Car Insurance

Drive with confidence — protect your vehicle, yourself, and others on the road.

Know the Basics

What is Car Insurance and Why It’s Important

Car insurance is a protective cover that shields your vehicle from unexpected risks such as accidents, theft, fire, and third-party liabilities. Whether you drive daily or occasionally, having valid car insurance isn’t just a legal formality — it’s a smart way to secure your financial future. With online car insurance, you can explore plans, compare features, and get insured in just a few minutes. It’s fast, reliable, and tailored to your needs.

Simplify Your Journey

Benefits of Buying Car Insurance Online

Instant Policy Access

Buy and receive your policy online without paperwork or delays.

Easy Comparisons

Evaluate quotes, coverage, and add-ons side by side.

Cost Savings

Find competitive premiums and exclusive online-only discounts.

Essential Protection for Every Vehicle

Why Car Insurance is a Must-Have

01

Legal Requirement

Third-party car insurance is mandatory by Indian law.

02

Accident Damage Cover

Get reimbursed for repair costs from minor dents to major collisions.

03

Theft and Fire Protection

Covers you in case your car is stolen or catches fire.

04

Covers Third-Party Losses

Financially safeguards you if you damage someone else’s vehicle or property.

05

Disaster Damage Coverage

From floods to earthquakes, stay protected against natural calamities.

06

Worry-Free Driving

Enjoy peace of mind every time you hit the road.

Choose the Right Protection

Types of Car Insurance Plans You Can Buy

Third-Party Car Insurance

Mandatory cover for injury or damage caused to others.

Own Damage Car Insurance

Covers your car against accidents, fire, theft, and natural disasters.

Comprehensive Car Insurance

Combines third-party and own damage coverage with optional add-ons.

More Than Just a Policy

Why Upsure is the Right Choice for Car Insurance

Compare Plans Easily

Access quotes from multiple top insurers in one place.

100% Digital Process

No forms, no paperwork — everything is online.

Custom Coverage Options

Add-ons and flexible plans tailored to your needs.

Expert Help When Needed

Our support team is just a call or message away.

Affordable Premiums

Transparent pricing with no hidden charges.

Trusted Claim Assistance

We guide you through every step of the claims process.

Don’t Settle Too Soon

Why Comparison is Key Before You Buy

Not all car insurance policies are the same. Comparing them helps you understand the benefits, limitations, and costs of each. It puts you in control, ensuring you select the plan that best fits your budget and driving habits.

Better Coverage Options

Find plans with add-ons that match your needs.

Save More on Premiums

Choose cost-effective policies without sacrificing protection.

Understand Inclusions and Exclusions

Know what’s covered before you commit.

Tailored Recommendations

Find the best match based on your car’s model and usage.

Three Simple Steps

Buy or Renew Car Insurance in Minutes

01

Enter Car or Policy Details

Fill in your registration number or current policy info.

02

Compare & Pick Your Plan

Review features and pricing to choose the right policy.

03

Pay & Get Insured Instantly

Make a secure payment and receive your e-policy in minutes.

Just a Few Essentials

Documents Required for Car Insurance

Car Registration Certificate (RC)

Confirms vehicle ownership and registration details.

Valid Identity Proof

Aadhar, PAN, or driving license for identity verification.

Address Proof

Recent utility bill or government-issued ID with your address.

Fast and Hassle-Free

How to File a Claim for Your Car Insurance

1

Register the Claim

Inform the insurer through Upsure’s platform or helpline immediately.

2

Provide Documents & Evidence

Submit RC, FIR (if needed), photos, and insurance papers.

3

Get Survey & Claim Approval

A surveyor inspects damage and the claim is processed accordingly.

Answers to Common Questions

Frequently Asked Questions

Yes, third-party car insurance is legally mandatory under the Motor Vehicles Act. Driving without it can lead to penalties or legal consequences. While third-party insurance is compulsory, a comprehensive policy provides broader protection for your own vehicle as well.

It covers both third-party liabilities and damage to your own vehicle. This includes accidents, fire, theft, natural calamities, and even man-made disasters. Add-ons like zero depreciation, roadside assistance, or engine cover can enhance your protection.

You can renew it online through Upsure by entering your car details. If it has been expired for long, an inspection may be required. Renewing before the expiry date is always advisable to maintain continuous coverage and avoid inspection or NCB loss.

Zero depreciation is an add-on where the insurer doesn’t deduct depreciation while settling claims for replaced parts. It ensures full claim value and is highly recommended for new or expensive cars. It’s usually available for vehicles under five years of age.

Several factors like car make and model, fuel type, age of vehicle, location, IDV (insured declared value), and selected add-ons influence your premium. Additionally, your claim history and No Claim Bonus status are also considered.

Yes, your No Claim Bonus is linked to you, not the vehicle. If you sell your car and buy a new one, you can transfer your NCB to the new policy, provided it’s done within 90 days of selling the old vehicle.

Absolutely. Policies bought online are IRDAI-approved and legally valid. You receive the same coverage, faster service, and often better pricing due to lower overheads. Always ensure you’re buying through a trusted, licensed broker like Upsure.

Yes, you can cancel the policy if you’ve sold the car, or obtained another valid insurance. You may get a refund for the unused premium portion. Cancellation is subject to terms and requires a valid reason and documentation.

Quick Links

Home About POSP Support

Legal

Connect With Us

Email: contactus@upsurebrokers.com Call: +91 90452 83235

Address: B-11, 2nd Floor, Sector 4, Noida UP - 201301

Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
Contact No.: 91+ 90452 83235, Email ID: ankush.jain@upsurebrokers.com