Car Insurance

Car insurance is a financial safeguard that protects you against unexpected expenses arising from accidents, theft, natural disasters, and third-party liabilities. It is mandatory in India as per the Motor Vehicles Act, ensuring that every vehicle owner is financially secure in case of unforeseen incidents.

With Convivial Insurance Broker, you can compare, choose, and buy the right car insurance policy from top insurers – all in one place. Whether you need basic third-party coverage or comprehensive protection, we make the process quick, transparent, and hassle-free.

Why Buy Car Insurance Online?

Convenient, Quick & Cost-Effective

icon

Quick Process

Instant policy issuance with minimal paperwork and easy online payment options.

icon

Compare & Buy

Get multiple quotes from top insurers and pick the best plan that fits your needs.

icon

24*7 Access

Compare and buy insurance anytime, from anywhere, without visiting an agent or office.

Why You Need Car Insurance

Stay Compliant & Secure on the Road

Legal Requirement

In India, it is mandatory to have at least a Third-Party Insurance policy under the Motor Vehicles Act.

Financial Safety

Insurance protects against high repair costs from accidents, damages, and unforeseen vehicle issues.

Accident Cover

Covers expenses related to damages, medical emergencies, and repairs after an accident.

Protection Against Natural Disasters

Safeguards your car from damages due to floods, earthquakes, cyclones, and other calamities.

Theft & Vandalism Coverage

If your car is stolen or damaged due to riots, insurance ensures you don’t bear the financial loss alone.

Third-Party Liability

Covers damage to another person’s property or injury/death due to an accident involving your car.

Types of Car Insurance Coverage

Choose the Right Plan for Your Needs

icon

Third-Party Car
Insurance

Mandatory under Indian law, this policy covers damages, injury, or death caused to another person or their property due to your vehicle. It does not cover damages to your car.

icon

Own Damage Car
Insurance

Provides coverage for damages to your vehicle due to accidents, fire, theft, or natural calamities. This is applicable only if you already have a third-party policy.

icon

Comprehensive Car Insurance
Insurance

A complete protection plan, covering both third-party liabilities and own damages. This is ideal for those looking for all-around protection, including coverage against accidents, theft, and natural disasters.

The Convivial Advantage

Why Choose Us for Your Car Insurance?

icon

Multiple Policy Options

Compare plans from top insurers in one place.

icon

Affordable Premiums

Get competitive rates with no hidden charges.

icon

Instant Policy Issuance

Buy and download your policy in minutes.

icon

Zero Paperwork

100% digital process for a hassle-free experience.

icon

Expert Support

Get guidance from insurance professionals at every step.

icon

Easy Renewals

No delays! Renew your policy with just a few clicks.

Car Insurance Made Simple!

Answers to Your Most Asked Questions

Yes, as per the Motor Vehicles Act, 1988, it is mandatory to have at least a Third-Party Insurance policy for any vehicle running on Indian roads. Driving without valid insurance can lead to heavy fines or legal action.

Third-Party Insurance covers damages and liabilities towards others but does not cover your own car. Comprehensive Insurance, on the other hand, provides full coverage, including damages to your vehicle, third-party liabilities, theft, and natural calamities.

Yes, renewing after expiry is possible, but it’s advisable to renew before the expiry date to avoid complications. If your policy lapses, your insurer may require a vehicle inspection, potentially raising your premium and causing delays. Timely renewal ensures continuous coverage and retention of benefits like the No Claim Bonus (NCB).

Car insurance premiums depend on several factors, such as your car's make, model, age, location, engine capacity, and your claim history. Additionally, the coverage type (third-party or comprehensive) and the Insured Declared Value (IDV) significantly influence your premium. A clean driving record and accumulated No Claim Bonus can lower your premium.

Immediately file an FIR at your nearest police station and notify your insurer promptly. Submit essential documents such as the FIR copy, car registration certificate, policy documents, and identification proof. Upon successful verification and processing, your insurer will compensate you based on your car’s Insured Declared Value (IDV).

Yes, car insurance is transferable to a new owner. After selling your vehicle, inform your insurer within 14 days and provide required documents, including sale documents, previous policy details, and a transfer form. Transferring ensures continuous protection and prevents future liabilities for the new owner.

The No Claim Bonus (NCB) is a discount on your premium rewarded for claim-free policy years, typically ranging from 20% to 50%. It accumulates annually, significantly reducing renewal costs. Importantly, your NCB remains with you when switching cars or insurers but resets to zero upon making any claim.