Car Insurance
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Buy or Renew your Car Policy Online instantly. Protect what matters most with customized plans, cashless facilities, and 24x7 support from LMB.
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Why Choose
LMB Insurance Brokers?
At LMB, we arrange insurances from all the main insurers directly to the client. You get unbiased advice, perfectly tailored coverage, and dedicated support for claims, all from one trusted partner.
What is Car Insurance?
Car insurance is a vehicle insurance policy that protects your car against financial losses caused by accidents, theft, fire, natural disasters, and third-party liabilities. In India, having at least third-party car insurance is legally mandatory.
A car insurance policy can help cover the cost of repairing or replacing your car in case of damage. It also protects you against legal and financial liabilities if your car causes injury, death, or property damage to a third party.
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Key Features of LMB Car Insurance
Car insurance policies in India are designed to provide complete financial and legal protection.
Protection for Your Own Car
Comprehensive car insurance covers damages to your own vehicle arising from accidents, theft, natural calamities, and fire.
Coverage for Third-party Losses
Protects you against financial and legal liabilities if your car causes damage to another person's property, vehicle, or results in injury/death.
Add-On Covers for Extra Safety
Policyholders can enhance coverage by opting for add-ons such as zero depreciation cover, engine protection, or roadside assistance.
Earn No Claim Bonus (NCB)
Safe drivers are rewarded with premium discounts of up to 50% for each claim-free year.
Cashless Repairs at Network
Most insurers offer access to a vast network of cashless garages where you don't have to pay out of pocket for covered repairs.
Personal Accident Cover
Mandatory coverage that offers financial compensation in the event of accidental death or permanent disability of the owner-driver.
Different Types of Car Insurance Policies
Comprehensive Car Insurance
The most extensive form of coverage available. It protects your vehicle against accidental damage, theft, fire, natural events, and human-caused incidents, while also covering third-party liabilities.
Third-Party & Standalone OD
Third-party is legally mandatory and provides financial protection if your car causes damage to someone else. Standalone Own-Damage focuses solely on covering damage to your own vehicle.
Which Car Insurance Policy is Right for Me?
Whether you own a new car or an older vehicle, these three questions can help you choose the right type of car insurance coverage.
1. Is your car new or old?
- New (0–5 years): Go for Comprehensive Insurance
- Older (5+ years): Consider Third-party or OD combo
2. Do you want full protection or just legal compliance?
- Full protection: Comprehensive Insurance
- Only legal minimum: Third-party Insurance
3. How often do you drive?
- Daily use / commutes: Comprehensive Insurance
- Occasional use: Standalone OD or Third-party
What's Covered in LMB Car Insurance?
LMB Car Insurance provides protection under Comprehensive, Own Damage, Third-party Liability, and Personal Accident Cover.
Accidental Damage
We cover damages resulting from road accidents and collisions, whether it's a small dent or major structural damage.
Third-party Property Damage
If your vehicle causes injury, damage, or loss to another person or property, we cover your legal and financial liabilities.
Protection Against Theft
If your car is stolen and cannot be recovered, we compensate you for the loss based on your policy terms.
Damage Due to Fire
We provide coverage for damages caused by fire, self-ignition, explosion, or lightning.
Natural Disasters
Your car is protected against damages caused by natural calamities such as floods, earthquakes, cyclones, and landslides.
Personal Accident Cover
This provides a mandatory sum insured for the owner-driver in case of accidental death or permanent total disability.