CarInsuranceAdvisory
Compare policies across premier general insurance underwriters. Protect your private or commercial car with tailored IDV valuation, cashless garage connectivity, and critical add-ons.
Types of Car Insurance Plans
Comprehensive Car Cover
Most PopularAll-in-one protection covering both Third-Party liabilities and Own Damage (accidents, natural disasters, theft, vandalism, fire).
Third-Party Only Cover
Mandatory by LawFulfills legal obligations under the Motor Vehicles Act by protecting against financial liabilities arising from damages or injuries to third parties.
Standalone Own-Damage (OD)
For Bundled PlansDesigned for vehicles that already possess active long-term third-party cover but need independent renewal for own vehicle damages.
Recommended Add-On Covers
Zero Depreciation (Bumper to Bumper)
Settles claims without deducting standard depreciation on plastic, rubber, fiber, and glass parts.
Engine & Gearbox Protection
Covers mechanical breakdown or hydrostatic lock caused by water ingression (waterlogging) or lubricant leakage.
24x7 Roadside Assistance (RSA)
On-site towing, battery jump-start, flat tyre replacement, emergency fuel delivery, and key lockout support.
No Claim Bonus (NCB) Protector
Retains your hard-earned discount percentage even if you lodge a single accidental claim during the policy tenure.
Consumables Cover
Covers costs of nuts, bolts, engine oil, coolant, AC gas, and washers that are normally excluded from claim settlements.
Return to Invoice (RTI)
In case of total loss or theft, bridges the gap between vehicle IDV and original on-road purchase price.
How Cashless Car Claims Work
Intimate the Insurer
Call the toll-free claim number or register the incident online before moving the vehicle if majorly damaged.
Tow to Network Garage
Opt for a cashless authorized repair workshop so surveyor assessment and digital approval can proceed swiftly.
Survey & Documentation
Provide RC, driving license, and claim form. The insurance surveyor approves repair estimates.
Cashless Settlement
The insurer settles admissible repairs directly with the garage; you pay only the standard compulsory deductible and uncovered parts.
Request Car Insurance Quotes
Compare policy features and premium options without high-pressure sales calls.
Car Insurance FAQs
Common questions answered by our consulting team in Rohtak.
What is Insured Declared Value (IDV)?
IDV is the maximum sum insured payable by the insurer in case of total loss or theft of the car. It represents the current market value of your vehicle after adjusting for age-based depreciation from the manufacturer's listed selling price.
Can I renew my expired car insurance through First Truth?
Yes. If your policy has expired, our team can help schedule a quick digital self-inspection via your smartphone or arrange a physical vehicle survey to restore coverage seamlessly.
What documents are required to request a car insurance quote?
For an initial comparative quote, just your vehicle make, model, registration year, and previous policy expiry details are needed. For final policy issuance, copies of the Vehicle Registration Certificate (RC) and previous policy (if available) are required.
How does First Truth help during car insurance claims?
While claim decisions are made by the insurer, our advisory team assists you in organizing paperwork, coordinating with surveyors, and clarifying deductible clauses to avoid dispute.
