mParivahanInfo Guide

Disclaimer: This is an independent informational website. We are NOT affiliated with the Government of India, Ministry of Road Transport and Highways, or the official Parivahan Sewa portal (parivahan.gov.in). For official services, visit parivahan.gov.in

Vehicle Insurance Guide through mParivahan

Complete guide to vehicle insurance in India. Learn about types of insurance, coverage options, claim process, and how to buy or renew vehicle insurance online.

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Understanding Vehicle Insurance in India

Vehicle insurance is mandatory in India under the Motor Vehicles Act, 1988. Every vehicle plying on Indian roads must have at least a third-party insurance policy. Driving without valid insurance is a punishable offence with fines up to Rs. 2,000 for the first offence.

There are two main types of vehicle insurance: Third-Party Liability Insurance and Comprehensive Insurance. Third-party insurance covers damage to other vehicles and injury to third parties, while comprehensive insurance covers both third-party liability and own vehicle damage.

Vehicle insurance can be purchased and renewed online through insurance company websites, aggregator platforms, and even through the mParivahan app. The process is quick and convenient, and you can compare policies from multiple insurers before making a decision.

Third Party

Mandatory insurance covering third-party liability

Comprehensive

Full coverage including own vehicle damage

Claim Process

Step-by-step guide to filing insurance claims

Online Renewal

Renew vehicle insurance online in minutes

How to Buy Vehicle Insurance Online

Follow the step-by-step process below. Make sure you have all the required documents ready before starting the application.

1

Visit Insurance Provider Website

Go to the website of your preferred insurance company or use an aggregator platform. Popular options include Policybazaar, Digit Insurance, and ICICI Lombard.

2

Enter Vehicle Details

Enter your vehicle registration number, make, model, and year of manufacture. The system will fetch your vehicle details from the Vahan database automatically.

3

Choose Insurance Type

Select between Third-Party Insurance (mandatory, covers third-party liability) and Comprehensive Insurance (covers both third-party and own vehicle damage).

4

Compare Premiums

Compare premium quotes from multiple insurers. Look for the best coverage at the most competitive price. Consider add-on covers like zero depreciation, engine protection, and roadside assistance.

5

Make Payment

Pay the insurance premium online using net banking, UPI, debit card, or credit card. The policy document will be sent to your email immediately after payment.

6

Download Policy Document

Download and save your insurance policy document. You can also access it through the insurer mobile app. Keep a copy in your vehicle at all times.

Documents Required

DocumentDetails
Vehicle RCRegistration Certificate of the vehicle to be insured
Previous PolicyPrevious year insurance policy for renewal
Identity ProofAadhaar Card, PAN Card, or Passport
Address ProofAadhaar Card, Passport, or Utility Bill

Fees Structure

ComponentAmount (Approx.)
Third-Party Bike (below 75cc)Rs. 538 - Rs. 1,047
Third-Party Bike (75-150cc)Rs. 1,196 - Rs. 2,323
Third-Party Car (below 1000cc)Rs. 2,072 - Rs. 3,221
Third-Party Car (1000-1500cc)Rs. 3,221 - Rs. 5,543
Comprehensive BikeRs. 1,500 - Rs. 5,000 (approx.)
Comprehensive CarRs. 5,000 - Rs. 25,000 (approx.)

Frequently Asked Questions

Is vehicle insurance mandatory in India?
Yes, at least third-party vehicle insurance is mandatory in India under the Motor Vehicles Act, 1988. Driving without valid insurance can result in a fine of Rs. 2,000 and/or imprisonment of up to 3 months.
What is the difference between third-party and comprehensive insurance?
Third-party insurance covers only damage to other vehicles and injury to third parties. Comprehensive insurance covers both third-party liability and damage to your own vehicle due to accidents, theft, fire, and natural calamities.
Can I buy vehicle insurance online?
Yes, you can buy vehicle insurance online through insurance company websites or aggregator platforms. The process is quick, convenient, and often cheaper than buying through an agent.
How do I file an insurance claim?
To file a claim, inform your insurer immediately after the accident, file an FIR if required, submit the claim form with supporting documents, get the vehicle surveyed by the insurer assessor, and get repairs done at a network garage for cashless claims.
What is zero depreciation cover?
Zero depreciation (or bumper-to-bumper) cover ensures that the insurer pays the full cost of replacing vehicle parts without deducting depreciation. This add-on cover is especially useful for new vehicles and costs approximately 15-20% more than standard comprehensive insurance.
How long does it take to process an insurance claim?
Cashless claims at network garages are typically processed within 7-15 days. Reimbursement claims may take 15-30 days depending on the complexity of the case and completeness of documentation.

Need Help with Transport Services?

Visit the official Parivahan Sewa portal for all transport-related services online.

Visit Official Parivahan Portal Driving Licence Guide

Disclaimer: This is an independent informational website. We are NOT affiliated with the Government of India, the Ministry of Road Transport and Highways, or the official Parivahan Sewa portal. For official services, visit parivahan.gov.in.

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