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:
Over 1.2 crore vehicles are registered in Bengaluru.
Between January and December 2024, over 6.44 lakh private vehicles, including two-wheelers and cars, were registered, representing a 9% increase compared to 2023.
Bengaluru recorded 4,784 road accidents, a 4% decrease from 4,974 in 2023.
Out of the total accidents in 2024, 871 were fatal, resulting in 893 deaths, a slight decrease from 910 deaths in 2023.
Bengaluru Traffic Police issued over 80 lakh challans, indicating a significant rise in traffic violations.
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 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 that 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.
Third party 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 arisen due to an accident caused by the policyholder is covered.
Comprehensive car insurance is an all-round 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 own damage car insurance 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:
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 |
The amount of car insurance coverage you need in Bangalore depends on the city’s unique driving conditions and risks. With its heavy traffic, frequent road congestion, and higher chances of minor accidents, having at least a comprehensive car insurance policy is strongly recommended. This not only covers third-party liabilities, which are legally mandatory, but also protects your own vehicle against damages from accidents, theft, and natural disasters like floods during the monsoon. Given the rising repair costs and growing instances of road mishaps in Bangalore, opting for add-ons such as zero depreciation cover, roadside assistance, and engine protection can provide enhanced financial security.
In order to buy car insurance online in Bangalore follow these steps:
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:
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