INTRO
Your car is more than a vehicle — it’s a daily companion. Ensuring it’s adequately insured protects you from unexpected financial loss due to accidents, theft, natural disasters, or third-party liabilities.
At Sama Insurance Brokers, we help you cut through the confusion of car insurance by explaining your options clearly, comparing policies from multiple insurers, and recommending coverage that truly fits your needs and budget.
TYPES OF CAR INSURANCE
Types of Car Insurance Plans
Third-Party Liability Insurance (Mandatory by Law) Covers your legal liability for bodily injury, death, or property damage caused to a third party in an accident involving your car. This is the minimum coverage required under the Motor Vehicles Act, 1988.
Comprehensive Car Insurance Covers both third-party liability AND damage to your own car due to accidents, fire, theft, natural calamities (floods, earthquakes), and vandalism. Highly recommended for better financial protection.
Own Damage (OD) Cover Available as a standalone plan for cars that already have a valid third-party policy. Covers damage to your own vehicle.
WHAT IS COVERED
What Does Car Insurance Cover?
✅ Accidental damage to your vehicle
✅ Theft of the vehicle
✅ Fire and explosion
✅ Natural calamities (flood, earthquake, storm, landslide)
✅ Third-party injury or death
✅ Third-party property damage
✅ Personal accident cover for the owner-driver
WHAT IS NOT COVERED
What Is Typically Not Covered?
❌ Driving without a valid licence
❌ Driving under the influence of alcohol or drugs
❌ Regular wear and tear
❌ Mechanical or electrical breakdown
❌ Damage outside the geographical limits of India (unless extended)
ADD-ONS AVAILABLE
Useful Add-Ons to Consider
- Zero Depreciation Cover (Nil Dep)
- Return to Invoice Cover
- Engine Protection Cover
- Roadside Assistance
- Consumables Cover
- NCB (No Claim Bonus) Protector
- Key Replacement Cover
HOW WE HELP
How Sama Insurance Brokers Helps You
- Policy Comparison — We compare plans from multiple insurers so you get the best value.
- Expert Advice — We explain coverage options in plain language.
- Renewals — Timely reminders and hassle-free renewal support.
- Claim Assistance — We guide you through the claims process step by step.
FAQ
Q: Is car insurance mandatory in India?
A: Yes. At minimum, third-party liability insurance is mandatory under the Motor Vehicles Act.
Q: What is IDV in car insurance?
A: IDV (Insured Declared Value) is the maximum sum insured by your insurer in case of total loss or theft of your vehicle. It represents the current market value of your car.
Q: What is NCB (No Claim Bonus)?
A: NCB is a discount on your own-damage premium for every claim-free year. It can go up to 50% after five consecutive claim-free years.
Q: Can I transfer my NCB if I buy a new car?
A: Yes, NCB is attached to the policyholder (you), not the car. It can be transferred to your new vehicle.
Get a Car Insurance Quote Today
It takes less than 2 minutes. We’ll do the comparison for you.