Third Party: Covers damage/injury to others only. Your own car repairs are out of pocket. Premium is IRDAI-fixed (very low). Legally mandatory.
Comprehensive: Covers both third-party liability AND own car damage. Premium is market-linked and depends on IDV, age, city, and add-ons. Strongly recommended for all cars. Add Zero Depreciation + NCB Protection for complete protection.
No Claim Bonus applies only to the Own Damage premium and grows with every claim-free year:
Year 1: 20% • Year 2: 25% • Year 3: 35% • Year 4: 45% • Year 5+: 50%
NCB is linked to the owner, not the car — it transfers when you buy a new car. On a ₹15,000 OD premium, a 50% NCB saves ₹7,500 per year. Protect it with NCB Protection Cover, and never let your policy lapse.
Driving with an expired car insurance policy is a Motor Vehicles Act offence — fine of ₹2,000 for first offence. More critically: any accident during the lapsed period leaves you fully liable for own damages and third-party claims out of your pocket. Your NCB is also reset to zero after a break-in. Renew before expiry, every time.
| Factor | Impact on Premium |
|---|---|
| Car Make, Model & Variant | Higher-end variants have higher IDV → higher OD premium |
| Engine Capacity (CC) | Higher CC = higher TP premium (IRDAI-fixed annual rates) |
| Age of Vehicle | Older car → lower IDV → lower OD premium; TP premium is age-agnostic |
| Insured Declared Value (IDV) | Higher IDV = better coverage & higher premium; undervaluing IDV risks under-compensation |
| Geographical Zone (City) | Zone A metros (Delhi, Mumbai, Chennai, Kolkata, Bengaluru, Pune, Ahmedabad, Hyderabad) attract higher premiums |
| No Claim Bonus (NCB) | Up to 50% discount on OD premium for 5+ claim-free years |
| Add-ons Selected | Zero Dep, RTI, RSA, Engine Protect each add 5–15% to base OD premium |
| Voluntary Deductible | Higher voluntary excess reduces premium, but increases out-of-pocket at claim |
| ARAI-Approved Anti-Theft Device | Up to 2.5% discount on OD premium |
| Fuel Type (EV / CNG) | EVs have lower TP premiums; CNG adds a kit loading on OD premium |
Yes. Under the Motor Vehicles Act, 1988, at least a Third Party Car Insurance policy is mandatory for every car on Indian roads. Driving without valid insurance attracts a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences. Comprehensive car insurance is optional but strongly recommended for all cars under 10 years old.
Third party car insurance covers only your legal liability for damage, injury, or death caused to another person or their property. It does not cover your own car. Comprehensive car insurance includes third-party cover plus Own Damage Cover (OD) for your vehicle — accidents, fire, theft, flood, and natural calamities. For any car under 10 years old, comprehensive is overwhelmingly the better choice.
Zero depreciation car insurance (Nil Dep / Bumper-to-Bumper) ensures parts are replaced at full cost without any depreciation deduction. Standard policies deduct 25–50% depreciation on rubber, plastic, and fibre parts, leaving you to pay the difference. Zero Dep is absolutely worth it for cars under 5 years old — the add-on premium is a fraction of the savings at claim time. Highly recommended with any comprehensive car insurance plan.
Car insurance premium is calculated based on: car make, model, and engine CC (affects TP premium fixed by IRDAI), Insured Declared Value (affects OD premium), age of the vehicle, city/zone of registration, No Claim Bonus (NCB) discount, add-ons chosen, and voluntary deductible. Use TropoGo’s car insurance premium calculator to get an instant, accurate quote for your specific car.
For expired car insurance renewal through TropoGo: if expired within 90 days, most insurers still accept renewal but may require vehicle inspection before issuing OD cover. Your NCB is forfeited on a lapsed policy. Enter your registration number on TropoGo, choose your plan, and our team will coordinate any required inspection. For policies expired over 90 days, a fresh inspection is mandatory. Renew as soon as possible to minimise exposure.
No Claim Bonus (NCB) is a discount on your Own Damage premium for every consecutive claim-free year. After year 1: 20% discount; after 5 years: 50% discount. NCB is linked to the car owner (not the car) and transfers when you buy a new vehicle. Making even one claim wipes out all accumulated NCB — unless you have an NCB Protection Cover add-on. Never let your policy lapse, as that also resets NCB to zero.
EV car insurance may or may not cover battery damage depending on the insurer and policy wording. Standard comprehensive policies cover the battery as part of the vehicle. However, battery degradation (capacity loss over time) is excluded as wear-and-tear. Some insurers offer a specific battery endorsement covering sudden and accidental damage. Always verify battery cover terms when buying EV car insurance in India for Tata, MG, Hyundai, or any other EV brand.
Return to Invoice (RTI) is an add-on that pays the original ex-showroom purchase price of your car (plus registration and road tax) in case of total loss or theft — instead of the standard IDV (which is lower after depreciation). For example, if you bought a Maruti Swift for ₹8 lakh and its current IDV is ₹5.5 lakh, RTI pays back ₹8 lakh. RTI is most valuable in the first 2–3 years of the car’s life when the gap between invoice price and IDV is widest.
