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Vehicle Insurance

Mandatory insurance for motor vehicles

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Quick Information

⏱️ Processing Time

Instant (online purchase)

💵 Fees

₹500-50,000+ (varies by vehicle type, coverage, and IDV)

✅ Eligibility

Any vehicle owner

Who Needs This Document?

All vehicle owners for legal compliance and financial protection

Required Documents

  • Vehicle Registration Certificate (RC)
  • Previous insurance policy (for renewal)
  • Aadhaar card
  • Driving license
  • Vehicle photos (for comprehensive insurance)

Step-by-Step Application Process

1

Choose Insurance Type

Select Third-party (mandatory) or Comprehensive (recommended) insurance.

2

Compare Policies Online

Use insurance aggregator websites to compare premiums and coverage.

3

Enter Vehicle Details

Provide RC number, make, model, and registration year.

4

Select Coverage

Choose add-ons like zero depreciation, engine protection, roadside assistance.

5

Make Payment

Pay premium online via debit/credit card or net banking.

6

Receive Policy

Download policy document and keep soft copy in vehicle and DigiLocker.

⚠️ Common Mistakes to Avoid

  • Letting insurance lapse (attracts penalty and inspection)
  • Not declaring modifications to vehicle
  • Choosing only third-party when comprehensive is better

Frequently Asked Questions

What's the difference between third-party and comprehensive?

Third-party covers damage to others only (mandatory). Comprehensive covers own vehicle damage too (recommended).

When should I renew insurance?

Renew before expiry. Grace period varies, but driving without insurance is illegal and attracts heavy fines.

What is IDV?

Insured Declared Value - current market value of your vehicle, determines premium and claim amount.

Ready to Apply?

Visit the official government portal to start your application

Go to Official Portal →