple coverage
Comprehensive Vehicle Insurance
- Covers third-party liabilities and
- Own vehicle damage due to accidents, fire, theft, natural disasters, and vandalism
- Option to add enhanced protection with riders
Add-On Covers Available:
- Zero Depreciation Cover
- Roadside Assistance
- Engine & Gearbox Protection
- Return to Invoice
- NCB Protection (No Claim Bonus)
Why Vehicle Insurance Is Essential
Accidents, theft, natural calamities, and third-party liabilities can strike anytime. Car insurance safeguards you from costly repairs, legal troubles, and financial loss, giving you peace of mind every time you're on the road.
Key Benefits with Cover India
- Instant Policy Issuance
- Cashless Repairs at network garages across India
- 24/7 Claim Assistance
- Customizable Plans to match your needs and budget
- Hassle-Free Renewals & Support
Documents Required
Previous Insurance Policy (if any)
Driving License
ID & Address Proof
How to Get Started
Choose Your Coverage - Our experts help you compare and select the right policy.
Instant Issuance - Buy your policy online or offline—quick and secure.
Third-party car insurance is mandatory for driving a car in India. This is the most basic type of car insurance; hence, it is also referred to as a Liability Only Car Insurance Policy. It covers the costs of bodily injury, disability, or death of a third party in an accident involving your car. It also covers property damage of up to ₹7.50 lakh caused by the accident.
This is the most extensive type of car insurance that covers not only the costs of third-party liabilities but also damage(s) caused to your own car. Additionally, it also covers damages caused to your car by natural and man-made disasters, theft, fire, explosion, lightening and other similar incidents.
The Standalone Own-Damage car insurance policy was introduced by the Insurance Regulatory and Development Authority of India (IRDAI), in September 2019. This policy offers coverage to the damages sustained by your own car You can purchase this policy only if you have an active Third-party car policy. This policy offers flexibility of choosing insurance provider.
Car insurance provides financial protection against damages to your vehicle, third-party liabilities, theft, or personal injury. It's legally mandatory in India to have at least third-party coverage.
Third-Party Insurance – Covers damages to others (mandatory by law).
Comprehensive Insurance – Covers your vehicle, third-party liability, theft, fire, and natural disasters.
Own Damage (OD) Cover – For damage to your own car, available for vehicles already with third-party cover.
Premium depends on factors like:
- Vehicle type, age, and model
- Location of registration
- Add-on covers (zero depreciation, engine protect, etc.)
- No Claim Bonus (NCB) discounts
- Insured Declared Value (IDV)
Absolutely! You can get a quote, compare plans, and buy car insurance online through Cover India with just a few clicks.
Yes, we have a network of cashless garages across India. Your car can be repaired without upfront payment.
Need any help!
We're here for you every step of the way! Whether you’re choosing the right insurance plan, need help with claims, or just have a quick question — our experts at Cover India by Satvik Enterprises are ready to assist you.
Why do you need Vehicle Insurance?
Car insurance provides several benefits to policyholders. Let’s look at some of the top benefits of buying car insurance online.
Keeps you in accordance with the law:
Car insurance helps you comply with the law, as car owners in India are required to have at least third-party car insurance. Failure to comply can result in a fine of ₹2,000 and/or imprisonment for up to 3 months.
Financial protection against Losses:
A car insurance policy can help you save money by covering huge expenses incurred due to damages and losses caused during accidents, natural calamities, fire, theft and other unforeseen circumstances. This can also help you avoid hefty traffic fines.
Protection against third-party liabilities:
In case you accidentally hit someone, a car, or someone’s property, your car insurance will cover the damages and losses incurred to the third-party. The compensation for third-party property damage is limited but there is no compensation cap in case of third-party bodily injuries, disability or death.
Own-damage protection:
Car insurance also covers the own-damage expenses of your car incurred in road accidents, natural calamities, man-made disasters, fire, explosion, vandalism, etc.
Coverage against theft:
Car insurance also covers you in case your car gets stolen. Your insurance company provides you with your car’s Insured Declared Value (IDV).
Personal accident cover:
Car insurance also offers personal accident cover of up to ₹15 Lakh in case of death, bodily injuries, or disability of the policyholder in a car accident. You can avail this add-on coverage by paying extra premium.
Additional coverage with add-ons:
With a comprehensive car insurance policy, you can add extra coverage and benefits using add-ons like zero-depreciation cover, return to invoice cover, consumables cover, and breakdown assistance, amongst others.
Key Features of a vehicle Insurance Policy
The following are the salient features of a car insurance policy.
| Highlights | Benefits |
|---|---|
| Third-Party Cover | Coverage for third-party injury and property damage. |
| Own Damage Cover | Covers the damage and loss incurred by the insured car. |
| Customizable Add-on Covers | Various add-ons are available based on the policy such as zero depreciation cover, return to invoice cover, roadside assistance, etc. |
| Compulsory Personal Accident (PA) cover | Cover of ₹15 lakh for permanent disability/death while driving. |
| Cashless Claim | Available at the network garages of the insurer. |
| No Claim Bonus | Up to 50% |
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