Top 10 Myths About Car Insurance Busted in 2025

Car insurance is mandatory in India, but many people still believe in myths and misconceptions that can cost them money and lead to poor coverage. In 2025, let’s clear the confusion and bust the most common car insurance myths.

🚘 Top 10 Car Insurance Myths and Facts

1. Myth: Only third-party insurance is enough.
   Fact: Third-party insurance is mandatory, but it does not cover your car’s damages. A comprehensive policy is more beneficial.
2. Myth: Car insurance covers everything.
   Fact: Policies have exclusions. For example, wear and tear, drunken driving accidents, and illegal activities are not covered.
3. Myth: New cars don’t need insurance.
   Fact: Insurance is compulsory for every car on the road, new or old.
4. Myth: Premium is the same for everyone.
   Fact: Premium depends on factors like car model, age, location, and driver history.
5. Myth: Claiming once will not affect future premiums.
   Fact: Every claim reduces your No Claim Bonus (NCB) and may increase future premiums.
6. Myth: Older cars don’t need insurance.
   Fact: Even old cars must have at least third-party insurance by law.
7. Myth: Personal belongings inside the car are always covered.
   Fact: Most policies do not cover personal items unless you buy an add-on.
8. Myth: Buying insurance offline is safer.
   Fact: Online insurance is often cheaper, quicker, and equally secure.
9. Myth: Insurance covers everything in natural disasters.
   Fact: Only a comprehensive policy with s