Car & bike protection with quick claim settlement
Comprehensive cover, zero-depreciation add-ons, roadside assistance and cashless garages across India.
Overview
Why choose PolicyFacts for vehicle insurance?
A dent, a flooded engine or a stolen bike shouldn't turn into a month of garage negotiations. We pair mandatory third-party cover with the right own-damage add-ons — zero-dep, engine protect, RTI — so the payout matches what repairs actually cost in 2026.
- Zero-dep, engine protect & return-to-invoice add-ons
- 5,000+ cashless garages nationwide
- Instant policy issuance & 60-second renewals
- 24×7 claim intimation with doorstep pickup
What's covered
Every detail that matters, handled.
Features we insist on before recommending any vehicle insurance plan.
Comprehensive cover
Own damage + third-party + personal accident, all in one policy.
Zero depreciation
Full claim value on plastic, rubber and fiber parts — no depreciation cuts.
Engine & gearbox protect
Waterlogging, oil leakage and consequential damage — normally excluded, we include.
24×7 roadside help
Flat tyre, dead battery, towing up to 100 km, key-lockout — one call away.
Return to invoice
In total loss or theft, get the full on-road price back, not a depreciated market value.
NCB protection
Keep your no-claim bonus even after 2 claims in a policy year.
Plans
Three tiers, one honest recommendation.
Indicative pricing. Actual quotes depend on age, city and profile — we'll walk you through it in a 15-minute call.
Third-Party
Legal minimum only.
from ₹2,094 /yr
- Third-party liability
- Personal accident ₹15 L
- Instant digital policy
- Not recommended for cars > 3 yrs
Comprehensive+
Most-picked hatchback plan.
from ₹6,999 /yr
- Own damage + TP
- Zero-dep add-on
- Roadside assistance
- 5000+ cashless garages
Bumper-to-Bumper
For SUVs & luxury cars.
from ₹14,999 /yr
- All add-ons included
- Engine + RTI + consumables
- Key & tyre protect
- Concierge claim manager
The process
From quote to claim, in four steps.
No hidden calls, no pushy sales. A calm, senior advisor walks you through every stage.
Vehicle details
RC, make, model, variant and current NCB — 60 seconds on WhatsApp.
Choose add-ons
We recommend the 2–3 add-ons that actually pay back for your car type.
Instant policy
PDF policy on email in under 5 minutes; hard copy on request.
Claim in 3 steps
Call us → doorstep pickup → cashless repair. You get status updates on WhatsApp.
Common questions
Answers before you have to ask.
Still have questions? A senior advisor will call you back within the hour, on your preferred number.
Request a callbackDo I really need zero-depreciation?
For cars under 5 years old, yes — insurers deduct 30–50% depreciation on plastic and rubber parts without it. It typically adds ₹1,500–3,000 to the premium and saves 5–10× that in one claim.
How is IDV decided?
Insured Declared Value = market value of your car today. A lower IDV means lower premium but also lower claim payout in theft or total loss. We recommend keeping IDV within 5% of fair market value.
What if I miss the renewal date?
You lose no-claim bonus after 90 days and the car must be re-inspected. We send reminders 45, 15 and 3 days before due date to make sure that never happens.
Are natural calamities covered?
Yes — floods, cyclones and landslides are covered under comprehensive plans. Engine damage from waterlogging needs the engine-protect add-on.
Ready when you are
Not sure which policy is right for you?
Book a 15-minute call with a certified advisor. No sales pitch — just a clear plan and honest numbers, in plain English.