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Built different.
Because insurance should be.
Compare 40+ plans
in under 60 seconds.
Side-by-side premium, IDV, cashless garages and claim settlement ratio — all on one screen. No switching tabs, no confusion.
Save up to 85%
Our price engine guarantees the lowest available premium every time.
Instant Policy Issuance
Pay securely, get your policy PDF on email and WhatsApp in seconds. No waiting, no branches.
Three steps.
Five minutes.
From zero to fully insured faster than ordering pizza.
Enter Vehicle Number
Type your reg number — we auto-pull all details from the VAHAN database instantly.
Compare Quotes
40+ plans, filtered by premium, IDV and claim ratio. The best option rises to the top.
Buy & Get Covered
Pay securely. Policy lands in your inbox in seconds. Zero paperwork, ever.
End-to-end benefits.
Built for you.
PolicyX.com offers motor insurance solutions with genuine end-to-end protection — from instant comparison to hassle-free claims.
Instant Online Insurance
Buy or renew your motor policy in minutes. Policy documents delivered instantly to your email.
Zero Paperwork
Just provide your vehicle number and location — we handle the rest digitally, no printing needed.
Quick Comparison Across 40+ Plans
Compare premiums, IDV, cashless garages and claim ratios side-by-side in under 60 seconds.
Exclusive Discounts & Multi-Vehicle Benefits
Save up to 85% with our exclusive partner discounts, NCB benefits and multi-vehicle offers.
Every kind of cover,
one place.
Comprehensive
360° cover — own damage, third party, theft and natural disasters. Best value for most drivers.
Third Party
Legally mandatory. Covers injury or damage to third parties. Starts from ₹2,094/year.
Own Damage Cover
Covers your vehicle from accidents, fire, theft and calamities — standalone or bundled.
Zero Depreciation
Full claim on parts without depreciation cuts. Essential for cars under 5 years old.
Roadside Assistance
Towing, fuel delivery, flat tyre, emergency help — 24x7, anywhere in India.
Engine Protection
Covers engine and gearbox damage from water ingression, oil leakage and more.
See the difference
at a glance.
| Feature | Third Party | ComprehensivePopular | Zero Dep Add-on |
|---|---|---|---|
Annual Premium |
₹2,094 – ₹7,897 | ₹5,200 – ₹18,000 | ₹6,500 – ₹22,000 |
Own Damage Cover |
|||
Third Party Liability |
|||
Zero Depreciation |
|||
Cashless Garages |
— | 10,000+ | 10,000+ |
Claim Settlement Ratio |
95%+ | 98%+ | 98%+ |
Natural Disaster Cover |
|||
Personal Accident Cover |
|||
Roadside Assistance |
Optional add-on | ||
| *Premiums vary by vehicle, city & profile |
Numbers that matter.
People love it.
"Saved ₹4,200 on my Hyundai Creta renewal. Comparison was crystal clear and I could see exactly what each plan covers. Done in 3 minutes."
"My car was in an accident at 11 PM. PolicyX had a tow truck at my location in 45 minutes and handled everything. Zero paperwork from my end."
"First time buying insurance online. The PolicyX advisor explained everything patiently. Comprehensive cover at ₹6,500 — best money I spent."
"Zero depreciation saved me ₹38,000 on a bumper replacement. Worth every single rupee. Will never buy insurance any other way."
"Compared 12 plans in one shot. Premium, IDV, cashless garages all on one screen. Renewed my Nexon EV policy in 2 minutes flat."
"The add-on recommendation was spot on. Got Engine Cover and Zero Dep together — saved a lot during monsoon flooding. Brilliant service!"
Complete Shield
For Your Car.
Customize your comprehensive policy with add-ons that fill the gaps standard insurance misses — only pay for what you need.
use PolicyX add-ons
Zero Depreciation
Get the full claim amount with zero deduction for depreciation on replaced parts. Must-have for cars under 5 years old.
Learn moreNCB Protection
Raise a claim and still keep your No-Claim Bonus intact. Protects the discount you've earned over claim-free years.
Learn moreEngine Cover
Covers financial reimbursement for accidental damage to the engine, gearbox, and internal components — including water ingression.
Learn moreReturn to Invoice
In case of total loss or theft, get back the full on-road invoice value of your car — not just the depreciated IDV.
Learn morePersonal Accident Cover
₹15 lakh cover against permanent disability or death of the owner-driver. Required by law alongside third-party insurance.
Learn moreConsumables Cover
Covers replacement cost of engine oil, grease, nuts, bolts, and filters during repairs — expenses excluded from standard policies.
Learn moreMotor Insurance
Explained Simply.
Everything you need,
in one place.
Whether you're buying for the first time, renewing your policy, or filing a claim — we guide you through every step.
Enter your vehicle registration number and get live quotes from 15+ insurers side-by-side. Compare premium, IDV, cashless garages, and add-ons in seconds.
Provide your vehicle make, model, registration year, and basic personal details. No paperwork — it takes under 2 minutes.
Choose between Third-Party, Own Damage, or Comprehensive. Customize with add-ons like Zero Depreciation, NCB Protection, or Engine Cover.
Pay via UPI, Net Banking, Credit/Debit card, or EMI. All transactions are 256-bit SSL encrypted. Zero hidden charges.
Your policy document is emailed and available in your PolicyX dashboard within minutes. Your vehicle is covered from day one.
Buy Motor Insurance Online
Get a comprehensive policy in under 5 minutes. No agent, no paperwork, no spam calls.
Simply enter your vehicle registration number. We automatically fetch your existing policy details and previous insurer information.
See your renewal quote alongside fresh quotes from 15+ insurers. Switching is seamless — your NCB transfers automatically.
Add or remove add-ons based on your current needs. Upgrade to Zero Depreciation, add Roadside Assistance, or remove what you no longer need.
Complete payment via UPI, card, or net banking. Your renewed policy is live immediately — zero gap in coverage.
Renew in Under 2 Minutes
Expired or about to expire? Renew online and stay protected — even if your policy lapsed up to 90 days ago.
Call our 24x7 helpline or use the app right after an accident or incident. Don't move the vehicle until a surveyor arrives if the damage is significant.
Log in to your PolicyX dashboard, click "Register a Claim", select the incident type, and upload photos of the damage. Our team takes it from there.
An insurer-assigned surveyor will assess the damage. For cashless claims at network garages, approval typically happens within a few hours.
For cashless: your car is repaired at the network garage at zero upfront cost. For reimbursement: we track your claim until the amount is credited to your account.
Hassle-Free Claim Assistance
We file the claim on your behalf and track it end-to-end. No follow-ups, no stress — just results.
Got questions?
Our team is on standby 24x7 for anything not covered below.
Third party covers only legal liabilities to others — it is the legal minimum. Comprehensive additionally covers own damage from accidents, theft, natural disasters and fire. Recommended for vehicles under 10 years old.
Yes. If expired under 90 days, renewal is completely online. Beyond 90 days, a vehicle inspection may be required and your NCB may reset.
IDV (Insured Declared Value) is the max payout for total loss or theft — based on your car current market value minus depreciation. Higher IDV = better cover and higher premium. Set it close to real market value.
Yes. PolicyX is an IRDAI-approved insurance broker (Licence CB-068/04), 15+ years old, with 10M+ satisfied customers. All transactions are 256-bit SSL encrypted. We never sell your data.
NCB is a discount on own damage premium for each claim-free year — from 20% after year 1 up to 50% after year 5. On a 10,000 rupee premium that is 5,000 rupees off. It is fully transferable when you switch insurers.
The best motor insurance
quote is one tap away.
Join 10 million+ Indians who have already saved. It takes 2 minutes and costs nothing.
