Car Insurance In Chandigarh
Buy car insurance policy online
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Car insurance policy in Chandigarh
Driving in Chandigarh may be easier than in many cities, but everyday risks like accidents, theft, water damage, and traffic mishaps are still unavoidable. The right car insurance in Chandigarh goes beyond legal compliance, providing comprehensive financial protection in unexpected situations.
A well-chosen car insurance policy helps cover repair costs, third-party liabilities, and sudden expenses, allowing you to drive with greater confidence across busy sectors or highway routes. With Zurich Kotak, car owners also benefit from a simple digital process, access to an extensive cashless garage network of 4600+, and a structured claims system that makes insurance management clearer and more convenient.
Ask Zurich Kotak
Key features of car insurance in Chandigarh
A good car insurance policy is designed to provide practical protection and convenience. Below are some of its core benefits.
Types of car insurance policies in Chandigarh
Choosing the right policy depends on how often you drive and the level of risk you wish to cover.
This policy provides extensive protection by covering both damage to your own vehicle and third-party liabilities. It includes protection against accidents, theft, fire, natural calamities and man-made events. This option is ideal for car owners who drive regularly within the city or frequently travel across the tri-city region.
This is the minimum legally required insurance cover. It protects you financially if your car causes injury or property damage to a third party. However, it does not provide any coverage for damage to your own vehicle.
This policy only covers damage to your own car caused by accidents, theft, fire, or insured events. It can be purchased only if you already hold an active third-party insurance policy.
Get Quick Support
I’m here to help.
premium? I'm here to help.
Hi there, how can we help you?
I wanna know about my premium car
Benefits & Advantage of Buying Car Insurance Online in Chandigarh
An effective car insurance policy should offer comprehensive protection against accidental damages, providing you with peace of mind. Here are the standout features of our comprehensive car insurance policy, especially for those seeking car insurance in Chandigarh:
Damage protection against man-made and natural calamities
Personal accident and passenger cover
Add-ons such as zero depreciation cover, medical cover, etc.
Up to 22.5% additional discount based on credit score
Automobile Association of India (AAI) member discount
So, if you are looking for car insurance in Chandigarh, be sure to check out our policies.
Why do you need a car insurance policy in Chandigarh?
With increasing vehicle numbers and dense traffic across major sectors, the likelihood of minor or major road incidents continues to rise. Even a minor accident can lead to costly repairs, legal claims, or third-party compensation.
Car insurance helps shield you from these unexpected financial burdens. It also ensures you comply with legal requirements and protects your savings from being drained by sudden repair costs. Whether you drive daily or occasionally, insurance acts as a steady financial buffer against uncertainty.
What's covered/not covered under Chandigarh car insurance policy?
Coverage offered under car insurance in Chandigarh
This section explains the primary inclusions when you have a comprehensive or your own damage car insurance policy:
● Accidental damage to your car due to a collision or a road mishap
● Theft or total loss of the vehicle
● Fire, self-ignition, or explosion damage
● Damage caused by natural calamities such as floods or storms
● Man-made incidents such as vandalism or riots
● Third-party injury or property damage
● Personal accident cover for the owner-driver as per the policy.
Coverage not offered under car insurance in Chandigarh
Some situations are not covered under standard policies:
● Driving without a valid driving licence
● Driving under the influence of alcohol or drugs
● Normal wear and tear or mechanical breakdown
● Damage caused during illegal racing or reckless driving
● Incidents occurring outside India without specific coverage
● Consequential damage due to negligence
● Claims when the policy has lapsed or expired
How to buy car insurance online in Chandigarh
Purchasing insurance online is simple and convenient:
● Select your policy type, such as Third-Party, Comprehensive, or Own Damage
● Enter vehicle details, including registration number and model.
● Choose relevant add-ons
● Review premium and coverage.
● Complete secure online payment.
● Receive policy instantly via email
Available add‑ons & enhanced covers
Add-ons allow you to strengthen your policy by extending coverage beyond standard protection.
Zero Depreciation Cover
Reduces deductions on replaced parts by minimising depreciation impact during claim settlement.
Return To Invoice Cover
Ensures that in case of total loss or theft, you receive compensation closer to your car’s original invoice value instead of only the depreciated IDV.
Engine Protect Cover
Covers engine and gearbox damage caused by water ingress, oil leakage, or lubrication failure, subject to policy terms.
Roadside Assistance
Provides support in the event of a breakdown, including towing, battery jump-starts, minor repairs, and fuel delivery.
Consumables Cover
Covers costs of items like engine oil, brake fluid, and nuts and bolts that are not included in standard claims.
Key Replacement Cover
Assists with the cost of replacing lost or damaged car keys.
Download Now
Download Now
Cut the wait time
Intimate Claim
Quick Verification
Instant Settlement
Reviews & Ratings
Look what they have to say
We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.
Car Insurance
5 | 3 months ago
Car Insurance
5 | 3 months ago
Car Insurance
5 | 3 months ago
Factors affecting car insurance premiums in Chandigarh
Several essential factors influence your premium, each playing a direct role in determining risk and coverage value.
Documents required for filing a car insurance claim in Chandigarh
Keep these documents ready for quick claim processing:
Insurance policy copy
Vehicle Registration Certificate
Valid driving licence
FIR copy if required
Claim form
Repair bills or estimates
Damage photographs
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Car Insurance glossary
There's always more to explore when it comes to Zurich Kotak Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
Head over to our learning centre
Important Traffic Rules To Follow To Ensure Safety While Driving
Last Updated on:
02 Sep 2024
What is Anti Theft Device and its Impact on Car Insurance Premium
Last Updated on:
02 Sep 2024
Other quick links
Easy access to more, check out these quick links
Car insurance for your favorite brands
We've got you covered with car insurance for your favorite brands
Car insurance by city
Your city, your coverage so you pick the right car insurance!
Frequently Asked Questions
Yes. A minimum of third-party car insurance is legally required under the Motor Vehicles Act to drive on public roads.
You can lower your premium by maintaining a claim-free record, choosing voluntary deductibles, opting only for essential add-ons, and renewing your policy on time.
Yes. Zurich Kotak General Insurance Company (India) Limited provides access to 4600+ authorised cashless garages across India, including Chandigarh and nearby regions. This allows eligible repairs to be carried out without upfront payment, subject to claim approval and policy terms.
Repeated traffic violations may affect renewal pricing and eligibility for discounts, such as the No Claim Bonus.
No. Towing penalties or fines imposed by traffic authorities are not covered under standard insurance policies.
Engine damage caused by water ingress is covered only if the Engine Protect add-on is included in the policy.