Car Insurance
Car insurance keeps you legally compliant and protects you against accidents, theft and third-party liability. We help you choose the right cover and add-ons.
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A car is a major investment, and repairs after even a minor accident can be expensive. Third-party insurance is mandatory by law, but a comprehensive policy also covers damage to your own car from accidents, theft, fire, floods and other insured events. Add-ons let you tailor the cover to your car's age and how you use it.
Complete car protection
From basic compliance to full cover with add-ons.
- Own-damage and third-party cover
- Theft, fire and natural calamity protection
- Zero-dep, engine protect and roadside assistance
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Legal compliance
Meet the Motor Vehicles Act requirement for third-party cover.
Accident repairs
Own-damage cover pays for repairs at network garages.
Theft protection
Compensation up to the IDV if your car is stolen.
Useful add-ons
Zero depreciation, consumables, key replacement and more.
Simple, transparent, personal
We listen first and understand completely before suggesting anything.
- 1Understand your goals, family situation, time horizon and comfort with risk
- 2Shortlist relevant options as incidental advice and explain them in plain language - costs, risks and all
- 3Take care of KYC, forms and documentation so getting started is hassle-free
- 4Review regularly and stay a phone call away whenever life changes
Frequently asked questions
Quick answers about car insurance. Still have a question? We're happy to help.
Is car insurance mandatory?
Yes. At least third-party insurance is legally required to drive on Indian roads. Comprehensive cover is optional but protects your own car too.
What is the difference between third-party and comprehensive cover?
Third-party covers your liability for injury or damage to others. Comprehensive adds cover for damage to or theft of your own car.
What is zero-depreciation cover?
An add-on under which the insurer pays the full cost of replaced parts without deducting depreciation, subject to policy terms. It's popular for new cars.
How is the premium decided?
It depends on the car's make, model, age, city, IDV, cover type, add-ons chosen and your No Claim Bonus.
Can I transfer my No Claim Bonus to a new car?
Yes. The NCB belongs to the policyholder and can be transferred to a new vehicle of the same class within the permitted time.
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Life insurance ensures your family is financially protected if you're not around. Choose from pure protection plans or plans that combine cover with savings.
All our products
Insurance is the subject matter of solicitation. Please read the policy wording, terms, conditions, sales brochure and exclusions carefully before concluding a sale. Fortunate Investments acts only as a distributor and does not underwrite any risk.
Need help choosing the right option?
Talk to us - we'll understand your needs and explain your options in plain language.