Your car insurance shouldn’t be a rushed, once-a-year formality. At NFC LIC, we help you choose coverage that actually protects you — not just the policy with the lowest premium — so you’re not caught underinsured when it matters most.
Get a Free Car Insurance Quote · Call/WhatsApp: 8800290020
Why Get Your Car Insurance Through NFC LIC?
- Unbiased comparisons — we compare plans across insurers, not just push one company’s product
- Right-sized coverage — we help you avoid both overpaying for cover you don’t need and underinsuring your vehicle
- Renewal reminders — never accidentally let your policy lapse
- Claims support — guidance when you actually need to file a claim, not just at renewal time
- One advisor for everything — bundle your car insurance conversation with your life insurance and financial planning, all through one trusted local advisor
Types of Car Insurance We Help You Compare
Third-Party Car Insurance
The legally mandatory minimum in India. Covers damage or injury you cause to another person, vehicle, or property. Doesn’t cover your own car’s damage.
Comprehensive Car Insurance
Covers third-party liability plus damage to your own vehicle from accidents, theft, fire, natural disasters, and vandalism. Recommended for most car owners, especially newer or higher-value vehicles.
Own Damage (OD) Cover
Protects your own vehicle specifically — often paired with a third-party policy for a customized, sometimes more cost-effective combination.
Useful Add-On Covers to Consider
- Zero Depreciation Cover — get full claim value without depreciation deductions on parts
- Engine Protection Cover — important if you drive through flood-prone or waterlogged areas
- Roadside Assistance — towing, battery jump-start, and flat tyre help, 24/7
- No Claim Bonus (NCB) Protection — keep your accumulated discount even after a claim
- Return to Invoice Cover — get the full invoice value (not just depreciated value) if your car is stolen or totaled
We’ll walk you through which add-ons actually make sense for your car, driving pattern, and city — rather than upselling every option available.
How to Choose the Right Car Insurance Plan
- Assess your vehicle’s age and value — older cars may not need comprehensive cover; newer ones almost always should have it
- Check your Insured Declared Value (IDV) — this determines your claim payout and premium; too low an IDV can leave you underinsured
- Review the insurer’s claim settlement ratio — a lower premium isn’t worth it if claims are hard to get approved
- Match add-ons to your actual risk — flood-prone area, long daily commute, or a high-value car each call for different add-ons
- Time your renewal — renewing before expiry protects your No Claim Bonus and avoids a lapse in cover
Frequently Asked Questions
Is third-party car insurance enough, or do I need comprehensive cover?
Third-party cover meets the legal minimum but won’t pay for damage to your own car. For most owners — especially with a car under 5-7 years old — comprehensive cover is worth the extra premium for the protection it adds.
Can I switch insurers at renewal without losing my No Claim Bonus?
Yes. Your NCB is tied to your claim history, not your insurer, and can be transferred when you switch — as long as you have the NCB certificate from your previous insurer.
What happens if I let my car insurance lapse?
Beyond being illegal to drive without at least third-party cover, a lapsed policy usually means you lose your No Claim Bonus and may face a fresh inspection requirement before a new policy is issued.
Does my car insurance cover cover natural disasters like floods?
Only comprehensive policies cover this, and typically only with an Engine Protection add-on for water damage specifically — check your policy wording carefully.
Get Your Car Insured the Right Way
Whether you’re insuring a new car, renewing an existing policy, or reviewing your cover after a few years, we’re here to help you make sense of the options.
Get a Free Quote· Call/WhatsApp: 8800290020
