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icon Car Insurance icon Different Types Of Cars In India
  • Overview
  • Hatchback
  • SUV
  • Sedan
  • Convertible
  • Coupe
  • Wagon
  • Types of Car Insurance
  • Best Addons
  • Inclusions
  • Exclusions
  • How to Buy
  • How to Claim
  • All Manufacturers
  • Frequent Questions

Different Types of Cars in India

Buying a car is like a dream come true for many. People spend their entire life’s savings to buy the car of their choice. It is one of the major financial decisions one ever makes. Hence, it is necessary to have complete knowledge of the type of car you are purchasing. To cater to various needs of the Indian customers, manufacturers have developed different types of cars available in various styles, shapes and sizes. Whichever body type you plan to buy, make sure you pair it up with the best car insurance plans available. Here are the different body types of cars available in India

Hatchback

This is one of the most popular types of cars in India. This car type features 4 doors, 1 boot and has a small body type. Usually, this car also has a 4-5 seater capacity. In terms of fuel efficiency and mileage, hatchbacks are the best. Being a compact car, hatchbacks are perfect pick for small families and ones having fuel budget constraints.

Distinct Features: Large Space for passengers and carriage, Budget-friendly, Excellent Mileage

Top Hatchbacks in India

Maruti Suzuki Baleno:

Has a premium design and looks, huge cabin space and excellent fuel efficiency and mileage.

Maruti Suzuki Swift:

Loved for sporty look and strong performance in the segment.

Tata Tiago:

Known for its safety ratings (5 star NCAP) and different fuel options (CNG, EV, Petrol).

Hyundai i20:

One of the best sellers in the premium segment, has sleek and stylish looks and comes with optional turbo powered engines.

SUV

Known as a sports utility vehicle, SUV is another popular car type in India. This type of car can comfortably occupy 7-8 people. You can also carry large luggage and can sit comfortably due to the large boot space it features. Different SUVs are designed to operate on different terrains from highways to rugged roads.

Distinct Features: Sturdy and durable exterior, Spacious Interior, Off-Road potential, Large boot space

Top SUVs in India

Tata Punch:

Best selling compact SUV in 2024, is affordable and boasts a 5 star NCAP safety rating.

Hyundai Creta:

Mid-size SUV, has a perfect blend of comfort and performance, gives premium feel at a reasonable budget with multiple fuel options.

Kia Seltos:

First ADAS safety features in its segment, has a bold design and is tech-packed.

Mahindra XUV700:

Another feature packed SUV, XUV700 comes with multiple powertrain options and is suitable for family rides.

Mahindra Scorpio (N & Classic):

One of the strongest exterior builds, Scorpio is a 3-row seater SUV best suitable to hold many passengers (up to 7), used as a commercial and a private SUV.

MUV

Also known as Multi-Utility Vehicle, MUVs are designed for larger families. These vehicles do not possess as much off road capabilities as SUVs, but they are more suitable for longer rides. MUVs provide huge cabin space and accommodate many passengers. These vehicles are mainly used for inter-city travels and longer rides. With facilities like captain seats, climate control, and spacious cabins, it provides best comfort during travels.

Distinct Features: Extra-Large Cabin space, Comfortable long rides, Optimum for large families

Best MUVs in India

Maruti Suzuki Ertiga:

One of the most iconic MUVs in India. Excellent fuel efficiency with 7 seater comfortable MUV, comes in various powertrain options.

Toyota Innova Crysta / HyCross:

The most loved MUVs by Indians, it has petrol and a hybrid powertrain option. Innova has been the go-to option for large families and commercial tourist vehicles for decades.

Kia Carens:

Combines SUV and MUV feels. Provides 6-7 seater arrangements, with powertrain options like petrol, turbo-petrol and diesel.

Renault Triber:

Best fuel efficiency, 7-seater arrangement, and at an affordable price, best for families wanting a MUV on a budget.

Sedan

Sedans are five seater vehicles that feature four doors and a decent large foot space. These vehicles can be used to carry large luggage and are built in a three box configuration having separate compartments for cargo, engine and passengers. Ideal for comfort and luxury, Sedans provide more leg-room space than a hatchback. Sedans come at affordable prices for beginners, and also at Luxury segments for comfort and premium-end customers.

Distinct Features: Comfortable, ample amount of leg room, luxury/premium feel

Best Sedans in India

Honda City:

Premium looks and luxury feels. Honda City has been a favourite in the mid-size Sedans for ages. Has ample amount of boot space, and gives a luxurious look inside and outside.

Tata Tigor:

Stylish design and efficient performance. The CNG variant makes it an affordable option for commuters.

Hyundai Verna:

Sleek design with advanced features. Various powertrain options makes it appealing to a number of different customer bases.

Hyundai Aura:

This compact sedan has comfortable space, and multiple powertrain options including CNG, making it a good choice for commercial use, providing comfortable rides.

Convertible

As the name suggests, convertible cars mean the cars whose roofline can be converted i.e. removed and refitted as required. The cars are specially designed to offer you the freedom to enjoy the weather and keep you protected from bad weather conditions as well. These cars are expensive, and come under the luxury category of cars. They are a dream of many to own.

Distinct Features: Convertible roofline, Limited seating, Luxury interiors and looks

Top Convertibles in India

BMW Z4:

Luxurious interior with ambient lighting, dual-zone climate control, and a 10.25-inch instrument panel, makes it a feature-rich beauty. A strong 3.0 turbo-powered engine makes it go 0-100 kmph in 4.5 seconds.

Mercedes-Benz Maybach SL 680:

Sportiest Maybach ever by the brand, combines luxury and performance.

Porsche 718 Spyder:

Entry level sports convertible with a 6-speed gearbox, ensuring speeds and luxury.

Mini Cooper Convertible:

An affordable option that blends compact dimensions with go-kart-like driving feel, which is perfect for urban commuters.

Coupe

This type of car features only two doors. Coupes are not common in India as they are available in luxury models. Coupe cars usually feature smaller rear seats or two seats.

Distinct Features: Bold and Sporty look, Speedster, Compact space.

Top Coupe cars in India

BMW 2 Series Gran Coupe:

Sporty and stylish looks embedded with advanced handling.

Porsche 911:

Iconic Coupe, strong performance with timeless design, can be used for daily commutes.

Lamborghini Revuelto:

Latest Coupe by the Italian manufacturer, it has cutting-edge design and blistering performance.

Wagon

This is one of the most common car types in India, featuring a combination of both sedan and hatchback. This type of car features a large leg space which can be used to keep luggage. You can also add additional seats as and when required.

Distinct Features: Long Roofline, foldable back seats, Affordable

Top Wagon Cars in India

Maruti Suzuki Wagon R:

Probably the most common car in India, known for its spacious cabin, affordability and practicality.

Maruti Suzuki Eeco:

Robust build, often used as a commercial vehicle but is suitable for families.

Skoda Octavia Combi:

A premium wagon that combines comfort, with performance and practicality.

Audi RS6 Avant:

Premium wagon that focuses on speed and luxury.

Pickup Trucks

Pickup Trucks are best suitable for someone who is travelling with cargo and passengers. They are off-road capable, meaning they are best for country-side operations and for businesses. These cars have high ground clearance, sufficient cabin space and huge cargo space.

Distinct Features: Huge cargo space, High ground clearance, Durable

Top Pickup Trucks in India

Toyota Hilux:

Robust 2.8L diesel engine, spacious cabin and 4x4 capabilities.

Isuzu D-Max:

Durable and Reliable, mainly used in commercial activities.

Mahindra Bolero Camper:

Unique 5 seater pickup, best for businesses and personal use.

Tata Yodha:

Durable and high payload capacity (up to 2,000 kg), made for heavy-duty applications.

Types of Car Insurance

third party car insurance

Third Party

This type of car insurance provides coverage to third party life and property and does not cover the insured vehicle

comprehensive car insurance

Comprehensive

This type of car insurance provides coverage to your vehicle as well as third party and property

standalone own damage car insurance

Standalone / Own Damage

This type of insurance provides coverage for your car’s damages and losses including events caused due to man made, natural calamities, and theft.

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Boost the Protection of your Car with these Add-ons

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No Claim Bonus

No Claim Bonus

No claim bonus is retained despite making multiple claims in one policy year.
Zero Depreciation

Zero Depreciation

Depreciation on parts made up of glass, plastic, rubber, nylon, etc. is is not taken into consideration at the time of claim.
Roadside Assistance

Roadside Assistance

Also known as breakdown cover, roadside assistance cover provides you with assistance like towing service, minor repair, spare key arrangements, etc.
Personal Accident Cover

Personal Accident Cover

This type of cover provides compensation up to Rs. 15 lakh in case the owner-driver dies, becomes disable or is injured due to an accident.
Engine Protection Cover

Engine Protection Cover

Provides coverage in case of loss or damages caused to the engine due to issues such as water ingression, oil spill, etc.
Daily Allowance Cover

Daily Allowance Cover

In case the insured’s car is damaged and is being repaired at a garage, then this type of cover provides travel allowance to take care of day to day expenses
Consumable Cover

Consumable Cover

A regular car insurance policy does not provide coverage for cost of consumables such as oil, nuts and bolts, lubricants, etc. But with this type of add-on such costs are covered.
Accessories Cover

Accessories Cover

With this add-on, you get coverage for car accessories such as vacuum cleaner, anti-theft device, battery charger, fire extinguisher, etc.
Passenger Cover

Passenger Cover

In case if the passengers traveling in the car get injured then this cover provides coverage for cost of hospitalization, ambulance charges, etc.
Invoice Cover

Invoice Cover

In the event of total loss, constructive loss or theft of the car, return to invoice cover provides the car owner up to the amount mentioned in the invoice.
Key Replacement Cover

Key Replacement Cover

This add on provides coverage for expenses arising from replacing the keys of the insured car.
Loss of Personal Belonging

Loss of Personal Belongings

With Loss of personal belongings Cover, your insurer will pay for any type of damages or losses to most of your personal belongings kept in the car.
Paid Driver Cover

Paid Driver Cover

Paid Driver Cover is quite helpful when you have an employed driver as it pays for any injuries caused to your driver in case of an accident.
Tyre Damage Cover

Tyre Damage Cover

Tyre Damage Cover comes in handy and provides a great deal of assistance in case of a flat tire while you are traveling.
RIM Damage Cover

RIM Damage Cover

Any warping or damages caused to rim is covered when you have purchased the Rim Damage Cover Add-on.
Voluntary Deductible

Voluntary Deductible

A Voluntary Deductible refers to a precise portion of the claim money that the policyholder agrees to pay out of his own pocket. This makes premium cheaper.

What's Covered under Car Insurance?

Accidents
Accidents
Accidents are uncertain. In case of damages caused to car due to an accident, don’t panic as with car insurance you are covered
Theft
Theft
In case of theft of the vehicle, coverage is offered up to the insured declared value mentioned in the policy
Natural and man-made calamities
Natural and Man-made Calamities
Your car is protected against man-made and natural calamities like fire, earthquake, landslide, vandalism, terrorist attack, etc.
Personal Accident
Personal Accident
Provides coverage up to Rs. 15 lakh in case of death or disability caused to the owner-driver due to an accident.
Third party liability
Third Party Liability
Get protection against death, disability or injury caused to the third party due to your car
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What's Not Covered under Car Insurance?

Electrical breakdown
Mechanical breakdown
Normal wear and tear
Driving without valid driving license
Consequential loss of car
Driving under influence of drugs/alcohol
Using car for illegal purpose
Commercial use of private car
Depreciation of car parts
Damages due to contributory negligence
View More +

How to Buy / Renew Car Insurance Online at Coverfox?

  • 1 Enter Car Details
    Enter Car Details
    Fill in your Car registration number and other basic details
  • 2 Compare & Select Right Plan
    Compare & Select Right Plan
    Go through the shortlisted plans, their premiums and choose the best plan
  • 3 Add Additional Covers
    Add Additional Covers
    Increase the protection by attaching add-ons like Zero Dep. Engine Protection, etc.
  • 4 Make Online Payment
    Make Online Payment
    Pay premium online through a secure gateway from your credit/debit card, internet banking, wallet, etc.

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How to Claim Car Insurance?

  • Contact the insurance company within 48 hours of the accident or theft
  • File an FIR in case of third party damage or theft of the bike
  • Submit the required documents
  • The insurance company will appoint a surveyor to check on the extent of damages
  • The car will be sent to the garage for repair
  • Cashless service will be provided in case the car is being repaired at a network garage
  • In case of theft, insured declared value will be given to the policyholder after the police shares non traceable report
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Car Manufacturers in India

Here are some quick links to find out more about car insurance in detail
Ashok Leyland Car Insurance
Aston Martin Car Insurance
Audi Car Insurance
Austin Car Insurance
Bentley Car Insurance
BMW Car Insurance
Bugatti Car Insurance
Chevrolet Car Insurance
Citroen Car Insurance
Daewoo Car Insurance
Datsun Car Insurance
DC Car Insurance
Ferrari Car Insurance
Fiat Car Insurance
Force Motors Car Insurance
Ford Car Insurance
Hindustan Motors Car Insurance
Honda Car Insurance
Hyundai Car Insurance
ICML Car Insurance
Isuzu Car Insurance
Jaguar Car Insurance
Jeep Car Insurance
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Lexus Car Insurance
Mahindra Car Insurance
Maruti Suzuki Car Insurance
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MG Car Insurance
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Mini Cooper S Insurance
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Porsche Car Insurance
Premier Car Insurance
Renault Car Insurance
Rolls Royce Car Insurance
Skoda Car Insurance
Ssangyong Car Insurance
Tata Car Insurance
Toyota Car Insurance
Volkswagen Car Insurance
Volvo Car Insurance
View More +

Frequently Asked Questions

  • Q. How many different types of cars are there?

    • The car body types in India include: Hatchbacks, Sedans, SUVs, MUVs, Pick-up trucks, Covertibiles, Coupes, Wagons.

  • Q. Which body type is suited for off-road driving?

    • SUVs (Sport Utility Vehicles) are best suited for off-road driving, Pick-up Trucks generally have good off-road capabilities as well.

  • Q. Which car body type is the most luxurious?

    • Sedan and SUV body types in India are considered to be the most luxurious

  • Q. Is SUV a body type?

    • Yes, SUV is a body type

  • Q. How do you classify a car?

    • Cars are classified based on their body style (e.g., hatchback, sedan, SUV), size, number of doors, roof structure, and intended use.

  • Q. Which car body is safest?

    • SUVs are considered to be the safest body type

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