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Car Insurance

Drive Protected, Drive Free

New car cover, quick renewals and cashless claim support, all handled by the Smartwheels team in one visit.

Get a Quote Renew Policy
QuickQuotes & renewals
CashlessClaim support
One visitCar + insurance
DedicatedClaim help

Choose the cover that fits you

Understand the main types of car insurance, then let our team recommend the right one for your car and budget.

Most chosen
Comprehensive

The all-round cover for your own car and for others.

  • Damage to your car from accidents, fire, theft and natural calamities
  • Third-party liability included
  • Add-ons can be attached for extra protection
Third-Party

The minimum cover required by law for every car on the road.

  • Legal liability for injury or death of a third party
  • Damage to a third party’s property
  • Lowest premium, no cover for your own car
Own-Damage

A standalone cover for your own car, for owners who already hold a long-term third-party policy.

  • Repair cost of your car after an accident
  • Fire, theft and natural calamity cover
  • Works alongside your existing third-party plan

Add-ons that make a difference

Popular extras you can add to a comprehensive policy. Availability depends on the insurer and your car’s age.

Zero DepreciationClaim closer to the full value of replaced parts.
Engine ProtectCovers engine damage from water ingress and oil leakage.
Roadside AssistanceHelp on the road for breakdowns, flat tyres or towing.
Return to InvoiceGet the invoice value if the car is stolen or totalled.
Consumables CoverCovers nuts, bolts, oil and other small items in a claim.
NCB ProtectionKeep your no-claim bonus even after a claim.

Get your quote or renew in minutes

Share a few details and your request goes straight to our insurance team on WhatsApp. We will call you back with the best options.

  • Quotes for new cars, renewals and used cars
  • Help choosing the right add-ons
  • Paperwork done together with your car purchase
  • Claim help from our own body shop

Request a callback

We only use these details to prepare your quote.

Claims made simple

If the worst happens, we guide you from the first call to getting your car back. Repairs are done at our own authorised body shop.

1

Inform us and your insurer

Call your insurance company and Smartwheels. We help with claim registration and what to do next.

2

Surveyor inspection

The insurer’s surveyor inspects the damage at our body shop.

3

Repair after approval

Once the claim is approved, our technicians repair and paint your car to factory standards.

4

Handover

Collect your restored car. In cashless claims you pay only the deductible and any non-covered items.

Explore Body Repair

Keep these handy

Documents usually needed for a quote or renewal. Your advisor will confirm the exact list.

RC copyRegistration certificate
Previous policyFor renewals and transfers
ID & address proofAadhaar, PAN or similar
Car photosIf the policy has lapsed

Frequently asked questions

Yes. In India at least third-party insurance is required by law for every car on the road. A comprehensive policy adds protection for your own car as well.

Third-party covers only the damage or injury you cause to others. Comprehensive covers that plus damage to your own car from accidents, fire, theft and natural calamities.

Please renew before the expiry date. If the policy lapses, the insurer may ask for a vehicle inspection and you can lose your no-claim bonus. Message us and we will guide you.

It is a discount on your own-damage premium for every claim-free year. It belongs to you, not the car, and can be carried over when you renew or change insurer, subject to the insurer’s rules.

In a cashless claim the repair bill is settled directly between the garage and the insurer. You pay only the deductible and items the policy does not cover.

Yes. We help with insurance for used cars and with transferring a policy when you buy through True Value. Ask our team for details.

Insurance is the subject matter of solicitation. Coverage, add-ons and premiums depend on the insurer’s terms, your car’s details, location and claim history. Please read the policy wording before buying.

Protect your car today

Talk to our insurance team for a quote, a renewal or claim help. We are one message away.

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