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Health insurance just got 18% cheaper – no GST applicable!
  • Extensive protection for your vehicle
  • Add-on covers for extra protection
 

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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

What is car insurance?

Car insurance is a motor insurance policy that provides a financial cushion if your car suffers damages/losses due to accidents, theft or other vehicle-related incidents. All car owners, whether male or female, need to have a valid third-party car insurance policy to drive legally in India. Besides this mandatory insurance, drivers can opt for an own damage policy that protects their vehicle against natural or man-made calamities. For women drivers, choosing the right car insurance ensures peace of mind every time you drive.

Features of car insurance for women

Car insurance has various features that make it a must-have. These include:

Robust protection

Car insurance offers financial compensation against natural and man-made calamities such as fire, explosion, theft, accident by external means, etc.

Personal accident cover

Car insurance also has an in-built personal accident cover. This cover offers compensation if you suffer an injury while driving, mounting or dismounting from your vehicle.

Third-party legal liability

Car insurance also covers third-party legal liabilities. This liability arises in case your car causes any damage to a third party.

Add-on covers

Car insurance also offers various add-on covers. These include zero depreciation, return to invoice, roadside assistance, etc. You can choose the one that best meets your requirements.

Benefits of car insurance for women

Car insurance for women brings several benefits to the table. Some of the prominent advantages you get with this insurance are:

1

Reduced expenses

Repairing a damaged car can be expensive. It can run into several thousands of rupees. Car insurance helps you meet such expenses without burning a hole in your pocket.

2

Prompt service

Insurers have network garages where you can take your damaged car for repair. You get a cashless facility at these garages that promptly fix your car.

3

Avoid penalties

Driving without valid insurance is a punishable offence. It can attract penalties. Car insurance helps you avoid penalties and drive with peace of mind.

4

Maintain car’s value

Damages can bring down your car’s value. Car insurance can help you restore your car’s value to a great extent. This comes in handy in case you want to sell your car in the future.

Types of car insurance for women

Insurers don’t offer different policies based on gender – both men and women have access to the same set of car insurance policies. There are three different types and each one has its own features. These are:

Third-party car insurance

This car insurance policy covers legal liabilities for injuries and damages suffered by a third party. It doesn’t cover any damages suffered by you or your car. It’s mandatory to have it to drive in India.

Own damage car insurance

This car insurance covers damages or losses incurred due to natural and man-made disasters. These include fire, theft, flood, storms, earthquakes, etc.

Comprehensive car insurance

This car insurance covers own damage and third-party legal liability. It offers compensation in case of loss or damage to your vehicle and third-party legal liability protection.

What to consider while purchasing car insurance for women?

Buying a car insurance shouldn’t be a rushed decision. You need to consider several things. Some of these are:

1

Know your needs

Are you using your car daily for work or just for weekend trips? The way you use your car should guide the type of coverage you pick.

2

Right type of cover

A basic third-party cover is compulsory. However, a comprehensive policy gives better protection to you and your car.

3

Compare different plans

Don’t settle for the first option. Compare multiple policies across insurers to check prices, features, inclusions and exclusions, among others.

4

Claim process

A smooth and simple claim process can save you from troubles later. Read reviews and see how well the company handles claims.

5

Add-ons required

Think about the add-ons you need to enhance coverage. While there are several add-ons on offer, choose only the ones you genuinely need.

6

Customer support

Make sure the insurer has good customer service. Quick help during an emergency can make a huge difference.

How to apply for car insurance for women online?

Applying for car insurance online is simple and easy. All you need to do is:

  • Visit our website here.
  • Click on ‘Car Insurance’ under ‘Motor Insurance’
  • Enter your car’s registration number and click on ‘Get Quote’
  • Choose the policy and add-ons you want to buy
  • Pay the premium

Car insurance add-ons for women drivers

You can enhance your car insurance policy by opting for various add-ons. You can add them to your policy by paying an additional premium. Some of them are:

1

Engine protect

This add-on helps cover expenses incurred on the repair or replacement of a damaged engine due to water ingression, leakage of lubricating oil, etc.

2

Roadside assistance

This add-on provides emergency services in case your car breaks down on the road suddenly. It helps you take your car to the nearest network garage for essential repairs.

3

Zero depreciation

This add-on gives you the full claim amount without deduction for depreciation of the damaged parts. It further helps you reduce out-of-pocket expenses.

4

Key protect cover

This add-on covers expenses you incur when repairing or replacing car keys and locks. Keys and locks of high-end cars are expensive and replacing them can be quite expensive.

Read more

What’s covered and not covered in car insurance?

  • Inclusions
  • Exclusions

What’s included:

  • Any loss or damage to your vehicle and/or its accessories due to landslide, rockslide, frost, cyclone, etc
  • Any loss or damage to your vehicle and/or its accessories due to terrorist activity, malicious act, riot, damage in transit, etc
  • Legal liability against third party due to accidental damage resulting in permanent injury/death or damage caused to property
  • Personal accident while driving, mounting or dismounting from your car

What’s not:

  • Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area
  • Any claim arising out of any contractual liability
  • Any accidental loss, damage and/or liability caused during non-registration of the vehicle
  • Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use
  • Liability arising if driven without a valid license

Process to renew car insurance for women

The process of renewing car insurance is easy. You can do it online in a few easy steps. All you need to do is:

  • Visit our website here.
  • Click on ‘Car Policy’ under ‘Renewals’
  • Choose between ‘Registration No’ and ‘Policy No’ for renewal
  • Click on ‘Proceed’
  • Follow the appearing instructions and pay the premium to renew your policy

Car insurance for women: Claiming process

To make a claim from your insurance policy:

  • Inform us immediately regarding your claim through our toll-free number (1800 2666), website or IL TakeCare app. Also, fill out the claims form.
  • Next, take your bike to the nearest network garage. You can find the list of network garages here.
  • Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.
  • Upload your documents on our website or IL Takecare App or send them to the assigned claims manager.
  • The claims manager/ surveyor will assess and approve repair estimates based on policy’s terms & conditions. Cashless claims will be paid directly to the garage, while reimbursement claims will be paid to your bank account.

For detail information, please click here.

Documents required for claiming car insurance

The documents you need to make a claim for car insurance are your car’s registration certificate, your driving license, a copy of the policy, claim form, FIR or police report, garage estimate, repair invoice, etc. Make sure to keep these documents where you can access them easily when needed. For more details, click here.

Car insurance blog articles

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Why Fuel System Cleaning Matters for Your Car

Fuel system cleaning removes deposits and dirt from injectors, valves, and fuel lines to restore power, mileage, and efficiency. It prevents rough idling, poor acceleration, and emissions issues while improving performance and prolonging engine life.

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Tata Tiago vs Tata Punch: Key Differences

The blog compares Tata Tiago and Tata Punch across performance, fuel efficiency, safety, design, interiors and affordability. It highlights key differences to help buyers make an informed choice while stressing the importance of securing suitable car insurance for protection.

10 Oct 2025
Read more articles

Frequently asked questions

Is car insurance different for women drivers?

Not really. Car insurance is generally the same for both men and women.

Is it necessary to have car insurance even if I drive occasionally?

Yes. Regardless of how often you drive, you need to at least have third-party car insurance. On the other hand, a comprehensive car insurance policy offers wider coverage and protection.

How can I reduce my car insurance premiums?

Opting for deductibles, installing anti-theft devices and avoiding unnecessary add-ons can help you lower your car insurance premiums.

Can I buy car insurance for women online?

Yes, you can. Digitalisation has made it easy and convenient to compare and buy policies online easily. It’s often faster and more cost-effective.

What is an add-on in car insurance for women?

An add-on is an extra cover you can include in your policy for better protection. Popular add-ons include zero depreciation, roadside assistance, engine protection, etc.

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Disclaimers:

The information provided in this page is for educational and informational purposes only. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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