Set near the Himalayan foothills, Dehradun is a lively city and also the capital of the Indian state of Uttarakhand. It is famous for being home to some of the elite boarding schools in India. The city is also known as the ‘school capital of India’. There are many popular tourist attractions in Dehradun such as Robber’s Cave, Tapkeshwar Mandir, Malsi Deer Park, Rajaji National Park, Buddha Temple, and Mind rolling Monastery.
As of April 2025, 286,219 private cars are registered in Dehradun (Data from Transport Department of Uttarakhand). There are more private vehicles than public vehicles in Dehradun; 23,832 of the total number of vehicles are public vehicles. With such a high number of vehicles on the roads of Dehradun, having car insurance is a must. As per the Motor Vehicle Act 1988, every car should have at least third-party car insurance to be legally able to drive on public roads in India. So, let's delve into the world of car insurance in Dehradun.
Here are a few key traffic statistics of Dehradun that will intrigue your mind, and make car insurance an essential in Dehradun.
There are three types of car insurance available online in Dehradun:
Third-party car insurance in Dehradun 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.
A comprehensive car insurance policy in Dehradun covers both – own damage and third-party damage. It gives full 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.
Own Damage Car Insurance policy will only cover the policyholder’s vehicle’s damages in Dehradun. 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.
You should buy car insurance online in Dehradun because:
Third-party car insurance is mandatory by law under the Motor Vehicle Act 1988 to drive on the public roads of Dehradun.
The first half of 2024 saw 165 vehicle thefts reported in Dehradun district, putting it second only to Haridwar within the Garhwal region, as per various reports. Car insurance provides financial help if your car gets stolen as per the IDV in the policy and the invoice add-on.
Dehradun has experienced a variety of natural calamities, including earthquakes, floods, heavy rains, and landslides. On September 16, 2025, a cloudburst in Dehradun led to flash floods that washed away cars and shops, resulting in four fatalities. All of these can cause significant damage to your car, requiring repairs if it's not totalled. This car damage can be covered by car insurance, and if you have engine protection cover, it can further help you save money on repairs.
Add-ons like Roadside protection cover are a must in Dehradun, considering the hilly roads, constant landslides and low visibility on road due to heavy fog. This add-on ensures your car insurer will have your back in case you are stuck in the middle of the mountains.
While driving on the roads of Dehradun, 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.
Buy car insurance online in Dehradun using Coverfox by following these steps:
There are several cashless garages in Dehradun authorized by various Car Insurance Companies. Some of them are mentioned below:
| Name | Address | City | State |
|---|---|---|---|
| B M Autosales Pvt Ltd | Subhash Nagar, Saharanpur Road Mohebawala,Opp State Bank Of India | ||
| Commercial Auto (D.Dun) Pvt. Ltd. | 53, Gandhi Road, Dehra Dun | ||
| Patricia Holdings Pvt Ltd | 181 Rajpur Road, Dehradun Rajpur, Dehradun |
Follow these traffic rules in Dehradun to avoid any hindrances with insurance:
Dehradun has installed automated cameras at key pedestrian crossings to fine vehicles that do not stop for pedestrians, improving road safety in crowded areas like Rajpur Road and Parade Ground.
Strict enforcement means that drivers caught under the influence can have their licenses suspended on the spot, reducing accidents caused by alcohol.
Noise pollution is monitored through decibel meters during vehicle inspections, ensuring compliance with permissible sound limits for horns and exhaust systems.
Certain stretches such as Rajpur Road, Haridwar Road, and Chakrata Road have strict speed limits enforced via speed cameras due to higher accident rates.
Automated parking systems have been introduced in high-density areas to reduce illegal parking and traffic congestion.
Wearing helmets is mandatory for both rider and pillion passengers, with strict fines for violations, especially in busy city areas like Palika Bazaar and Clock Tower.
Overtaking is prohibited on bridges and flyovers such as the Subhash Road flyover to prevent collisions in high-traffic zones.
Large commercial vehicles are restricted from entering central Dehradun during peak hours to reduce congestion and accidents.
Areas like Paltan Bazaar and Gandhi Road have designated parking zones; illegal parking can lead to fines or vehicle towing.
Mandatory seatbelt use for drivers and front-seat passengers on all city roads.
Ans: The car insurance price varies based on various factors in Dehradun, and the price depends on the type of policy, add-ons, tenure, etc.
Ans: Simple, visit Coverfox for the best deals on a car insurance policy.
Ans: To renew your car insurance policy in Dehradun, Coverfox provides 3 minutes renewal on its platform
Ans: You should look out for policy inclusions, exclusions, add-ons, discounts, premium prices, and compare different insurers, check reviews, CSRs, etc, before buying car insurance in Dehadun from an insurer.
Ans: Third-party, Own-Damage, and Comprehensive car insurance.
Ans: Yes, add-ons like roadside assistance, personal accident cover, and zero-depreciation cover are beneficial in Dehradun.
Yes, you can transfer your car insurance policy to Dehradun if you have relocated. You need to inform your insurer about the change in your registered address and update the RTO details for Dehradun. The insurer may revise the premium based on Dehradun’s city-specific risk factors, including traffic density, flood or landslide-prone areas, and accident statistics.
To file an insurance claim, you need the original policy document, vehicle RC, driver's licence, FIR or police report (if applicable), photos of the damage or accident site, the insurer’s claim form, and repair bills or quotes from authorised garages in Dehradun.
.jpg)
