Car Insurance in Gurgaon

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:

• 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).


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


• 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).


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


• 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.

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

• Third-Party Car Insurance

Third-party car insurance policy 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 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 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.

Insurance premium in Gurugram is affected by the following factors:

• Details of the Car

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

• Location

In Gurugram, the price of the insurance policy will be affected depending on the area where the owner is residing.

• Driver’s Record

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

• Details of the Policy

The type of car insurance policy, tenure, deductibles, and 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 Gurugram.

The benefits of buying four-wheeler insurance in Gurugram are:

Common inclusions and exclusions of car insurance in Gurugram are:

Inclusions of a car insurance policy in Gurugram

• Damage and loss caused due to accidents or collisions.


• Coverage against losses incurred when your car is stolen.


• Loss or damage caused due to an accidental fire.


• Damage and loss occurred due to natural calamities like floods, earthquakes, etc.


• A compensation of about Rs. 15 lakhs in case the accident leads to death or disability of the owner.


• Your insurer compensates for property damages and injuries caused by your car.

Exclusions of a car insurance policy in Gurugram

• 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 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


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.

To claim damages in Gurugram against a car insurance policy online, follow these steps:

1. Inform the insurer about the incident involving the claim.


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


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


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


5. 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 Gurugram

These are the required documents to file a claim in Gurugram 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).

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

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

• 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.

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.