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Car insurance is a legal agreement that provides financial protection against damages caused to your car or by your car to others. It covers repair costs, theft, natural disasters, accidents, and third-party liabilities, ensuring peace of mind on the road.
Mandatory by law, covers damage to another person’s vehicle or injuries caused by your car.
Covers third-party liabilities and your car’s damage, including theft, fire, and natural disasters.
Covers only your vehicle’s damage, ideal if you already have third-party insurance.
Get full claim amount without deductions for depreciation.
24/7 help for breakdowns, towing, or flat tires.
Covers engine damage from water ingress or oil leaks.
Get the full invoice value in case of total loss or theft.
Retain your NCB even after a claim.
Covers medical expenses for passengers in accidents.
Provide model, year, and city of registration.
Select third-party or comprehensive insurance.
Choose optional add-ons like zero depreciation.
Pay online and receive your policy instantly.
Notify us immediately after an accident.
Submit an FIR for theft or third-party claims.
Provide claim form and damage photos.
Surveyor assesses damage for approval.
Cashless repairs or reimbursement processed.
Yes, third-party car insurance is mandatory in India under the Motor Vehicles Act, 1988, to cover damages or injuries caused to others.
Third-party insurance covers damages to others, while comprehensive insurance also covers your car’s damage, theft, and natural disasters.
Yes, NCB can be transferred to a new car or insurer, provided you provide proof of your claim-free years.
Premiums are based on car model, age, location, coverage type, add-ons, and your No Claim Bonus (NCB).
Yes, you can renew after expiry, but a vehicle inspection may be required if the lapse exceeds 90 days.
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Reach us at: support@apsinsurancevia.com
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