You have just bought a brand new car. It is shiny, it smells new, and you want to keep it that way. But accidents, theft, and damage can happen to anyone. The right new car insurance protects your investment from day one.
New cars need more than basic coverage. They need add ons that pay the full value if something goes wrong. Zero depreciation, return to invoice, and engine protection are essential for a new car. Without them, you could lose lakhs of rupees on a single claim.
Compare showroom vs online quotes and save thousands
A new car loses value the moment you drive it out of the showroom. If it is stolen or totaled in an accident, standard insurance pays the market value, which is already lower than what you paid. With the right add ons, you can bridge this gap and recover the full cost.
New car parts are also more expensive. A bumper replacement on a mid range sedan can cost Rs 15,000 to Rs 30,000. Without zero depreciation cover, you pay a portion of that from your pocket. With it, the insurer covers the full amount.
Always choose comprehensive car insurance for a new car. Third party only cover is not enough. Comprehensive insurance protects against theft, accidents, fire, floods, and vandalism. It also includes your legal liability to third parties. Add the recommended add ons for maximum protection.
Looking to compare broader vehicle options? Explore our general Car Insurance overview.
Equip your brand-new vehicle with essential rider protections that safeguard your full financial outlay during accidental or environmental damage.
This is the most important add on for a new car. It ensures the insurer pays the full cost of part replacement without deducting for wear and tear. Without it, you may have to pay 30% to 50% of the cost yourself.
If your car is stolen or declared a total loss, standard insurance pays the current market value. Return to invoice cover pays the original invoice price of the car, including registration and road tax. This covers the gap between what you paid and what the insurer would normally pay.
Water logging during monsoons can damage your car's engine. Standard insurance does not cover engine damage from water ingestion. Engine protection add-on covers the cost of repairing or replacing a hydrostatic locked engine.
Modern car keys are expensive to replace. A smart key for a premium car can cost Rs 10,000 to Rs 30,000. This add on covers the cost of replacing lost or stolen car keys.
New car insurance premiums depend on the car's make, model, variant, and your city. Add ons increase the premium by Rs 2,000 to Rs 8,000 depending on the covers you choose.
Independent motor insurance comparison with dedicated claim support
Our advisors understand which add ons matter for new cars and which ones you can skip. We compare policies from multiple insurers to get you the best coverage at a competitive premium. We also help with claims if your car is damaged or stolen.
Answers regarding new car insurance policies, zero depreciation, costs, and pre-delivery purchase
Do not wait. Get your new car insured before you drive it home. Call 90 90 92 15 15 or fill out the form for an instant quote.