Gydmus Insurance

IRDAI Licensed | Trusted Since 2010

Your Journey, Our Protection

At Gydmus Insurance, we believe in transparent policies and swift claim settlements. Compare quotes from 25+ top-tier insurers, save up to 70% on your premiums, and experience a hassle-free digital journey from quote to claim.

Insurance Partners

Million Policies Issued

Claims Settled %

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Vehicle Brand

Model

Fuel Type

Registration Year

Registration City

Insured Declared Value (IDV) Rs 5,00,000

No Claim Bonus (NCB) 0%

Recommended Add-ons

Zero Depreciation +Rs 2,500

Roadside Assistance +Rs 500

Engine Protector +Rs 1,500

PA Cover +Rs 300

Your Premium Quote

Based on your vehicle details and selected coverage

Estimated Annual Premium

Rs 12,450

Comprehensive Coverage | 1 Year

Rs 8,500

Own Damage

Rs 2,094

Third Party

Rs 1,856

Add-ons

Premium Breakdown

Rs 12,450

Total

Own Damage

Third Party

Add-ons

GST

Coverage vs Premium

IDV Cover

Rs 5,00,000

TP Liability

Unlimited

PA Cover

Rs 1,00,000

Add-ons

4 Active

Your Coverage Summary

Own Damage

Rs 5,00,000

Third Party

Unlimited

PA Cover

Rs 1,00,000

Deductible

Rs 1,000

Why "Gydmus" is the Right Choice for You

Choosing the right insurance partner is crucial. Gydmus Insurance acts as your trusted broker, simplifying the complex world of insurance policies. We don't just sell policies; we build relationships. Our dedicated team analyzes your needs to recommend coverage that actually matters, avoiding unnecessary add-ons that bloat your premium.

With our proprietary comparison engine, you can view side-by-side comparisons of IDV (Insured Declared Value), premium breakdowns, and claim settlement ratios of different insurers. We believe in 100% transparency—no hidden charges, no fine print surprises. Whether you are a first-time buyer or looking to renew, Gydmus ensures you get the best deal every single time.

Our Mission: To democratize insurance in India by making it accessible, affordable, and understandable for every vehicle owner. We leverage cutting-edge technology to provide instant quotes, digital policy issuance, and seamless claim assistance. Our AI-powered recommendation engine analyzes over 50 variables to suggest the optimal coverage for your specific needs.

What Sets Us Apart: Unlike traditional agents who push products for higher commissions, Gydmus operates on a customer-first model. We display real-time prices from all major insurers, allow you to customize your IDV, and provide detailed policy wordings in simple language. Our claim settlement ratio of 97% speaks volumes about our commitment to our customers.

Our Products

Comprehensive Insurance Solutions

We cover everything from your daily commute vehicle to heavy commercial fleets. Select your vehicle type to explore detailed coverage options tailored for Indian roads.

Car Insurance

Protect your car against accidents, theft, fire, and natural calamities. Our comprehensive car insurance covers damages to your vehicle and third-party liabilities. Enjoy cashless repairs at 6000+ network garages across India.

Own Damage (OD) Cover

Third-Party Liability

Personal Accident Cover (Owner-Driver)

Zero Depreciation Add-on

Bike Insurance

Two-wheelers are the lifeline of Indian commute. Secure your bike/scooter with policies that cover accidents, theft, and man-made disasters. Get instant policy issuance online with minimal documentation.

Engine Protector Add-on

Return to Invoice Cover

Emergency Roadside Assistance

Consumables Cover

Commercial Vehicle

Keep your business moving. Our commercial vehicle insurance covers trucks, buses, tempos, and fleet vehicles. Specialized coverage for goods in transit, employee accidents, and legal liabilities.

Goods in Transit Insurance

Owner-Driver Accident Cover

Legal Liability to Employees

Fleet Discounts Available

Third Party Insurance

Mandatory as per the Motor Vehicles Act. This policy covers your legal liability for injuries, death, or property damage caused to a third party in an accident. Quick issuance for legal compliance.

Mandatory Legal Compliance

Covers Third-Party Injury/Death

Property Damage Liability

1-Year or 3-Year Policies

Understanding Your Coverage

Comprehensive vs. Third-Party: While Third-Party insurance is mandatory, it only covers damages caused to others. A Comprehensive plan is highly recommended as it covers both third-party liabilities and damages to your own vehicle, including theft, fire, and natural calamities like floods or earthquakes.

IDV (Insured Declared Value): This is the current market value of your vehicle. It determines the maximum amount you can claim in case of total loss or theft. At Gydmus, we help you choose the right IDV to ensure you are neither under-insured nor over-paying for premiums.

Add-ons Explained: Add-ons are optional covers that enhance your policy's scope. Zero Depreciation ensures full claim amount without depreciation deduction. Engine Protector covers engine damage due to waterlogging—a must during monsoons. Roadside Assistance provides help during breakdowns, flat tires, or fuel emergencies.

Compare Plans

Comprehensive vs Third-Party

Understand the key differences to make an informed decision for your vehicle protection.

Feature	Third-Party Only	Comprehensive
Third-Party Damage Cover	Yes	Yes
Own Damage Cover	No	Yes
Theft Protection	No	Yes
Natural Calamity Cover	No	Yes
Fire Damage Cover	No	Yes
Personal Accident Cover	Yes (Optional)	Yes (Included)
Add-on Options	No	Multiple Options
Cashless Claims	No	6000+ Garages
No Claim Bonus	No	Up to 50%
Legal Compliance	Yes	Yes

The Gydmus Advantage

Why Customers Trust Us

Instant Digital Policy

No paperwork, no waiting. Get your policy document directly in your email within minutes. Digilocker integrated for easy access.

Guaranteed Savings

Our intelligent comparison engine scans 25+ insurers to find you the lowest premium for the same coverage. Save up to 70% on renewal.

Dedicated Claim Support

A personal claim manager assists you from survey to settlement. We ensure your claim isn't rejected due to technicalities.

24/7 Assistance

Stuck on the highway at midnight? Our roadside assistance team is available 24/7, 365 days a year across India.

How to File a Claim with Gydmus

Step 1: Immediate Action: Ensure safety, move the vehicle to the roadside if possible, and call our helpline or use the app to register the claim immediately.
Step 2: Survey & Documentation: A surveyor will be assigned within 24 hours. Take photos of the damage and submit your driving license and RC copy via our app.
Step 3: Repair: Choose a cashless garage near you for direct settlement, or opt for a reimbursement claim if using your preferred local mechanic.
Step 4: Settlement: Once repairs are done, verify the work. The insurer settles the bill directly with the garage (cashless) or reimburses your account within 7 days.

Why Choose Us

Benefits of Buying Insurance Online

Experience the digital advantage with Gydmus Insurance - faster, smarter, and more convenient.

Instant Policy Issuance

No waiting for days. Get your policy document in your email within 2 minutes of payment. Immediate coverage starts from the moment you need it.

Transparent Pricing

See exactly what you're paying for. We break down every component - OD premium, TP premium, add-ons, and taxes. No hidden charges, ever.

Easy Comparison

Compare quotes from 25+ insurers side by side. Filter by price, claim ratio, or coverage to find your perfect match.

Paperless Process

Upload documents, pay online, receive digital policy. Your policy stays safe in your email and Digilocker. Environment friendly too!

Customizable Coverage

Adjust your IDV, choose your add-ons, set your deductible. Build a policy that fits your exact needs and budget.

Renewal Reminders

Never miss a renewal date. We send timely reminders via SMS and email, ensuring continuous coverage without lapses.

Testimonials

What Our Customers Say

Real stories from real customers who trusted Gydmus with their vehicle protection.

"Had an accident last month and was worried about the claim process. Gydmus made it incredibly smooth. The claim was settled within 5 days. Highly recommend their service!"

Rahul Kumar

Car Owner, Delhi

"Saved Rs 8,000 on my car insurance renewal compared to my previous insurer. The comparison feature is fantastic and helped me understand what I was actually paying for."

Priya Sharma

Car Owner, Mumbai

"The roadside assistance add-on saved me during a late-night breakdown on the highway. The team arrived within 45 minutes. Worth every rupee for the peace of mind."

Amit Verma

Bike Owner, Bangalore

Our Partners

Trusted by Leading Insurers

We work with India's top insurance companies to bring you the best coverage options.

ICICI Lombard

HDFC ERGO

Bajaj Allianz

Tata AIG

Reliance

Future Generali

Liberty

Digit

FAQ

Frequently Asked Questions

Everything you need to know about vehicle insurance in India, simplified.

Third-Party Insurance: This is mandatory by law in India under the Motor Vehicles Act. It covers your legal liability for any injury, death, or property damage caused to a third party. It does NOT cover damages to your own vehicle.

Comprehensive Insurance: This provides 'complete' coverage. It includes Third-Party Liability AND Own Damage (OD) cover. This means it covers damages to your car/bike due to accidents, theft, fire, natural calamities (floods, earthquakes), and man-made disasters (riots, vandalism). Gydmus strongly recommends Comprehensive insurance for financial security.

When you make a claim, the insurer deducts 'depreciation' on replaced parts (plastic, rubber, metal) before settling the bill. This means you pay a portion of the repair cost from your pocket.

Zero Depreciation (Zero Dep) Add-on: By paying a slightly higher premium, you can add this cover. It ensures the insurer pays the full cost of replacing parts without deducting depreciation. It is highly recommended for new cars (up to 5 years old) to avoid high out-of-pocket expenses during claims.

NCB is a reward for being a safe driver. If you don't make any claims during a policy year, you earn a discount on your Own Damage premium for the next year.
- After 1 claim-free year: 20% discount
- After 2 consecutive years: 25%
- After 3 years: 35%
- After 4 years: 45%
- After 5+ years: 50% maximum discount

Important: NCB is linked to the policyholder, not the vehicle. You can transfer your NCB to a new car when you sell the old one.

For a New Vehicle:
- Invoice of the vehicle
- Registration Certificate (RC) or Temporary Registration Number
- ID Proof of the owner (Aadhar, PAN, Passport)

For Renewal:
- Previous Policy Document
- Registration Certificate (RC)
- ID Proof

With Gydmus, the process is 100% digital. Just upload photos of these documents from your phone!

Cashless Claims: For repairs at network garages, the settlement is almost instant. The insurer directly pays the garage, and you only pay your share of the deductible and depreciation (if applicable). Average time: 2-3 working days after survey approval.

Reimbursement Claims: If you use a non-network garage, you pay upfront and claim reimbursement. After submitting all bills and documents, settlement typically takes 7-14 working days. Gydmus expedites this process with dedicated claim managers.

Yes, you have two options:

1. Transfer the Policy: You can transfer the existing policy to the new owner. Both parties need to submit a transfer request to the insurer within 14 days of sale. The new owner gets the policy benefits with the same terms.

2. Retain NCB: You can cancel the policy and transfer your No Claim Bonus (NCB) certificate to your new vehicle. This is often more beneficial as you get the NCB discount on your new car/bike insurance, while the buyer gets a fresh policy.

Secure Your Vehicle Today

Don't wait for the unexpected. Get a personalized quote from Gydmus Insurance in under 2 minutes and drive with confidence.