Officially known as the IT Hub of India, Bangalore, now Bengaluru is among the most developed and progressive cities in the country. The city is blessed with a benevolent climate, a modern metro system, and striking Victorian-era architecture. Furthermore, the quirky cafes, lovely parks with lush-green bushes, and joyous bars with sprawling nightlife will make a big place in your heart.
While Bangalore sure is growing, so is the vehicle population. Bangalore has narrow roads, high vehicle density and a huge traffic problem. All of this can easily lead to an accident. Protecting yourself with a car insurance policy in Bangalore is a must. Car insurance will provide financial backup during an accident or a mishap. Lets dive into the world of car insurance in Bangalore.
Here are a few stats about road traffic in Bangalore that will blow your mind:
Bangalore is a busy city and has a huge traffic problem. Hazards are very likely to happen. Having car insurance in the city of Bengaluru is not a recommendation but a necessity. Here are major reasons of getting a four-wheeler insurance policy in Bangalore:
As per the law under Motor Vehicle Act 1988, a third-party car insurance policy is mandatory in order to drive on public roads. Failing to do so can lead to several fines and challans.
As we saw the traffic statistics in Bangalore, around 5000 accidents happened just in the year 2024. It is absolutely necessary to have car insurance for your car in Bangalore to protect yourself from a mishap or an accident financially.
Police data has shown there is one vehicle stolen every 48 minutes in Bangalore. Getting car insurance ensures you can get at least the IDV of the vehicle in case of a theft.
Bangalore is notorious for uncertain rains. Floods and waterlogging are the major monsoon problems in Bangalore. Car insurance ensures that your car is financially protected during the showers.
With increasing repair costs and repair parts of the vehicles, not having four-wheeler insurance can leave a hefty dent in your wallet. A four-wheeler insurance policy will help you out with the regular repairs and adding a Zero-Depreciation cover will make sure you do not lose out on repair parts due to depreciation.
You can get a car insurance policy in a few minutes online through Coverfox in Bangalore. Why skip out on financial protection because you cannot physically get time out of your life for insurance? Just get it at the luxury of sitting in your chair.
Below are three major types of car insurance policies in Bangalore.
This is a type of car insurance which is mandatory by law, as per the Motor Vehicle Act 1988. In this, any liability towards a third-party (person or property) that has risen due to an accident caused by the policyholder is covered.
This is an all-round car insurance plan, covering not only any third-party liability, but also your own car damage as well. You can customise comprehensive coverage plans with add-ons like Personal Accident Cover, Zero Depreciation, 24x7 Roadside assistance to further extend your coverage plan.
Damages caused to the policyholder’s own car are covered under this type of policy. It does not cover any third-party liability, that means you will need to buy third-party insurance before getting this type of insurance. It is a cost-effective insurance plan to further extend your third-party insurance policy or an option to buy own damage coverage from another insurer.
Here’s what is covered and what is not covered under a comprehensive car insurance policy in Bangalore:
Here are key benefits of having car insurance in Bangalore
| Benefit | Description |
|---|---|
| Legal Compliance | Mandatory under the Motor Vehicles Act to avoid fines and legal penalties. |
| Financial Protection | Covers expenses from accidents, theft, fire, or natural calamities. |
| Third-party Liability Coverage | Protects you against legal and financial liability for injury or damage to others. |
| Cashless Repairs | Tie-ups with garages in Bangalore allow hassle-free, cashless claim settlements. |
| Personal Accident Cover | Provides financial support in case of accidental injury or death. |
| Peace of Mind in Traffic Conditions | High congestion and accident risk in Bangalore makes insurance highly valuable. |
| Add-on Flexibility | Offers riders like zero depreciation, engine protection, and roadside assistance. |
| Quick Online Purchase & Renewal | Easily available through digital platforms with instant policy issuance. |
| No Claim Bonus (NCB) | Rewards safe driving with premium discounts on renewals. |
| Support During Natural Calamities | Covers damage from floods, heavy rain, and fallen trees—common in Bangalore. |
There are several cashless garages in Bangalore authorized by various Car Insurance Companies. Some of them are mentioned below:
| Name | Address | City | State |
|---|---|---|---|
| Aadarsha Car Care | No 457/4,Opp Isro,Chokkasandra, T. Dasarahalli, Bangalore | ||
| Advaith Motors Pvt Ltd | No 167/37/1, 3Rd Main Road, Industrail Town, Near Fire Station, Rajajinagar, Bangalore | ||
| Advaith Motors Pvt Ltd - Ban | No 56,1St Main Road, Sarakki Indl Layout, J P Nagar, 3Rd Phase, Bangalore-78 | ||
| Advaith Motors Pvt Ltd - Bangalore | No. 41/2, Devarabesanahalli, Varthur Hobli, Outer Ring Road, Opp. Intal Software, Bangalore-37 |
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In order to buy car insurance online in Bangalore follow these steps:
You can file for a claim in Bangalore very easily, just follow these steps:
After the incident happened (accident, theft, damages, etc), inform the insurer as soon as possible through their website/email/phone.
File an FIR at the nearest police station in Bangalore if required (In case of major accident or thefts).
Fill in the claims form from your insurer (Most insurers have it on their website) and submit the required documents.
Visit the nearest network garage in Bangalore of your insurer, and get your car fixed there. Payment will be settled by the insurer directly.
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
Following documents are required for filing a claim in Bangalore:
For choosing the best insurance policy in Bangalore that fits your need, keep a track of these factors:
Following factors affect the car insurance premium in Bangalore:
Your car model and its variant affect insurance premium. Higher value cars have higher premium cost, whereas cheaper cars have comparatively less premiums..
IDV also depends on the age of the car. New cars have higher IDV, whereas older cars have comparatively less IDV.
Your driving experience and record affect the premium price. Clean slates generally have less premium cost.
The type of insurance you select also affects the insurance premium. A comprehensive policy will cost more but provide better coverage. Also, each add-on has an additional cost, so select only those add-ons you require.
Claim-free years reward you with a discount on your premium, often up to 50% for multiple years.
Commercial use or extensive mileage increases wear and tear, resulting in a higher premium.
Cars with anti-theft devices or advanced safety systems can fetch you premium discounts.
Voluntary deductibles reduce your premium but increase your out-of-pocket expenses during claims.
Follow these traffic rules in Bangalore to avoid complications with insurance:
Ans: You can purchase the car insurance online in Bengaluru from Coverfox
Ans:First, check if everything is okay (no one is injured), then, file an FIR if required, then inform your insurer about the incident, take photos for evidence, and then get your car repaired at a network garage (after filling claims form) for cashless transaction.
Ans: You wll require the following documents:
Ans: Yes you will need the following documents:
