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for Your Vehicle

Vehicle insurance protects your vehicle financially against physical damage or bodily injury caused by a traffic accident, natural calamity, theft, or any unforeseen circumstances.

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What is Vehicle Insurance?

Vehicle insurance, also known as motor insurance, is a vital safety net that shields your vehicle from unexpected events, including accidents, theft, and natural calamities.

  • Buy motor insurance online with affordable premiums
  • Renew insurance policy online in no time
  • Get superfast claim of commercial vehicle insurance online

Types of Insurance

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Third-Party
Insurance
Legal protection against third-party claims. In case of an accident where you are at fault, this insurance covers the financial implications, ensuring you meet legal requirements and avoid penalties.
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Comprehensive
Insurance
Enjoy all-encompassing coverage for your vehicle, including protection against accidents, theft, and natural disasters. This type of insurance provides extensive security for your prized possession.

Frequently Asked Questions About Car Insurance

Droom Insurance is offered directly by Droom, ensuring reliability and convenience.

To buy vehicle insurance online, visit Droom's insurance page, select your desired insurance type, complete the payment, and receive your policy electronically.

Yes, you can buy insurance for someone else. You'll need their vehicle details for registration.

Vehicle age may affect eligibility and pricing, but it varies based on the insurance type.

Droom Insurance covers vehicles across India, with specific packages available for select locations.

Droom Insurance is primarily designed for private vehicles.

Key factors to consider include the age of the vehicle, coverage type, policy details, actual coverage area, and customer reviews and ratings.

The following factors can influence vehicle insurance premiums:

  1. Type of vehicle: The type of vehicle you drive can have a significant impact on your premiums. For example, sports cars and luxury vehicles typically have higher premiums than family cars or SUVs.
  2. Age of vehicle: Older vehicles typically have higher premiums than newer vehicles. This is because older vehicles are more likely to be involved in accidents and require more repairs.
  3. Driving history: A good driving history can help you to qualify for lower premiums. If you have a history of accidents or traffic violations, your premiums will likely be higher.
  4. Location: Where you live can also affect your premiums. For example, if you live in a high-crime area, your premiums will likely be higher.

The coverage provided by a vehicle insurance policy will vary depending on the type of policy you purchase. However, most vehicle insurance policies cover the following:

  1. Third-party liability: This covers the cost of damage to the property or person of a third party in the event of an accident caused by your vehicle.
  2. Own damage: This covers the cost of repairs or replacement of your vehicle in the event of damage caused by an accident, fire, theft, or other insured event.
  3. Personal accident: This provides financial protection to you and your passengers in the event of injury or death in an accident.

Zero depreciation cover, also known as bumper-to-bumper coverage, is an add-on cover that pays for the full cost of repairs or replacement of your vehicle, without any deduction for depreciation. This can be especially beneficial if you have a new or expensive vehicle.

If you renew your expired policy within 90 days of the expiry date, your No Claim Bonus (NCB) will be protected. However, if you renew your policy after 90 days of the expiry date, your NCB will be lost.

IDV stands for Insured Declared Value. It is the maximum amount that the insurance company will pay in the event of total loss or theft of your vehicle. The IDV of your vehicle is determined by the following factors:

  1. Make and model of your vehicle: The make and model of your vehicle will have a significant impact on its IDV.
  2. Age of your vehicle: Older vehicles typically have lower IDVs than newer vehicles.
  3. City of registration: The city of registration of your vehicle can also affect its IDV. Vehicles registered in metro cities typically have higher IDVs than vehicles registered in smaller cities.

You can renew your expired policy online, through an insurance agent, or by calling your insurance company.

Yes, the age of the vehicle can impact the cost of vehicle insurance. Older vehicles typically have higher premiums than newer vehicles. This is because older vehicles are more likely to be involved in accidents and require more repairs.

A vehicle is typically considered to be scrap when the cost of repairs exceeds the IDV of the vehicle.