Car Insurance in Ranchi: A Necessity for Car Owners

7 min readSep 25, 2022

Ranchi is one of the busiest cities in Jharkhand, India. Increasing population and vehicular penetration have made this place more prone to car accidents and significant injuries. According to the Ministry of Road Transport & Highways, Transport Research Wing, Jharkhand saw 4,405 road accidents in 2020.

In 2021, this state noticed 3569 accidents between January to October, where 2875 people died, and 2658 met with injuries. The shocking part is that 509 mishaps alone happened in Ranchi, with 350 deaths and 275 sustained injuries.

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Car Accident Stats in Ranchi

Ranchi, the capital of Jharkhand, India, is the tourist hub. Also, this city has offices of many companies that keep its roads busy all day and night. Therefore, you often see many car accidents on a regular basis.

Source: Statista

Let’s see some car accident states for this city so that you can understand the need for reliable car insurance in Ranchi.

1. Many car accidents happen on the road because drunk drivers hit others.

2. Its local roads are not much developed, which often causes a traffic jams.

3. The national highways are smooth and broad; most drivers drive their vehicles at high speed. Bikers also ride their bike at the speed of 120km/hr.

4. Almost 35% of an accident in this city happens with two-wheelers' involvement.

5. 88% of death happens because bike riders do not wear helmets.

6. Statista’s report shows that 3044 people were killed in road accidents in Jharkhand; Ranchi was the top city in the state with the highest number of accidents.

All in all, you can see driving your car on the road of Ranchi can be dangerous. This city’s bikers often ride their bike at high speed without a helmet. Car drivers also face problems while driving the car on pathetic roads. Some people drink and drive their vehicles and also hit others. These are some major reasons car owners should get insurance in Ranchi.

Benefits of Booking Car Insurance in Ranchi

Now, you understand having reliable car insurance is essential. So, let’s see some benefits of buying car insurance in Ranchi for car owners.

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1. Little Paperwork

Online Insurance booking platforms understand your security is supreme when you drive a car on the roads of Ranchi. On these platforms, you get the facility to upload relevant documents digitally. There is no need to submit the documents in physical mode. Also, you can easily call customer support for any confusion or questions. As this platform aims to give convenient car insurance facilities to its users.

2. Hassle-Free Premium Deposit

When you buy car insurance online, you get the option to pay the car insurance premium online. You can visit the online platform and use the pay premium button. On the other hand, if you book your car insurance offline, you will have to pay a big amount upfront. That makes the insurance cover costly and also does not offer many add-ons.

3. Multiple Add-ons

You get multiple add-ons to make your car cover more comprehensive and secure. Moreover, the site gives you the flexibility to decide the premium amount. So, if you need reliable car insurance in Ranchi, it’s good to book it online. It is because you do not only get multiple add-on facilities, but it also seems very cost-effective.

4. Trusted & Credible

Selecting a credible and trusted online site give you the best car insurance plans in Ranchi. Its insurance covers offer up to 95% hassle-free claim experience to buyers. Also, it makes the new car insurance and renewing process convenient. Therefore, booking your car insurance plan can be a great platform.

5. Instant Policy Approval

Whenever you book your car insurance cover offline, you will have to wait for many days. But when you book your car protection online, it gives you instant approval. Therefore, it’s a less time taking process and also very cost-effective. Not only this, but online platforms provide cashless access to the garages in your local area.

Step by Step Guide to Buy Car Insurance in Ranchi

Above, we discussed the benefits of booking a car insurance cover. Let’s also understand how you can book your car insurance to get the best advantage of it.

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1. Know the Requirements First

Ranchi witnessed over 4,000 road accidents every year. If you are planning to book your car insurance cover. In that case, you should ensure it protects yourself and a third party. In India, getting a third-party car insurance cover is compulsory for the car owner. So, you can prepare a list of all the requirements and start discovering your insurer.

2. Select Right Platform

You can find many insurers to get car insurance in Ranchi. But choosing a reliable one is crucial as it will give you a convenient experience. Also, if your insurer is reliable and well renowned, you get the complete solution at a place. You do not need to run through much documentation. In addition, you can easily check claim history and customer experience to make further decisions.

3. Choose the Best Car Insurance Plans

Once you choose your insurer, you can start knowing about various car insurance plans. However, it’s recommended to choose from the following car insurance coverage.

3.1. Third-Party

According to the Motor Vehicle Act, getting third-party insurance coverage is crucial. A third-party insurance plan covers third-party damage and injuries. However, the drawback of this insurance cover is that it does not give personal protection.

3.2. Comprehensive

Comprehensive cover is good for those car owners who want to protect themselves and third parties. This car insurance in Ranchi covers the driver and any third party involved in the accident. On top of that, it also covers car damage and other terms you have chosen.

3.3. Own Damage Cover

If you get third-party cover to meet traffic law requirements. In that case, you will also require to get your damage cover. This insurance cover protects you and your car. So, you can easily claim damages and medical expenses when a car accident happens to you.

4. Look for Add On Covers

Add-on covers are completely value-for-money deals. These provide added security to the car owners. For example, if your car’s engine stops working on the road, you can get a hassle-free repair service. Thus, it’s also essential to have some add-ons to your car cover. Let’s discuss the add-on covers you can consider while buying your car insurance in Ranchi.

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4.1. GAP Value Cover

GAP value cover is a plan that covers the difference between the claim amount and the vehicle’s value.

4.2. Consumable Cover

Generally speaking, comprehensive car insurance does not cover consumables. Car components like nuts, bolts, oil filters, grease, and AC gas oil come under consumable. If you want protection for these, you need to get a consumable cover as an add-on.

4.3. Key Loss Cover

Sometimes your car key gets lost, damaged, or stolen; in this case, you will need to buy a new key. So, if you need compensation for the same, it requires buying key loss cover with the current insurance plan.

4.4. Road Side Accident Cover

This add-on cover provides you with the replacement of flat tires and other basic repair services on the road. So, it’s also a useful add-on that you can get with your car insurance in Ranchi.

4.5. Depreciation Cover

With time your car’s market value starts to depreciate at a high rate. Getting depreciation cover is recommended if you want to maintain your car’s value high. For example, if theft, fire, or accident happens, the insurer pays the depreciated amount as a claim. In that case, you can recover the difference value under depreciation cover.


1. Why do Car Owners have Car Insurance in Ranchi?

Ranchi is a city that records a high number of road accidents. However, the number of road accident cases has decreased. But still, you will find the accident cases are high. Also, under the Motor Vehicle Act, it’s compulsory to have reliable insurance coverage.

2. Can I Renew Car Insurance?

When you buy your car insurance cover online, you get a hassle-free car insurance renewal facility.

3. Which is the Right Platform to Book Car Insurance in Ranchi?

There are many good sites to book car insurance in Ranchi. However, you can do little research about the platform provides you with 100% online booking and a 24x7 customer support facility.

4. After Getting Car Insurance in Ranchi, can I Drive a Car in other Cities in India?

You need a reliable car insurance cover to drive your car anywhere in India. So, if you haven’t purchased car insurance yet, you should get one.

5. Which is the Best Car Insurance Cover for Car Owners in Ranchi?

Choosing a third-party or comprehensive insurance cover is good for first-time car users. However, if you choose a third-party cover, you must book your OD cover to protect yourself and your car.


According to reports, Rachi is the city that has a high number of road accidents. This Indian state has 20th rank in terms of having the highest road accidents. This city often sees car accidents due to bikers riding a bike at high speed. Along with this, some drunk drivers also drive their vehicles and cause an accident. Hence, it’s a good time to book your car insurance cover if you want to protect your expensive vehicle and yourself.

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