I N S U R E N
Mumbai, India info@insurancellello.com
Insurance Product

Car Insurance

कार बीमा

Comprehensive cover for your car — with a transparent, percentage-based Assured Premium Pay Back credited directly to your account. Independent advisory across every major insurer, zero hidden commissions, and our Claim Help guarantee on every policy we place.

The Insurancellello Promise

Four Reasons Customers Pick Us Over Any Aggregator

The same four promises printed on our brand creative — backed on every policy we place.

Expert Guidance

10+ years of policy-design and tax-advisory expertise from S.K. Sahu & Associate — built into every quote.

Instant Solution

Quick issuance and one senior advisor end-to-end — no call-centre runaround.

Cost-Saving Advice

Independent advisory means no hidden commissions and the lowest TCO across insurers.

Claim Help — Guaranteed

Aapki claim ki chinta meri duty. If your claim is ever rejected, our team fights it for you.

What's Covered

A Cover Designed For Real Indian Use-Cases

Every recommendation below is structured around the policy exclusions and IRDAI standardisations that matter most at claim time.

Own-Damage Cover

Accidental damage, theft, fire, natural and man-made calamities — the full comprehensive cover, not just the legally-mandated minimum.

Third-Party Liability

Statutory third-party cover for bodily injury and property damage as per the Motor Vehicles Act.

Engine & Gearbox

Engine protect, gearbox cover and consumables — available as add-ons for cars older than 3 years.

Zero-Depreciation

Full claim value without depreciation deduction on rubber, plastic, fibre and metal parts — ideal for the first 5 years.

Return-To-Invoice

In a total loss or theft, RTI ensures you get the full invoice value back — not the depreciated IDV.

24×7 Roadside Assist

Towing, flat-tyre, jump-start, fuel delivery, key-loss — bundled with our recommended policies.

Who Is This For

Right For You If…

Ideal for: First-time buyers, families upgrading from a hatchback to an SUV, NRIs renewing parents’ cars, anyone who has lost their NCB through a small claim.

Assured Premium Pay Back

A percentage of the annual premium you pay, credited back to your bank account after policy issuance. Eligibility and the exact percentage depend on policy specifics — use the calculator on the left for an instant indicative number.

Claims Ratio
0 .3%
Day Avg. Resolution
0
Month Break
0
Years Practice
0 +
Common Questions

Quick Answers Before You Commit

For any car worth above ₹3 lakhs, almost always yes — a single major accident easily exceeds the lifetime premium difference. We never recommend third-party-only for personal vehicles unless they are over 10 years old and low IDV.
Insured Declared Value is the maximum amount payable on total loss. Most insurers under-set it to keep premiums attractive at quote time. We push for IDV that reflects fair market value — the difference at claim-time can be lakhs.
NCB is reset on a claim, but with a Protect-NCB add-on you can ride out one or two claims without losing your accumulated bonus. We bundle this on most renewals.
For a fresh personal car, typically within 30 minutes of receipt of RC, KYC and last-year policy. Inspection-required cases (break-in, expired policy > 90 days) take up to 48 hours.

Ready For A No-Obligation Quote?

Send us your basic details — a senior advisor will revert within a business day with the best fit across every active insurer.