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Car insurance is a type of insurance policy that efficiently takes care of expenses arising from unfortunate events, such as an accident, theft, and any third-party liability. Car insurance is the best way you can protect yourself and your car from financial emergencies, including any legal liability, resulting from physical damage, traffic collision, bodily injury caused to you, your car, or a third party. Various car-insurance-specific terms & conditions are subject to vary with legal regulations in different regions of the country.

As per law, it is mandatory for vehicle owners to buy car insurance for their vehicles plying on Indian roads. With car insurance comparison on DealPicky, you can save money, avail discounts, and find the best plan. Compare various insurance plans online and buy the one that fulfills your insurance expectations hassle-free.

Car insurance quotes

Comprehensive or Third Party Property Damage? Choose the car insurance that is right for you.

  • Comprehensive Cover for your car and damage you cause to other people’s property
  • Cover for accidental damage to your car
  • Cover for accidental damage to other people’s property (including vehicles) which is partly or fully your fault
  • Cover for accidental loss or damage to your car caused by fire or theft. A 72 hour waiting period applies to bushfire damage. Refer to the PDS for Terms and Conditions.
  • Cover for accidental loss of or damage to your car including flood, storm and hail. A 72 hour waiting period applies to cyclone, flood or bushfire. Refer to the PDS for Terms and Conditions.
  • Guarantee on authorised repairs 
  • Reasonable costs of towing after a covered accident

Third Party Property Damage Cover only for damage you cause to other people’s property


  • Cover for accidental damage to other people’s property (including vehicles) which is partly or fully your fault
  • Approved legal costs arising out of a claim for liability covered by your policy
  • Cover for accidental damage to your car if you are not at fault in an accident and the other vehicle is uninsured. Up to a maximum value of $5,000 determined by the market value of your car
  • Legal liability cover when using a substitute vehicle while your vehicle is being repaired or serviced (excluding hire cars) 
What is the difference between Comprehensive, Compulsory and Third Party Property Damage Car Insurance?

Comprehensive Car Insurance provides you with cover for repairing or replacing your vehicle if it is damaged in an accident or while it is not being driven. It also provides you with cover for damage you cause to other people’s property and vehicles. Compulsory Third Party (CTP) Insurance insures you or any other driver of your vehicle against liability for death or injuries resulting from a motor vehicle accident for which you or the driver of your vehicle are at fault. Third Party Property Damage Car Insurance only provides cover for damage you cause to other people’s vehicle and property, while Third Party Property, Fire and Theft provides additional cover for damage to your vehicle caused by fire or theft.

How can I get cheaper car insurance?

By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers like you.
Depending on the type of car insurance you choose, there are a number of ways you can reduce your premium even further, namely:
Select the right level of cover. Do you need comprehensive cover for your car, or would third party property insurance be enough?
Set a driver-age restriction. You can get a lower premium by restricting your policy to drivers over a certain age (21+, 25+, 30+, 40+, 50+).
Increase your excess. If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.
Maintain a good driving record. For each claim-free year, you’ll receive a no claim discount (NCD) on your premium; the NCD is capped at 5+ years, at which point we’ll give you a Rating 1.

How much can I insure my car for?

With Budget Direct, you can insure your car for its market value or, in some cases, for an agreed value.
Market value is the reasonable cost to replace your vehicle with one of the same make, model, age, mileage and overall condition.
To get an idea of what your car may be worth, search for it in the Red Book or on car sales websites.
Please note that the prices provided by these sites are only meant to be a guide. Your car’s market value will be determined by us at the time of the loss or damage.
Agreed value is the amount we agree to insure your car for. We may offer you an agreed value, provided: your car is less than 10 years old; and your vehicle has not been converted to LPG; and the agreed value is within an acceptable range of the market value.
The value for which your car is covered is shown on your insurance certificate.

What does my CTP Policy cover.?

Compulsory Third Party (CTP) personal injury insurance covers injury caused to third parties when you or the person driving your vehicle is the driver at fault in an accident. Third parties include your passengers and other road users, such as drivers, passengers of other vehicles, pedestrians, cyclists, motor cyclists and pillion passengers. Your CTP insurance also covers you for injuries caused through the use of a trailer.