Car insurance — compared, explained and renewed on time
Every car on a public road needs at least third-party cover; a comprehensive policy also protects your own car. Your Kreeva advisor compares plans from leading insurers and checks the IDV, add-ons and no-claim bonus before you pay.
Types of car insurance
Comprehensive
Damage to your own car plus your legal liability to others. The right choice for most private cars.
Third-party only
Covers injury or damage you cause to other people and their property. The legal minimum.
Standalone own damage
Covers your own car when you already hold a long-term third-party policy.
Add-on covers worth knowing
| Add-on | What it does | Usually worth it when |
|---|---|---|
| Zero depreciation | Pays the full cost of replaced parts with no depreciation deduction. | The car is up to 5 years old. |
| Engine protection | Covers engine damage from water ingress or oil leakage. | You drive through waterlogged roads in the monsoon. |
| Return to invoice | Pays the invoice value, not the IDV, on total loss or theft. | The car is new or financed. |
| NCB protection | Keeps your no-claim bonus after a claim. | You have built up a high NCB. |
| Roadside assistance | Towing, flat tyre and battery help. | You drive long distances on highways. |
| Consumables cover | Pays for oil, nuts, bolts and coolant used in repairs. | You already chose zero depreciation. |
What is covered
What is not covered
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
Tell us first
Call or WhatsApp with photos and the location. We register the claim.
Survey and garage
We help you choose a network garage and arrange the surveyor.
Documents
We send a checklist: RC, licence, policy and FIR if needed.
Settlement
Cashless at network garages, or reimbursement — we follow up until paid.
Car insurance — questions
Is third-party car insurance mandatory?
Yes. Under the Motor Vehicles Act every car on a public road must have at least third-party liability cover. Comprehensive cover is optional but protects your own car too.
What is IDV and why does it matter?
IDV (Insured Declared Value) is the most the insurer pays if the car is stolen or totally damaged. A lower IDV reduces the premium but also the payout, so it should stay close to the car’s market value.
Will I lose my no-claim bonus if I change insurer?
No. The no-claim bonus belongs to you and moves with you when you switch, as long as you renew within 90 days of expiry.
My policy has expired. Can I still renew?
Yes. An inspection of the car may be needed before cover starts. Renew within 90 days of expiry to keep your no-claim bonus.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.