There are two types of insurance available for automobile owners—comprehensive and third party. Comprehensive insurance covers risk arising out of theft or damage to the vehicle, death of the driver and/or passengers in the vehicle, and damage caused by the vehicle to other people or property. Third-party insurance covers only damage caused by the vehicle to other people or property. Liability in the case of death or injury is unlimited. Third party insurance is mandatory in India.

Both these types of policies are valid for a year, and renewable. Most cars come out of the showroom with a third party insurance policy arranged by the dealer. Make sure a copy of it is always in the glove box of your car.

Car insurance in India is not expensive. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle. You can also try this online engine to get an instant quote on the kind of insurance you can get and much it will cost: http://www.getmeinsure.com/auto-car-insurance-apply-india/index.php.

Some companies that offer insurance in Delhi are:

Maruti Insurance
Kasturba Gandhi Marg, New Delhi
Phone: 99999-99787
E-mail: mi.helpdesk@maruti.co.in
Website: http://www.marutiinsurance.com

The Oriental Insurance Company Limited
Oriental House
A-25/27, Asaf Ali Road, New Delhi – 110 002
Phone: 23279221
E-mail: motorinsurance@orientalinsurance.co.in
Website: http://www.orientalinsurance.org.in

ICICI Lombard Motor Insurance (various locations) http://www.carinsurance-icicilombard.com

IFFCO-TOKIO Private Car Insurance (various locations) http://www.itgi.co.in

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