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Every Woman's Guide to Buying Car Insurance

18th March 2021 8min read 288 views

Women today have shattered glass ceilings and joined global conference rooms. They’ve taken charge of their lives and are managing businesses, families and finances. We wanted to be a part of the movement. So, we decided to ensure that every woman knows how to purchase car insurance. The process of buying insurance for men and women is the same in India. To help you kick-start your insurance journey, here's a look at the steps you need to follow to secure your car on the road:

Do a Little Research

Start by evaluating your vehicle. The age of your car, its condition and kilometres will all impact the kind of policy you can get. Every policy you consider will assign a value called an IDV to your car. IDV stands for Insured Declared Value. It is the maximum amount that your four-wheeler insurance company will pay if your vehicle is stolen or damaged beyond repair. Your car's IDV will directly impact the premium. Ideally, look for policies that offer a high IDV at a competitive premium rate. It is easy to compare the quotes of various car insurance companies online.

Pick Your Add-Ons

There’s more than one type of car insurance available in India. You can pick between a third-party liability-only policy and a comprehensive plan that offers higher protection. Whatever you choose, you can opt for more covers by selecting from your chosen insurance provider’s list of add-ons. All motor car insurance companies have a vast list of add-ons that they offer. Depending on how you intend to use your car, you can select the ones you need. If your vehicle is new, you’ll want to opt for something like zero depreciation cover. Just remember that the number of add-ons you select will directly impact your premium. So, pick wisely!

Choose Your Medium

In our digital world, you can purchase car insurance both online and offline. Most people today are comfortable making the entire transaction online. Right from carrying out research to selecting the add-ons and making the payment, you can complete everything with just a few clicks. Today, several car insurance companies also allow you to complete a vehicle survey, if required, online. As soon as you pay for the policy, a copy of your car insurance will arrive in your email inbox!


In just three easy steps, you can purchase your policy to safeguard your car and your finances. Happy driving!

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