Welcome to the PolicyBachat Car Insurance Blog, your go-to library for learning everything about buying, renewing, and saving on car insurance in India.
Whether you’re new to car ownership or renewing your tenth policy, these guides explain key terms like IDV, NCB, Zero Depreciation, and Comprehensive vs Third-Party coverage in simple language.
You’ll also find deep-dive articles about claim filing, premium calculation, and tips for specific cities or RTO zones, making this blog relevant for both national and local audiences.
All articles are written to help you make smarter, faster, and cheaper decisions when it comes to insuring your vehicle.
What is the Point of Car Insurance?
- Clear, jargon-free explanations for every car insurance topic.
- Step-by-step how-tos for buying, renewing, or claiming policies.
- Region-specific insights for Hyderabad, Telangana, and {pin6}.
- Latest IRDAI updates and insurer news summarized weekly.
- Trusted by thousands of drivers and policyholders across India.
Popular Categories
- Buying Guides
- Renewal & NCB
- Premium & IDV
- Add-ons Explained
- Claims & Settlement
- City-Specific Tips
Featured Articles
- IDV vs Premium - Finding the Right Balance for Your Car
- NCB Guide 2025, Keep Your Bonus While Switching Insurers
- Zero Depreciation Add-on Explained, What It Covers & When to Buy
- Break-in Renewal, How to Renew a Lapsed Car Policy Without Inspection
- Car Insurance Claim Process, Step-by-Step Guide for Cashless Claims
- Top 5 Car Insurance Add-ons Worth Paying For in 2025
- Comprehensive vs Third-Party, Which One Is Right for You?
- 5 Ways to Lower Your Car Insurance Premium Legally
- What to Do After a Minor Accident, Filing a Claim Made Easy
- Best Car Insurance Companies in 2025, Compare Claim Ratios & Add-ons
FAQs
How do I choose the best car insurance policy?
Compare coverage, premium, and claim ratio before purchasing.
What’s the difference between comprehensive and third-party?
Comprehensive covers your car too; third-party only covers others.
Which add-on gives the best value?
Zero Depreciation is the most popular and useful for cars under 5 years old.
What is NCB and how do I retain it?
No Claim Bonus offers up to 50% discount if no claim is made; transfer it when switching insurers.
Can I renew my car insurance after expiry?
Yes, within 90 days, subject to inspection.
How does IDV affect premium?
Higher IDV increases both coverage and premium.
Are online policies valid everywhere?
Yes, e-policies are IRDAI-approved and accepted nationwide.
How do I file a cashless claim?
Visit an authorized garage, share policy details, and file via insurer app.
Do EVs have different premium rules?
Yes, electric vehicles enjoy discounted third-party rates.
Can I switch insurers during renewal?
Absolutely. Keep your NCB and switch for better service or price.