Car Insurance
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Insurance plans for your car
Every car on the road needs at least third-party cover — it's the law. Here's what each plan actually covers, in plain words.
Third-partyMandatory by law
Covers damage your car causes to other people, vehicles and property. Doesn't cover your own car.Injury / damage to third parties
Legal liability cover
Own damage not covered
Most popular
ComprehensiveRecommended for most car owners
Third-party cover plus damage to your own car — accidents, theft, fire, floods and natural calamities.Everything in third-party
Own damage, theft, fire, flood
Add-ons available
Zero depreciationBest for cars under 5 years
Comprehensive plus full claim value — no depreciation deducted on parts like bumpers, plastic and paint.Everything in comprehensive
Full part value on claims
Ideal for newer cars
Why insure your car with Spinny
Multiple insurers, one quoteICICI Lombard, HDFC ERGO, ACKO, Digit and Bajaj Allianz — compared side by side. Pick the best price, not the loudest ad.
Zero paperworkYour car number pulls everything we need from the RC. No inspection for most renewals, policy on WhatsApp and email.
Claims, handheldA Spinny advisor stays with you through the claim — from FIR to cashless garage to settlement. You never chase the insurer alone.
We knowWe've inspected and sold thousands of cars. We know real repair costs — and make sure your IDV reflects reality.
Why car insurance matters — beyond the law
Driving uninsured carries a ₹2,000 fine (₹4,000 for repeat offences) and can even mean licence suspension. But the fine is the smallest risk — a single accident can cost far more than years of premiums.
Legal protectionThird-party liability claims can run into lakhs. Insurance caps your exposure and handles the legal process.
Repair costs add up fastA Swift front bumper with sensors: ₹18,000+. A Baleno headlamp: ₹18,000. One claim often exceeds the annual premium.
Theft, floods and the unexpectedComprehensive cover pays out for stolen cars, monsoon waterlogging, falling trees, fire — things no amount of careful driving prevents.
Personal accident coverEvery policy includes ₹15 lakh personal accident cover for the owner-driver — mandatory under IRDAI rules, and worth having.
How to buy car insurance on Spinny
Four steps, about five minutes, entirely online.
1Enter your car numberWe fetch your car's make, model, variant and registration details from the RC — nothing to type.
2Compare quotesSee prices, IDV and claim-settlement ratios from 5 insurers side by side. Filter by plan type and add-ons.
3Pick add-ons & payChoose add-ons like zero-dep or engine protect, confirm your NCB, and pay securely by UPI or card.
4Policy in your inboxYour policy PDF arrives on email and WhatsApp instantly. No inspection needed for on-time renewals.
Explore add ons for car insurance
Four steps, about five minutes, entirely online.
Zero DepreciationComprehensive plus full claim value — no depreciation deducted
View PlansRoad Side AssisstanceComprehensive plus full claim value — no depreciation deducted
View PlansPersonal accident coverComprehensive plus full claim value — no depreciation deducted
View PlansEngine ProtectComprehensive plus full claim value — no depreciation deducted
View PlansInsurance for other brands
We cover every major brand on Indian roads.
Car Insurance Blogs
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Third Party vs Comprehensive: Which cover should you pick?Posted 3 days ago
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How No Claim Bonus (NCB) can lower your premiumPosted 3 days ago
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5 things to check before renewing your car insurancePosted 3 days ago
Car owners on Spinny insurance
5.0
(5.0)
AK
Ankit KhannaSwift VXI · Delhi
(5.0)
PS
Priya SharmaBaleno Zeta · Gurugram
(5.0)
RM
Rohan MathewWagonR ZXI · Bengaluru
Frequently asked questions
Still have questions? We'll call you.
Confused between plans, or unsure what your NCB is? Leave your details and a Spinny insurance advisor will call within working hours — no spam, no pressure.
Callback within 30 minutes, 9 AM – 9 PMTalk in Hindi or EnglishAdvisors are salaried, not commission-driven
By submitting, you agree to be contacted about your insurance query.
Renew your car's insurance before it lapses — quotes in 30 seconds.
Spinny facilitates motor insurance from IRDAI-licensed insurance partners. Spinny is not an insurer; policies are issued and claims are settled by the respective insurance company.
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© 2026 Spinny. Insurance is the subject matter of solicitation. Premiums shown are indicative and subject to insurer underwriting.
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