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Trusted insurance guidance

Car insurance,
minus the hassle.

Tell us about your car and our insurance experts will find you the best quotes from top insurers — comprehensive, third-party and add-ons explained in plain language.

  • Quotes compared across top insurers
  • Zero paperwork — we guide you end to end
  • Free renewal reminders so you never lapse
  • Claim assistance when you need it most

Get your free quote

Takes under a minute. No spam, ever.

By continuing you agree to be contacted by our insurance experts.

Top Insurersquotes compared for you
< 1 minto request a quote
100% Freeadvice & comparison
24x7claim assistance support

Compare plans in detail

Exactly what each plan pays for — no fine print surprises.

Coverage Third-Party Comprehensive Zero Depreciation
Injury/death of a third person (unlimited)✓✓✓
Third-party property damage (up to ₹7.5 lakh)✓✓✓
Personal Accident cover ₹15 lakh (owner-driver)✓✓✓
Accident damage to your own car✕✓✓
Theft of your car✕✓✓
Fire, flood, storm, earthquake✕✓✓
Riots, vandalism, terrorism✕✓✓
Full part value on claims (no depreciation cut)✕✕✓
Engine protect, RSA, consumables & other add-ons✕ADD-ONADD-ON
No Claim Bonus discount (up to 50%)✕✓✓
Wear & tear / mechanical breakdown✕✕✕
Drunk driving / driving without licence✕✕✕

Add-ons worth knowing

Riders you can attach to a Comprehensive policy. Our expert tells you which ones actually make sense for your car — and which to skip.

Zero Depreciation

Full part value on claims, no depreciation cut. A must for cars under 5 years.

Engine Protect

Covers engine damage from waterlogging & oil leaks — essential in flood-prone cities.

Roadside Assistance

24x7 towing, battery jumpstart, flat tyre and fuel delivery, anywhere.

NCB Protect

Keeps your No Claim Bonus intact even after 1–2 claims in a year.

Return to Invoice

On total loss or theft, you get the full invoice price — not just depreciated IDV.

Consumables Cover

Pays for engine oil, coolant, nuts & bolts used during a claim repair.

Key Replacement

Lost or stolen smart keys replaced — modern keys can cost ₹15,000+.

Passenger Cover

Personal accident cover for everyone travelling in the car, not just the driver.

Why insure through CRECKK?

Everything you love about your car, protected — without the jargon, pushy calls or paperwork.

Best-price quotes

We compare plans from India's top insurers and negotiate the right IDV — so you never overpay.

NCB protected

Your No Claim Bonus (up to 50% off) travels with you. We make sure it's carried to your new policy.

Never lapse again

Free reminders at 30, 15 and 7 days before expiry. A lapsed policy means inspection hassles and lost NCB.

Claim assistance

Accident or damage? Our team helps you file the claim and follows up with the insurer for you.

How it works

Three simple steps between you and a fully covered car.

1

Tell us about your car

Enter your car number and a few details — it takes less than a minute.

2

Get the best quotes

Our insurance expert calls you with compared quotes from top insurers, explained simply.

3

Drive fully covered

Pick the plan you like. Policy lands in your inbox — plus free renewal reminders from us.

Know before you buy

The terms, numbers and rules that actually decide what you pay and what you get.

No Claim Bonus (NCB) slabs

Every claim-free year cuts your own-damage premium. It's YOUR discount — it transfers when you switch insurer or car.

Claim-free yearsDiscount
1 year20%
2 years25%
3 years35%
4 years45%
5+ years50%

IDV — your car's insured value

IDV is the maximum the insurer pays on theft or total loss. It's the showroom price minus age-based depreciation:

Car's ageDepreciation
Under 6 months5%
6 months – 1 year15%
1 – 2 years20%
2 – 3 years30%
3 – 4 years40%
4 – 5 years50%

A lower IDV means cheaper premium but a smaller payout — don't just chase the cheapest quote.

What no policy ever covers

  • Driving under the influence of alcohol or drugs
  • Driving without a valid licence
  • Using a private car for commercial purposes
  • Normal wear & tear and mechanical/electrical breakdown
  • Damage outside India, war or nuclear risk
  • Consequential damage (e.g. driving a flooded car and wrecking the engine)

How a claim works

  1. Inform the insurer (and us) immediately — most insurers expect notice within 24–48 hours
  2. File an FIR for theft or third-party injury cases
  3. A surveyor inspects, or drive straight to a cashless network garage
  4. Repair happens; insurer settles the bill minus deductible and non-covered items

Documents: policy copy, RC, driving licence, filled claim form, photos of damage, FIR (if applicable).

Other terms & conditions that matter

  • Compulsory deductible: ₹1,000 (cars up to 1500cc) or ₹2,000 (above 1500cc) is paid by you on every claim; opting for a higher voluntary deductible lowers your premium.
  • Break-in / expired policy: renewing after expiry may require vehicle inspection; a gap of 90+ days permanently wipes your NCB.
  • Long-term third-party: new cars must buy 3-year third-party cover upfront (Supreme Court mandate).
  • Free-look period: you can cancel a new policy within the free-look window (15–30 days) for a refund as per IRDAI rules.
  • Grievances: unresolved complaints go to the insurer's grievance cell, then IRDAI's Bima Bharosa portal, then the Insurance Ombudsman — all free of cost.

Frequently asked questions

Short answers to the things everyone asks.

Is car insurance mandatory in India?

Yes. Third-party insurance is required by law under the Motor Vehicles Act — driving without it can mean a fine or worse. Comprehensive cover (which also protects your own car) is optional but strongly recommended.

What is IDV and why does it matter?

IDV (Insured Declared Value) is the maximum amount the insurer pays if your car is stolen or totaled. A too-low IDV means less payout; too high means extra premium. We help you set it right.

What is No Claim Bonus (NCB)?

For every claim-free year you earn a discount on your next premium — from 20% up to 50%. It belongs to you, not the insurer, and transfers when you switch companies. We make sure it's never lost.

My policy already expired. Can I still renew?

Yes, but don't wait — after expiry the insurer may require a vehicle inspection, and a gap of 90+ days wipes out your NCB. Request a quote now and we'll fast-track it.

Does this cost me anything?

No. Getting quotes, advice and renewal reminders through us is completely free. You pay only the policy premium, directly to the insurer you choose.

How does claim assistance work?

If you have an accident or damage, contact us — our team helps you document it, file the claim with your insurer and follows up until it's settled.

CRECKK is not an insurer or insurance intermediary. We collect your request and connect you with licensed insurance experts/partners who provide quotes and issue policies. Premium payments are always made directly to the insurer.