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​In India, as per the Motor Vehicles Act of 1999, it is mandatory by law for a four-wheeler to have an insurance cover. If you are driving on Indian road without one, it is a violation that will result in penalisation.

When it comes to car insurance​, there are two types of insurance coverage that can be availed. They are Own Damage Cover and Third-party liability insurance respectively. As per law, only third-party liability insurance is compulsory to avail by a car owner. 

In order to get the right protection for your car, it is important to understand how vehicle insurance works. Speaking plainly, insurance is an agreement between the insured and the insurance company wherein the insurance provider pays a certain amount to the car owner in the occurrence of specific events subject to a certain set of conditions. The events and conditions are described in the policy wording in detail. The insurance policy coverage only comes into existence when the insured agrees upon the wordings by signing the policy agreement. Considering this, it is very important to understand the insurance policy carefully before signing on the dotted line, especially the exclusion list to ensure that there are no unpleasant surprises during a claim. This is how the insurance process works in a nutshell.
In Third Party coverage, the losses incurred by you to a third party due to your car are covered. In order to better understand the concept of third party insurance, let us look at some terminologies. For example, in the event of a car accident, the parties involved are: First party: The insured person or policyholder; Second party: The insurance company; Third Party: The person who claims for the damages caused by the first party.
Own damage cover, as the name suggests covers the car against a number of risks, perils and damages. Need and importance of anything is understood provided one faces some difficulties. Car insurance is not an exception to the above fact. One can imagine a situation where due to the accident somebody has lost their life and some damage has occurred to the property of somebody. In order to pay the physical damages and third party casualties, one has to incur heavy legal expenses. People who own a car insurance policy need not bother as the policy covers the unexpected expenses. Hence car insurance has become a necessary one and one cannot go as per their options. So along with the purchase of the car one should immediately think of getting the car insurance policy. Online access enables one to find the best insurance companies and one can buy the relevant policies according to their needs. It is always advisable to get the best car insurance policy to protect oneself, one's car and the co-travellers from any accidents which are unforeseen. Before choosing a particular insurance company better go through the reviews and ratings of the other customers who have shared their related experiences about the company and their procedure of doing business with the best customer care.

When you are travelling off-road, the risks and dangers are greatly amplified. It is essential that you stay safe and protected as much as possible. That is why it is must that you avail a car insurance policy with high coverage that safeguards you from a maximum number of eventualities.