Car Insurance in Ahmedabad

Known as the largest city in the state of Gujarat, Ahmedabad is famous for its rich history, culture, and heritage. Many people visit the city to witness its unique traditions and festivals like Dandia and Garba which are also popular dance forms.

In 2023, 4.3 lakh units of vehicles were sold in Ahmedabad, recording an all-time high, whereas in 2024, the number dropped to 3.4 lakh units (data by the Union Ministry of Road Transport and Highways, MoRTH). Seeing this surge in the number of passenger vehicles being sold, it is absolutely necessary to pair it up with car insurance. Car insurance works as a financial safety net in Ahmedabad for you and your car. Car insurance plays a vital role, and is a compulsory document required to drive on Indian roads as per the Motor Vehicle Act 1988.

These insights will help you understand the need of car insurance in Ahmedabad:

*(Data collected from reports from Ahmedabad RTO, Parivahan Dashboard, and local news reports)

There are 3 types of car insurance online available in Ahmedabad:

1. Third-Party Four-Wheeler Insurance

This type of car insurance is mandatory by law under the Motor Vehicle Act 1988. It covers any liability that resulted from an accident caused by the policyholder’s car. It covers third-party individual and property damage.

2. Comprehensive Four-Wheeler Insurance

This type of car insurance policy covers both own damage and third-party damage. It gives all-around protection to the policyholder’s car. It can be optimised and enhanced using add-ons. For new cars, comprehensive car insurance is the best choice.

3. Stand-Alone Four-Wheeler Insurance

This type of four-wheeler insurance policy will only cover the policyholder’s vehicle’s damages. Third-party damages are excluded in this policy and have to be purchased separately. This is a cost-effective type of car insurance policy, where you can buy third-party insurance from one insurer and own-damage insurance from another.

These factors influence the car insurance prices in Ahmedabad:

• Car details:

The age, model, type and price of the car influence the car insurance premium prices. Higher value cars have higher premium prices.

• Location:

Certain areas in Ahmedabad will have higher premium rates than others, depending on traffic density, urban centre or industrial zone, accident-prone area, etc.

• Discounts:

NCBs, direct discounts and bundling policies can lower the premium rate of car insurance in Ahmedabad.

• Type of Insurance:

The coverage scope of insurance determines the premium rate of the four-wheeler insurance policy. A third-party insurance is the most basic type, costing the least, whereas a comprehensive insurance policy will have more coverage, but will cost more.

This table represents the key benefits of car insurance in Ahmedabad:

You should buy car insurance online in Ahmedabad because:

1. Legal Requirement

Third-party car insurance is mandatory by law under Motor Vehicle Act 1988 to drive on public roads of Ahmedabad.

2. Theft Risk

In Ahmedabad, car theft is a serious issue. Interstate thief gangs are being apprehended in the city by the police. In 2024, 1,895 cases of car theft were recorded by the Ahmedabad police. Car insurance provides financial help if your car gets stolen as per IDV in the policy and invoice add-on.

3. Natural Calamities

Ahmedabad has experienced a variety of natural calamities, including earthquakes, floods, heavy rains, heat waves, and droughts. All of these can inflict significant damage to your car, requiring repairs if it's not totalled. This car damage can be financed by car insurance, and if you have engine protection cover, it can further help you save money on repairs.

4. Saves Money

This is pretty much self-explanatory. A four-wheeler insurance policy will help you save money by providing financial support during the time of need, as per the car insurance policy.

5. Peace of Mind

While driving on the roads of Ahmedabad, you do not have to worry about getting into trouble, at least financially if you have four-wheeler insurance. In case of an accident or mishap, the insurance company will make you whole.

• Collision - Damage and loss caused due to accidents or collisions.
• Theft - Coverage against losses incurred when your car is stolen.
• Fire - Loss or damage caused due to an accidental fire.
• Natural disaster - Damage and loss occurred due to natural calamities like, flood, earthquake, etc
• Personal accident - A compensation of about Rs. 15 lakhs in case the accident leads to death or disability of the owner.
• Third-party losses - Your insurer compensates for property damages and injuries caused by your car.

• Damage/loss caused due to war or similar conditions
• Damage occurred while driving under the influence of alcohol.
• Damage that arise when driving without a valid driver’s license.
• Damage occurred when the insurance policy is not active
• Regular wear & tear
• Regular servicing expense

Buy car insurance online in Ahmedabad using Coverfox by following these steps:

1. Visit Coverfox website, then go to Insurance > Car Insurance tab
2. Write down your registration number of the vehicle or
3. Click on “Bought a new vehicle?”
4. Select Manufacturer, then Car Model
5. Choose your powertrain
6. Choose your variant
7. Click on Get Quotes
8. Compare prices and Select appropriate Add-ons
9. Make an online payment through secure gateway
10. Your policy will be emailed to you after verification

Follow these steps to file a claim for car insurance in Ahmedabad:

• Inform the insurer: Inform the insurer about the incident involving the claim

• Lodge an FIR (If required): File an FIR at the nearest police station in Ahmedabad if required (In case of major accidents or thefts).

• Fill the claims form: Fill in the claims form from your insurer (Most insurers have it on their website) and submit the required documents.

• Repair the car at a Network Garage (Cashless Claim): Visit the nearest network garage in Ahmedabad of your insurer, and get your car fixed there. Payment will be settled by the insurer directly.

• Repair the car at a non-networked Garage (Reimbursement Claim): If a network garage is not available, you can repair your car at a garage, pay the appropriate costs, and collect the receipt. The insurer will reimburse you of the amount as per the policy.

Submit these required documents to file a claim in Ahmedabad for car insurance:

• Insurance policy document
• Vehicle Registration Certificate (RC)
• Driver’s licence
• First Information Report (FIR) – mandatory for theft or severe accidents
• Photos of the damaged vehicle or accident site
• Repair invoices and payment receipts (for reimbursement claims).

These tips will help you find the best car insurance policy in Ahmedabad:

• Compare different insurers online through Coverfox
• Check coverage scope of the car insurance policy
• Check inclusions and exclusions of the insurance policy
• Choose only the required add-ons
• Check availability of NCBs for discounts
• Check network garages of the insurer
• Ensure you buy car insurance through Coverfox for best deals and excellent support

Follow these traffic rules in Ahmedabad to avoid any hindrances with insurance:

• Follow all traffic rules and regulations on the road to avoid fines.
• Carry all necessary documents with you (Insurance, Licence, RC, PUC)
• Do not Drink and Drive or drive under influence.
• Do not give the car to someone who is illegal to drive.
• Do not carry expired car insurance, renew it at the earliest.
• Don’t do rash driving