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Vehicle Insurance · Navdrishti Group

Drive Safe.
Stay Covered.

Comprehensive · Third-Party · Own Damage — we compare plans across India's top general insurers and get you the best cover at the lowest premium. IRDAI-licensed. Completely free.

🚗 Car Insurance
🏍️ Two-Wheeler
🚐 Commercial Vehicle
⚡ Instant Renewal
Get Your Vehicle Quote
100% Secure & Confidential

Get Your Vehicle Insurance

Tell us about your vehicle and get the best plan.

🔒 No spam · Your data is private · Always free
Coverage Options

Choose the Right Protection

Three types of vehicle insurance — Navdrishti helps you pick the right plan that gives maximum coverage at the right price.

⭐ Most Popular
🛡️
Comprehensive
The complete package — covers your own vehicle AND protects against third-party claims. Best for all vehicle owners.
✅ Best for: All vehicle owners
What's Covered
✓Own damage — accident, fire, theft, flood
✓Third-party injury & property damage
✓Personal accident cover — ₹15 Lakh
✓Natural calamities — flood, earthquake, cyclone
✓No-Claim Bonus (NCB) — up to 50% off
✓Add-ons: Zero Dep · Engine Protect · Roadside Assist
🛡️ Get Comprehensive Quote →
⚖️
Third-Party Only
The legally mandatory minimum. Covers damage or injury to others — driving without it is illegal in India.
⚖️ Legally mandatory for all vehicles
⚖️ Required under Motor Vehicles Act
What's Covered
✓Third-party bodily injury & death
✓Third-party property damage (up to ₹7.5L)
✓Personal accident cover — ₹15 Lakh
✗Own vehicle damage NOT covered
✗Theft, fire, natural disasters NOT covered
✗No-Claim Bonus not applicable
Get Third-Party Quote →
🔧
Own Damage Only
Add-on cover for your vehicle when you already have a valid third-party policy from another insurer.
🎯 Best for: Already have TP policy
What's Covered
✓Accidental damage to your vehicle
✓Fire and explosion damage
✓Theft of vehicle
✓Natural calamities — flood, hailstorm etc.
✓NCB benefit maintained and transferable
✗Third-party liability not included
Get OD-Only Quote →
Why It Matters

One Accident Can Cost You
Everything You've Saved

India records 4.5 lakh+ road accidents annually. Without proper vehicle insurance, a single incident can wipe out years of savings — and put you in legal trouble.

💥
Own Damage Scenario
Your car meets with an accident

Collision, pothole damage, flood, fire, theft — without comprehensive cover, every rupee of repair comes straight out of your pocket.

₹2L+
Average repair costfor a mid-segment car after a major accident
⚠️
Third-Party Scenario
You damage someone else's vehicle or property

Third-party insurance is mandatory by law. Driving without it carries a ₹2,000 fine and up to 3 months imprisonment. Court awards can run into lakhs.

₹3,000
Fine for no insuranceplus potential imprisonment under Motor Vehicles Act
🏥
Personal Accident Scenario
You're injured — or worse

Personal accident cover (mandatory under Indian law) ensures ₹15 Lakh compensation for the owner-driver in case of permanent disability or accidental death.

₹15L
Mandatory PA coverrequired by IRDAI for all registered vehicle owners
Why Choose Navdrishti

Not Just a Policy.
A Year-Long Partner.

Getting a policy is easy anywhere. What sets Navdrishti apart is everything that comes after — claim support, renewals, and unbiased advice for life.

🔍
Unbiased Comparison from 10+ Insurers
We're not tied to any single insurer. We compare Tata AIG, ICICI Lombard, HDFC ERGO, Bajaj Allianz, IFFCO Tokio and more — and recommend what's genuinely best for you.
🚨
24×7 Claim Support — We Handle Everything
Accident at midnight? We're available. One call to 98991 10066 — we coordinate with the garage, surveyor and insurer. You focus on safety, we handle the paperwork.
⚡
Policy in Your Inbox in Under 10 Minutes
From the moment you call to receiving your policy PDF on WhatsApp, the entire process takes less than 10 minutes. Instant digital policy — no physical paperwork.
💸
Best Premium — Not the Highest Commission
We earn the same commission regardless of insurer — so we have zero incentive to push an expensive plan. Our advice is always in your interest, never influenced by margins.
🔄
Zero-Hassle Renewal Reminders
We track your policy expiry and remind you 30 days before renewal — so you're never caught driving with a lapsed policy. We also protect your NCB during renewals.
🤝
IRDAI Licensed · 22+ Years Trusted
MDRT and COT-certified advisors. IRDAI licensed. 22+ years protecting 3,000+ Delhi NCR families — not just selling policies, but building long-term trust.
How It Works

Get Insured in 4 Simple Steps

Click any step below to see exactly what happens. Takes under 10 minutes from start to policy in your inbox.

Step 01
📞
Call or
WhatsApp Us
Step 02
📊
We Compare
Plans
Step 03
✅
You Choose
& Pay
Step 04
📄
Policy in
Your Inbox
Step 01 of 04
Call or WhatsApp — Tell Us About Your Vehicle
Just call 98991 10066 or WhatsApp us. Tell us your vehicle type, registration number, and current policy status (new/renewal). Takes less than 2 minutes. No forms to fill, no wait times.
⏱ Takes just 2 minutes
What to keep ready
🚗Vehicle registration number (RC)
📋Current policy copy (for renewal)
📅Policy expiry date if renewing
Step 02 of 04
We Compare Plans Across 10+ Insurers
Our advisors check plans from Tata AIG, ICICI Lombard, HDFC ERGO, Bajaj Allianz General, IFFCO Tokio and more — comparing premiums, add-ons, NCB, and claim settlement ratios. You get the best plan, unbiased.
✅ 100% unbiased comparison
We compare on
💰Premium amount across all insurers
📊Claim settlement ratio
🔧Add-ons: Zero Dep, Engine Protect, RSA
Step 03 of 04
You Choose a Plan & Make Payment
We present you the top 2–3 options with a clear recommendation. You choose at your comfort — pay online via UPI, net banking or card. No hidden charges. No pressure.
⏱ Payment under 3 minutes
Payment options
📱UPI (GPay, PhonePe, Paytm)
🏦Net banking & debit/credit card
📞Or we can send you a payment link
Step 04 of 04
Policy Delivered Instantly to Your WhatsApp & Email
The moment payment is confirmed, your policy document and e-card are delivered to your WhatsApp and email — instantly. No waiting, no physical paperwork. Valid from the moment you pay.
⚡ Instant policy delivery
What you receive
📄Full policy document (PDF)
💬E-card on WhatsApp — show at checkpost
📞Navdrishti claim support for the full year
Our Promise:
📞 Call
📊 Compare
✅ Choose
📄 Get Policy
Vehicle Insurance FAQ

Everything You Need to Know Before You Buy

Your most common vehicle insurance questions — answered clearly.

Yes — third-party insurance is compulsory under Section 146 of the Motor Vehicles Act, 1988 for all vehicles used on Indian roads. Penalties for driving without insurance include a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences, plus up to 3 months imprisonment. Traffic police can also seize your vehicle at a checkpoint. Always carry your insurance certificate when driving.
IDV (Insured Declared Value) is the current market value of your vehicle — the maximum amount the insurer will pay if your vehicle is stolen or declared a total loss. It is calculated based on the manufacturer's listed selling price minus depreciation based on vehicle age. A higher IDV means a higher premium but better protection in case of total loss. Our advisors help you set the correct IDV — not too low (under-insured) and not too high (unnecessarily inflated premium).
NCB (No Claim Bonus) is a discount on your Own Damage premium for each claim-free year — ranging from 20% after year 1 to 50% after 5 consecutive claim-free years. It belongs to you as the owner, not the vehicle — so it transfers when you buy a new car or switch insurers. NCB is reset to zero if you make even one claim. For small damages, it is often better to pay for repairs yourself and preserve your NCB — our advisors help you calculate the break-even point.
For vehicles up to 5 years old, almost always yes. Without zero-dep, the insurer deducts depreciation on replaced parts during claims — metal parts at 50%, plastic parts at 30–50%, rubber and glass at 30–50%. This can reduce your claim payout by 20–40%. With zero-dep, you receive the full repair cost. The add-on typically costs 15–20% extra on your OD premium — significantly less than what you would lose to depreciation in a claim.
Cashless repair is only available at network garages empanelled by your insurer. You can check the list of network garages on your insurer's website or app. If you get repairs done at a non-network garage, you will need to pay upfront and claim reimbursement later. Our advisors identify the nearest network garage for your insurer and vehicle make during the claims process — so you never need to search yourself in an emergency.
Yes, you can renew an expired policy, but there are consequences: You lose your accumulated NCB discount if the gap exceeds 90 days. The insurer will likely require a physical vehicle inspection before renewing an expired policy. Driving on an expired policy is treated the same as driving with no insurance. Our advice: Renew at least 30 days before expiry. We send you a reminder — and handle the renewal process for you so you never lapse by accident.
Yes — NCB belongs to you and is portable across insurers. To transfer your NCB when switching: obtain an NCB retention letter from your old insurer, provide it to the new insurer at the time of renewal, and the new insurer will apply the same NCB discount. As long as you renew within 90 days of expiry and have not made a claim, your full NCB is preserved. Our advisors handle this transfer process completely.

Navdrishti Group is a forward-looking investment and advisory firm specializing in real estate, life insurance, and health insurance solutions. 

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