Car Insurance In Delhi
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 Delhi NCR
Delhi NCR is one of India’s busiest regions, with roads crowded from Connaught Place to Gurgaon and Noida. The city sees high traffic density, frequent road accidents, and increasing vehicle thefts, making driving without protection risky. A proper car insurance policy in Delhi NCR helps cover unexpected expenses from accidents, theft, or damage to third parties. Without it, even minor collisions can lead to significant financial burdens. Choosing the right Delhi car insurance provides support for repairs, medical costs, and third-party liabilities, giving drivers confidence on busy roads. With options such as comprehensive car insurance, own-damage cover, and useful add-ons, Zurich Kotak General Insurance makes it easier for drivers to manage risks, reduce stress, and stay financially secure while driving across Delhi NCR.
Ask Zurich Kotak
Types of Car Insurance Policies in Delhi
Choosing the right car insurance policy in Delhi is important due to heavy traffic, high accident rates, and rising vehicle thefts. Understanding the different policy types helps you pick the coverage that meets legal requirements and protects your vehicl
A comprehensive car insurance policy provides extensive coverage for your vehicle in Delhi, protecting against accidents, theft, fire, explosions, lightning, natural disasters, and vandalism, as well as third-party liability. It is suitable for new or high-value cars and offers financial support for multiple types of damage on Delhi’s busy roads.
This policy is mandatory under the Motor Vehicles Act and covers damages caused to another person, vehicle, or property. It also manages expenses for third-party injury, disability, or death resulting from an accident involving your car. All vehicles in Delhi must have at least this coverage.
Own Damage (OD) cover protects your car against accidents, theft, fire, or natural calamities. This policy, in combination with a third-party insurance plan, is ideal for drivers who want coverage for their own vehicle while complying with Delhi’s insurance regulations.
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
What's covered/not covered under Delhi Car Insurance Policy?
Having the right Delhi car insurance policy is crucial due to heavy traffic, high accident rates, and rising vehicle thefts. Zurich Kotak car insurance provides clear coverage for accidents, natural events, and third-party liabilities, while also specifyi
Accidental Damage
Covers repair or replacement costs due to unexpected collisions or impact-related damages on Delhi roads.
Fire, Explosion & Self-Ignition
Protects your vehicle from losses caused by fire, explosions, or spontaneous ignition incidents.
Theft & Total Loss
Compensation up to the Insured Declared Value (IDV) if your car is stolen or declared a total loss.
Natural Calamities
Covers damages from floods, storms, cyclones, earthquakes, and other natural disasters as defined in your policy.
Third-Party Liabilities
Mandatory cover for bodily injury, death, or property damage caused to third parties by your car.
Personal Accident Cover
Compensation for injury or death of the owner-driver under comprehensive policies, up to the sum assured.
Optional Add-Ons
Enhanced protection with add-ons like Zero Depreciation, Engine Protect, Roadside Assistance, and Return to Invoice.
Mechanical & Electrical Failures
Claims for pure mechanical or electrical breakdown and general wear and tear are excluded.
Consumables & Labour
Regular consumables (like oil, nuts, and bolts) and excessive labour charges are not covered under the base policy.
Driving Without a Licence / Under Influence
Claims are rejected if the driver lacks a valid licence or is under the influence of alcohol or drugs.
Racing or Unauthorised Commercial Use
Damage occurring during racing events or when the vehicle is used for commercial purposes like ride-sharing or deliveries is not covered.
War, Nuclear Risks & Terrorism (Except Terrorism Coverage)
Damage from war, mutiny, nuclear risks, or war-like scenarios is excluded.
Intentional or Deliberate Damage
Any willful or fraudulent damage is not covered.
Out-of-Territory Accidents
Accidents occurring outside the policy’s geographical limits are excluded.
Normal Wear and Tear
Deterioration of vehicle parts over time is not covered under the standard policy.
Key Features of Zurich Kotak Car Insurance in Delhi
Driving in Delhi NCR can be stressful due to heavy traffic, frequent accidents, and rising vehicle thefts, making it essential to have a car insurance policy in Delhi that not only protects your vehicle but also offers hassle-free support and quick claim settlements. Experience coverage with these Zurich Kotak standout features:
● Wide Network of Cashless Garages
Get repairs at 4,600+ authorised garages across Delhi NCR, including Noida, Gurgaon, and Faridabad, without paying upfront.
● Coverage Against Third-Party Liabilities
Financial protection for damages caused to another person, vehicle, or property.
● No Claim Bonus (NCB)
Save up to 50% on your car insurance premium with NCB benefits for claim-free years.
● Easy Cashless Claims
Get hassle-free claim settlement at network garages, so you don’t have to worry about payments during repairs.
● Easy Policy Purchase
Buy or renew your Delhi car insurance online in minutes with a simple, paperless process.
● Customisable Add-Ons
Enhance your coverage with add-ons like zero depreciation, roadside assistance, and engine protection.
● Instant Policy Issuance
Receive your car insurance policy instantly via email after payment, so you’re covered immediately.
Benefits of Buying Car Insurance Online in Delhi
Buying a car insurance policy has never been easier. With heavy traffic, high accident rates, and rising vehicle thefts, having the right Delhi car insurance is essential—but getting it should be simple, fast, and stress-free. Purchasing your car insurance online offers convenience, savings, and peace of mind, letting you focus on driving safely through the city’s busy roads.
● Instant Quotes
Compare premiums instantly and choose the best car insurance price in Delhi without visiting multiple branches.
● Quick and Paperless Purchase
Complete your policy online in minutes, with minimal paperwork and zero hassle.
● Cashless Repairs
Access authorised garages across Delhi NCR for repairs without paying upfront.
● Secure Payments
Make payments through safe, encrypted digital gateways for worry-free transactions.
● Transparent Pricing
Get a clear breakdown of coverage, add-ons, and premiums, so there are no hidden costs.
● Exclusive Online Discounts
Enjoy lower premiums and special offers available only for online purchases.
● Hassle-Free Renewal
Renew your policy in just a few clicks and continue uninterrupted coverage.
Buying car insurance online in Delhi not only saves time but also ensures that your vehicle and finances are protected against unexpected incidents.
Available Add‑Ons & Enhanced Covers
Enhance your Delhi car insurance policy by opting for add-ons that provide extra financial protection and reduce out-of-pocket expenses in case of accidents or damage.
Depreciation Cover
The Depreciation Cover add-on allows full claim payout for replaced parts without depreciation deductions, helping you get maximum settlement for approved claims.
Roadside Assistance
Get 24×7 help across Delhi NCR, including towing, battery jump-starts, emergency fuel, flat-tyre assistance, and minor on-spot repairs.
Engine Protect
Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden failures.
Consumables Cover
Reimburses small parts and expendables such as nuts, bolts, lubricants, and filters used during claim-related repairs.
Return to Invoice
In case of total loss or theft, this add-on reimburses the difference between the car’s original invoice and Insured Declared Value (IDV).
Loss of Personal Belongings
Covers stolen or damaged personal items from the insured vehicle during a covered incident, within policy limits.
Tyre Protect
Covers repair or replacement costs for tyres and tubes damaged due to accidents or road hazards, excluding wear and tear.
Clutch Protect
Covers repair or replacement costs for the clutch assembly and related parts damaged due to clutch burn.
Key Replacement
Reimburses the cost of replacing lost or stolen car keys, helping you avoid unexpected expenses.
How To Buy Car Insurance Online in Delhi
Securing car insurance online in Delhi with Zurich Kotak is a quick and straightforward process. Here’s how you do it.
Start Your Quote: Click on the "Get a Car Insurance Quote" button on the Zurich Kotak car insurance page.
Provide Vehicle Details: Fill in your car's specific details, such as the registration number, model, and make.
Complete Purchase: Enter your personal information and make a payment online to receive your policy instantly.
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 | 2 months ago
Car Insurance
5 | 2 months ago
Car Insurance
5 | 2 months ago
Factors Affecting Car Insurance Premiums in Delhi
When buying car insurance in Delhi, it’s essential to understand the factors that influence your premium. Zurich Kotak offers clear, transparent pricing so you know exactly what affects your Delhi car insurance cost, helping you choose the right coverage
Documents Required for Filing a Car Insurance Claim in Delhi
Registration Certificate (RC) copy
Zurich Kotak car insurance policy copy
Policyholder's valid identity proof
Driver’s valid driving licence at the time
FIR copy (for theft or third-party claims)
Completed claim form
Repair bills and estimates (for reimbursement)
Photos of damage (if needed)
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
Car insurance is mandatory under the Motor Vehicles Act, 1988, which requires all vehicles on Indian roads, including Delhi, to have at least third-party insurance. This protects accident victims by ensuring compensation for injuries or damages and makes vehicle owners responsible for third-party liabilities.
Yes, you can compare car insurance policies through independent online aggregators or insurer websites to find the most suitable coverage and price. Insurer websites provide detailed product information but may not always offer a direct comparison tool.
The third-party car insurance premium in Delhi is regulated by IRDAI and is based on the vehicle’s engine capacity. Current annual premiums are:
Up to 1,000 cc: ₹2,094 per year
1,001 cc to 1,500 cc: ₹3,416 per year
Above 1,500 cc: ₹7,897 per year
For new vehicles, three-year policies are also available, with premiums adjusted proportionally. These rates are standardised across insurers to provide consistent and transparent pricing for all vehicle owners in Delhi.
Driving without valid insurance can lead to fines from ₹2,000 to ₹4,000, possible imprisonment of up to three months, vehicle seizure, and suspension of the driving licence. Maintaining valid insurance is essential to avoid legal consequences.
Standard car insurance policies do not cover damage explicitly caused by air pollution. Comprehensive policies cover damages from accidents, fire, theft, natural events, and vandalism, but pollution-related wear and tear is excluded.
Premiums are calculated based on the Insured Declared Value (IDV), vehicle make, model and age, location risk factors, add-ons, claim history, driver profile, and usage. Transparent pricing ensures clarity on how your premium is determined.
Yes, the dense traffic and higher risks of accidents and theft in Delhi can lead to higher premiums compared with less congested areas.
Inform Zurich Kotak immediately via their helpline or online portal. Submit the required documents, including FIR, RC, policy copy, and photos of the damage. Once approved, repairs can be done cashlessly at Zurich Kotak’s network garages, or reimbursement is provided after document verification. Zurich Kotak supports you throughout the process to ensure a smooth and efficient claim experience.
Useful add-ons for Delhi include Depreciation Cover, Roadside Assistance, Engine Protect, Return to Invoice, Consumables Cover, and Personal Accident Cover. Zurich Kotak offers these add-ons to enhance your protection against city-specific risks such as waterlogging, theft, and accidents.