Car Insurance in Gurugram

Located in the Southwest of New Delhi, Gurugram (Previously known as Gurgaon) is known as the technology and financial hub. This lively city is home to some of the most reputable IT companies in India. There are a number of tourist attractions in the city like the Kingdom of Dreams, Cyber Hub, Damdama Lake, Sultanpur Bird Sanctuary, Fun n Food Village, Farukh Nagar Fort, Mata Sheela Devi Temple, Manesar, Leisure Valley Park, and Aravalli Biodiversity Park.

In April 2025, Gurugram (formerly Gurgaon) had 7,715 registered motor vehicles. This number represents an increase from the 6,576 vehicles registered in March 2025 (CEIC). Car insurance is an essential document that you would require for driving the car on public roads of Gurugram as per the Motor Vehicle Act 1988. It also serves as a financial safety net for the insured. Let us understand four wheeler insurance in Gurugram.

Here are some traffic insights of Gurugram:

• Road Accidents and Fatalities in Gurugram (2023 vs 2022)

  In 2023, Gurugram recorded 1,172 road accidents resulting in 448 fatalities, compared to 1,019 accidents and 494 deaths in 2022 — a rise in accidents but a 13% reduction in deaths. (Traffic Logix, working with the traffic department of Gurugram).

• Lane-Discipline Violations Surge in Early 2025

  Between January–June 2025, 23,777 lane-discipline violations were issued.

• Record Number of Challans and Fines Collected in 2024

  In 2024, Gurugram Traffic Police issued 1.37 million challans, collecting ₹15–23 crore in fines. Leading offences included wrong-side driving, helmet violations, drunk driving, speeding, lane jumping, and mobile use while driving (Haryana RTO).

• Smart Surveillance with 1600+ CCTV Cameras

  Gurugram Metropolitan Development Authority partnered with GMDA, private partners, and police to install 1600+ CCTV cameras with ANPR, speeding, and helmet detection systems.

• Traffic Congestion Hotspots Across Gurugram

  Major traffic congestion hotspots include the Delhi-Gurugram Expressway, especially near the Sirhaul border and Rajiv Chowk, and stretches along Sohna Road, Old Delhi Road, and the Delhi-Jaipur Highway.

• Registered Vehicle Count Reaches 3.5 Million

  As of February 2025, the total number of registered motor vehicles in Gurugram (RTA Gurugram, HR26, HR55, HR72 codes) was approximately 3,502,000 units (35.02 lakh). (CEIC).

• High-Risk Stretch: Delhi–Gurgaon Expressway Accident Study (2025)

  Delhi-Gurgaon Expressway (Jan - Sep 2025): A study conducted on this high-risk stretch between January and September 2025 reported over 165 accidents, resulting in more than 80 deaths and 125 injuries.

• Rear-End Collisions Double on NH-8

  Fatal Accidents Rising on NH-8: Rear-end collisions on the Delhi–Gurugram Expressway (NH-8) have doubled in a year, becoming one of the leading causes of fatal crashes, with 99 deaths reported in 2024.

• Massive CCTV Expansion for Adaptive Traffic Control

  The Gurugram Metropolitan Development Authority (GMDA) has approved the installation of 2,722 advanced CCTV cameras with adaptive traffic management and automatic number plate recognition (ANPR) to monitor speed, helmet use, and lane discipline.

• Google Maps Integration for Safer Driving

  Gurugram Traffic Police have partnered with Google to display speed limits on 129 major roads, helping drivers maintain safe speeds and reduce violations. (Social Media of Gurugram Traffic Police).

• Fines Cross ₹36 Crore Mark in 2025

  Between January and June 2025, Gurugram traffic police collected over ₹36 crore in fines, indicating stricter enforcement and higher detection through digital monitoring.

• Tech-Driven Enforcement with ANPR Systems

  Gurugram Police have deployed ANPR-equipped cameras across key junctions to detect overspeeding and red-light violations, directly linking to the growing number of challans and reduced manual policing.

• Lane Violations Continue to Dominate Offence Charts

  From January to June 2025, 23,777 motorists were fined for lane-discipline violations — making it one of the top causes of accidents and a major focus area for enforcement.

You can buy 3 types of car insurance online in Gurugram:

• Third-Party Car Insurance

  Third-party car insurance policy in Gurugram is mandatory by law as per the Motor Vehicle Act 1988. It covers any liabilities that resulted from an accident caused by the policyholder’s car. It covers third-party individual and property damage.

• Comprehensive Car Insurance

  A comprehensive car insurance policy in Gurugram 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.

• Stand-Alone Car Insurance

  Own Damage Car Insurance policy in Gurugram will only cover the policyholder’s vehicle’s damages. Third-party damages are excluded from 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.

Common inclusions and exclusions of car insurance in Gurugram are:

Inclusions of a car insurance policy in Gurugram

• Covers accidental damage to your car in Gurugram, including collisions and overturning incidents.


• Provides financial protection against floods, storms, and other natural disasters common in Gurugram.


• Damages caused to your car due to a riot, fire or explosion in Gurugram.


• Includes coverage for theft or total loss of the insured vehicle within Gurugram city limits.


• Offers third-party liability protection for accidents involving other vehicles or property in Gurugram.


• Personal accident cover for the owner-driver in case of injury or death while driving in Gurugram.


• Optional add-ons like zero depreciation and roadside assistance enhance car protection in Gurugram.

Exclusions of a car insurance policy in Gurugram

• Claims are not covered if the driver in Gurugram is found driving without a valid licence or under the influence.


• Mechanical or electrical failures unrelated to accidents in Gurugram are not included.


• Damage caused by reckless or negligent driving on Gurugram’s roads is excluded.


• No coverage for accidents occurring outside India, even if the vehicle is registered in Gurugram.


• Use of the car for commercial purposes without proper endorsement in Gurugram voids the claim.


• Losses from war, civil unrest, or nuclear risks in Gurugram are not covered under the policy.

Buy online car insurance in Gurugram from Coverfox by:

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 and variant


6. Add Gurugram RTO registration details of your car


7. Choose your variant


8. Click on “Get Quotes”


9. Compare prices and select appropriate Add-ons


10. Make an online payment through a secure gateway


11. Your policy will be emailed to you after verification.

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

Following traffic rules in Gurugram will lead to no fines and no legal trouble. More importantly, it will not hinder insurance claims:

• Follow all traffic rules and regulations on the road to avoid fines.


• Carry all necessary documents with you (Insurance, Licence, RC, PUC).


• Do not 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 rashly drive.