Car Insurance in Dehradun

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. 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.

• In the year 2020, there were 246 road accidents recorded by the traffic police of Dehradun (Source), which rose to 470 in 2024.


• Out of these, the fatality count for 2020 was 115, which rose to 185 in 2024.


• Registered vehicles surged from ~70,000 in 2004–05 to over 1 million by 2025, marking a 15-fold increase in two decades.


• With 286,219 cars, private car ownership makes up about 27% of all registered vehicles in the city.


• 2023 Uttarakhand MV Act fines (traffic directorate): ₹37 crore collected from 669,000 challans (up from ₹34.2 crore & 587,000 challans in 2022).

There are three types of car insurance available online in Dehradun:

1. Third-Party Car Insurance

Third-party 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 Car Insurance

A comprehensive car insurance policy 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.

3. Stand-Alone Car Insurance

Own Damage Car 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.

The following factors affect the car insurance premium in Dehradun:

• Car Details

The price, age, model, and variant of the car have a major effect on the premium calculation of car insurance in Dehradun.

• Location

In Dehradun, if the car owner resides in a less traffic-dense area or a high-risk accident area, it also influences the price of premium of the car insurance.

• Driver’s Record

The driver’s background also affects the premium price of the car insurance in Dehradun.

• Policy Details

The type of car insurance policy, tenure, deductibles, add-ons selected directly affect the price of the car insurance policy.

• Discounts

NCB bonuses, festive offers and direct discounts also affect the premium rate of the car insurance policy in Dehradun.

There are several cashless garages in Dehradun authorized by various Car Insurance Companies. Some of them are mentioned below:

You should buy car insurance online in Dehradun because:

1. Legal Requirement

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

2. Theft Risk

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.

3. Natural Calamities

Dehradun has experienced a variety of natural calamities, including earthquakes, floods, heavy rains, and landslides. 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.

4. Saves Money

A car insurance policy will help you save money by providing financial support during times of need, as per the car insurance policy.

5. Peace of Mind

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.

Here are a few common inclusions and exclusions of a car insurance policy in Dehradun:

Inclusions of a car insurance policy in Dehradun

• 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 floods, earthquakes, 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.

Exclusions of car insurance policy in Dehradun

• Damage/loss caused due to war or similar conditions


• Damage occurred while driving under the influence of alcohol


• Damage that arises when driving without a valid driver’s license


• Damage occurred when the insurance policy was not active


• Regular wear & tear


• Regular servicing expense

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

1. Visit the 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 a secure gateway


10. Your policy will be emailed to you after verification

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

1. Inform the insurer

Inform the insurer about the incident involving the claim

2. Lodge an FIR (If required)

File an FIR at the nearest police station in Dehradun if required (In case of major accidents or thefts).

3. Fill the claims form

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

4. Repair the car at a Network Garage (Cashless Claim)

Visit the nearest network garage in Dehradun of your insurer, and get your car fixed there. Payment will be settled by the insurer directly.

5. 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 for the amount as per the policy.

Documents Required for Filing a Car Insurance Claim in Dehradun</h2>

Submit these required documents to file a claim in Dehradun 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).

Follow these tips for choosing the best car insurance policy in Dehradun:

• Compare different insurers online through Coverfox


• Check the coverage scope of the car insurance policy


• Evaluate the inclusions and exclusions of the insurance policy


• Choose only the required add-ons


• Check the availability of NCBs for discounts


• Check the network garages of the insurer


• Ensure you buy car insurance through Coverfox for the best deals and excellent support.

Follow these traffic rules in Dehradun 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 the influence


• Do not give the car to someone who is not legally allowed to drive


• Do not carry expired car insurance; renew it at the earliest


• Don’t drive rashly.