Every car on Indian roads must have at least third-party insurance, but that only covers damage you cause to others — not your own car.
The simple rule
If your car is new or valuable, comprehensive cover (which includes own-damage, theft, fire and natural calamity) is almost always worth it. For an old car of low value, third-party may be enough.
Add-ons like zero-depreciation, engine protect and roadside assistance can make a big difference at claim time. We compare 14+ insurers so you get the right cover at the lowest premium.