Your vehicle
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Don’t wait for the expiry date.Renew your car insurance today.
An expired policy can cost you a ₹2,000 challan and your No Claim Bonus. Check your renewal price now.
✦ Third-party cover from ₹2,094/yr*
Get policy in 10 minutes
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These offers are for private cars. We do not have a two-wheeler partner yet.
Estimated IDV — This is not a fixed IDV. It is only an estimate, based on standard depreciation.
Car Insurance Offers3 partners
ICICI Lombard Comprehensive and third party cover with a cashless garage network and 24×7 claim support.
- No Claim Bonus up to 50% on renewal
- Zero depreciation and engine protection covers
- Policy document on email, no branch visit
Acko A direct to customer insurer, with no agent commission built into the premium.
- Buy and renew entirely online
- Own damage and third party cover with optional covers
- Claim intimation and tracking in the app
Zurich Kotak A joint venture between Zurich Insurance and Kotak, offering comprehensive and third party cover for a private car.
- Comprehensive and third party policies
- Cashless repair at network garages
- Buy or renew online without a branch visit
Pending challans
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Why the cover is worth it
- Third party cover is compulsory. Driving without it is an offence under the Motor Vehicles Act — ₹2,000 for a first offence, more for a repeat.
- Third party liability for injury or death is unlimited. One serious accident can cost more than the car is worth.
- Third party alone pays nothing towards your own car. Comprehensive adds theft, fire, flood and collision damage to it.
- Every claim-free year cuts your own damage premium, up to 50% after five. Let the policy lapse for more than 90 days and that discount is gone.
- IRDAI fixes the third party rate, so it is identical everywhere. Insurers only compete on the own damage part, the optional covers and the claim service.
What happens if a challan stays unpaid
- A challan does not expire. It stays against the vehicle until it is paid or a court disposes of it.
- After about 60 days it is sent to court. From there it is a case under the Motor Vehicles Act, not a fine you can clear online.
- A court challan takes 45–60 days to settle, against 1–3 hours for one paid online — and court fees make it cost more.
- The RTO will not clear an ownership transfer, an NOC, an RC renewal or a fitness certificate while challans are pending. In practice that blocks selling the car.
- Five or more challans in one year can disqualify the driving licence under the rules in force from January 2026. Some states act at three.
- Once it is in court, a National Lok Adalat can compound it at a reduced amount — commonly 30–50% less. Those sittings are quarterly, so it is a wait, not a shortcut.
Fetching your vehicle…
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Lowest premium for the minimum cover required by law, on a private car up to 1000cc. Excludes 18% GST. Your own premium depends on your car and the cover you choose.
Buying online from our partners usually takes about ten minutes for a private car with valid papers. It takes longer if the insurer asks for a vehicle inspection, which is common once a policy has already expired.
Policy expires in 3 daysRenew on time to keep your NCB
Renewed on timeNo Claim Bonus kept
- Third-party from₹2,094/yr*
- Owner-driver PA cover₹15 lakh
- No Claim Bonus up to50%
PA cover is compulsory unless you already hold one. No Claim Bonus applies to the own damage premium, not to third party.
Disclaimer*
Insurance is the subject matter of solicitation.
My Wheels Expert is a digital publisher and is not an insurance company, agent or broker. We do not sell insurance, do not underwrite policies and do not decide premiums. This page directs you to ICICI Lombard General Insurance Company Limited, Acko General Insurance Limited and Zurich Kotak General Insurance Company (India) Limited, who issue the policy. Cover, optional covers, eligibility, premium and claim settlement are entirely subject to the insurer’s underwriting and the terms, conditions and exclusions of the policy wording. Please read the policy document carefully before concluding a sale. This page may earn a referral fee from the insurer, which does not change what you pay. All trademarks and logos shown are the property of their respective owners.
Privacy Policy
When you press Check my vehicle, we store the name, mobile number and vehicle registration number you entered, along with the page and the campaign you arrived from.
We use them to look up your vehicle and any pending challans, to show you renewal offers, and — because you ticked the box — so an advisor can call or message you on WhatsApp or SMS about your renewal.
We do not pass your registration number to the insurers. If you continue to one, only the fact that you came from us goes with you; their page asks for your details again, under their privacy policy, not ours. Our own analytics receive the state code and the format of the number, never the number itself.
To have your details removed, write to info@mywheelsexpert.com.
Know more about car insurance
Features of Motor Insurance
Legal cover on every road
Third party liability is compulsory under the Motor Vehicles Act. A valid policy is what keeps you road legal and covers what you owe someone else after an accident.
Damage to your own vehicle
Own damage cover pays to repair your car after a collision, fire, flood or riot, and pays out if it is stolen. Third party cover does none of this.
Optional covers you choose
Zero depreciation, engine protection, roadside assistance and return to invoice can each be added at extra premium, subject to the vehicle’s age and eligibility.
Cashless repairs
At a garage in the insurer’s network the insurer settles its share directly with the workshop. You pay only the deductible and any depreciation.
No Claim Bonus that follows you
Every claim free year cuts your own damage premium, up to 50% after five years. The discount belongs to you, not the car, so it moves with you.
Personal accident cover
A compulsory ₹15 lakh personal accident cover for the owner driver is part of every motor policy, unless you already hold one on another vehicle.
Types of Motor Insurance
Three kinds of motor policy. Only the first is compulsory. The rest is a judgement about what your vehicle is worth to you.
| Type of cover | Status | What it pays for | What it does not |
|---|---|---|---|
| Third party liabilityThe legal minimum. Cheapest, and priced identically by every insurer because IRDAI sets the rate. | Mandatory | Injury, death or property damage you cause to someone else | Any damage to your own vehicle |
| Own damage (standalone)Bought alongside an existing third party policy. This is common when the two were issued at different times. | Optional | Damage to your own vehicle from accident, fire, theft or natural calamity | Anything you cause to a third party |
| ComprehensiveWhat most owners of a vehicle worth insuring actually buy. | Optional | Third party liability and own damage in one policy, plus optional covers | Wear and tear, mechanical breakdown, driving without a valid licence or under the influence |
Minimum cover premium by engine size
IRDAI fixes third party rates centrally by engine capacity, so this portion of your premium is identical whichever insurer you buy from. Insurers compete on the own damage premium, the optional covers and the service around a claim.
| Engine capacity | Typical cars | Premium / year |
|---|---|---|
| Up to 1000cc | Alto, Kwid, i10, Celerio | ₹2,094 |
| 1001cc to 1500cc | Swift, Baleno, i20, Nexon | ₹3,416 |
| Above 1500cc | Creta, Scorpio, XUV700, Fortuner | ₹7,897 |
- Electric private car:15% discount on the third party premium
- Hybrid private car:7.5% discount on the third party premium
Excludes 18% GST. Rates as notified by IRDAI and checked on 3 September 2026; they are revised by notification from time to time. Your final premium is shown on the insurer’s own quote page.
Coverage Under Motor Insurance
What is covered
- Accidental damage to your own vehicle from a collision
- Fire, explosion, self ignition and lightning
- Theft of the vehicle, and burglary or housebreaking
- Natural calamity such as flood, cyclone, earthquake or landslide
- Riot, strike, malicious act and terrorism
- Third party injury, death and property damage you cause
- Damage in transit by road, rail, inland waterway, lift or air
- Compulsory personal accident cover for the owner driver
What is not covered
- Normal wear and tear, ageing and depreciation of parts
- Mechanical or electrical breakdown with no accident behind it
- Driving without a valid licence, or under the influence
- Damage while the vehicle is used outside its stated purpose, such as a private car run commercially
- Consequential damage, meaning further loss caused by driving on after a fault
- Tyre and tube damage alone, unless the vehicle is damaged at the same time
- Anything deliberate, and any claim outside the policy’s geographical area
Exclusions vary between insurers and between policies. What governs is the policy wording you are issued, so read it before concluding a sale.
Third Party vs Comprehensive (OD) Cover
The single decision that moves your premium most. Third party keeps you legal; comprehensive adds your own vehicle to the policy.
| Third party only | Comprehensive (TP + own damage) | |
|---|---|---|
| Legal status | Compulsory under the Motor Vehicles Act | Optional, but it includes the compulsory part |
| Damage to your own car | Not covered at all | Covered |
| Theft of your car | Not covered | Covered up to the IDV |
| Fire, flood, natural calamity | Not covered | Covered |
| Injury or damage to others | Covered, with unlimited liability for injury or death | Covered, identically |
| Who sets the price | IRDAI, so it is identical at every insurer | The insurer, on the own damage portion |
| Optional covers available | None | Zero depreciation, engine protection, RSA and more |
| No Claim Bonus | Does not apply | Up to 50% off the own damage premium |
| Best for | An old car of low value you only need road legal | Any car whose repair or replacement you could not absorb |
How to Make a Claim
The order matters. Most rejected claims fail on step one.
- 1Tell the insurer first
Report the incident before any repair starts. A claim intimated after the work is done is the most common reason one gets rejected.
- 2File an FIR if required
Theft, third party injury or major damage needs a police report. Keep a copy, because the insurer will ask for it.
- 3Let the surveyor inspect
The insurer appoints a surveyor to assess damage and approve the estimate. Do not begin repairs before that assessment.
- 4Cashless or reimbursement
At a network garage the insurer settles its share directly and you pay the deductible and any depreciation. Elsewhere you pay and claim it back with the bills.