Car Insurance in Lucknow

The capital city of the Indian state, Uttar Pradesh, Lucknow, is a historical gateway. The city features many famous forts that exhibit a rich history of the Mughal Empire. The city is also popular for non-vegetarian dishes like kebabs, biryani, and curries. There are numerous places to visit in the city, namely Rumi Darwaza, Bara Imambara, Chhota Imambara, Ambedkar Memorial Park, Nawab Wajid Ali Shah Zoological Garden, and The Residency.

According to VAHAN data reported by Down to Earth, Lucknow has a total of approximately 3,179,651 registered vehicles, of which 780,605 are four‑wheelers (cars). With such high traffic on the roads of Lucknow, buying car insurance in Lucknow is an absolute necessity. Also, under the Motor Vehicle Act 1988, car insurance is mandatory for vehicles to drive on public roads.

Here are some traffic analytics stats of Lucknow that will blow your mind:

• According to NCRB data for 2022, the city witnessed 1,408 road accidents, resulting in 643 deaths and 994 injuries, ranking Lucknow among the most fatal cities in Uttar Pradesh.


• Between March 2023 and March 2024, 7,56,745 traffic challans were issued in Lucknow (including two- and four-wheelers), with unpaid fines totalling ₹127.4 crore—92% of the total.


• As of late 2024, Lucknow had over 770,000 registered private cars (UP‑32 RTO series), making it the highest vehicle registration district in Uttar Pradesh.


• Traffic police in the city estimate only 1500 personnel handling traffic across 100+ busy intersections, indicating a severe manpower shortage.


• The Public Works Department has identified 62 black spots across Lucknow (13 yellow and 4 red zones), many of which see 6‑7 accidents daily, especially on Sitapur Road, Sultanpur Road, Hardoi Road, Kanpur Road, and Faizabad Road.

In Lucknow, you can find 3 types of car insurance policies available online to purchase:

• Third-Party Car Insurance

In a TP four-wheeler insurance, any damages or liabilities that are caused by your vehicle to a third-party (individual or property) are covered. This type of car insurance is mandatory by law, and not having one while driving can lead to hefty fines (up to ₹4,000).

• Comprehensive Car Insurance

In a comprehensive four-wheeler insurance, full protection is given to the policyholder’s car, as it covers most damages done to the car and third parties. It is an all-around insurance – covering all major factors and providing complete financial security to the policyholder. It can be customised with add-ons.

• Own-Damage Car Insurance

In an OD car insurance, any damage that is inflicted to your vehicle in an accident, theft or natural disaster is covered by car insurance. This type of car insurance does not cover third-party car insurance, and it must be bought separately for legal compliance.

Insurance premium in Lucknow is affected by the following factors:

• Car Details

Details of the car, like its price, age, model, and variant of the car have an effect on the premium calculation of car insurance in Lucknow.

• Location

In Lucknow, car insurance rates can vary depending on the location of the vehicle; higher-risk areas have higher premiums.

• Driver’s Record

The driver’s background can also affect the premium price of car insurance in Lucknow.

• Details of the Policy

The type of car insurance policy, term, deductibles, and add-ons selected directly affect the price of the car insurance policy.

• Discounts

NCB bonuses, festive offers and direct discounts also affect the premium rate of the car insurance policy in Lucknow.

Common inclusions and exclusions of car insurance in Lucknow are:

Inclusions of a car insurance policy in Lucknow

• Damage and loss caused due to accidents or collisions.


• Coverage against losses incurred when your car is stolen.


• Loss or damage caused due to an accidental fire.


• Damage and loss occurred due to natural calamities like floods, earthquakes, etc.


• A compensation of about Rs. 15 lakhs in case the accident leads to death or disability of the owner.


• Your insurer compensates for property damages and injuries caused by your car.

Exclusions of a car insurance policy in Lucknow

• Damage/loss caused due to war or similar conditions.


• Damage occurred while driving under the influence of alcohol.


• Damage that arises when driving without a valid driver’s license.


• Damage occurred when the insurance policy was not active.


• Regular wear & tear.


• Regular servicing expense.

You can purchase car insurance online in Lucknow through Coverfox by following these steps:

1. Visit the Coverfox website, then go to Insurance > Car Insurance tab


2. Write down your registration number of the vehicle or


3. Click on “Bought a new vehicle?”


4. Select Manufacturer, then Car Model


5. Choose your powertrain


6. Choose your variant


7. Click on “Get Quotes”


8. Compare prices and select appropriate Add-ons


9. Make an online payment through a secure gateway


10. Your policy will be emailed to you after verification.

In Lucknow, you can file for a claim against the car insurance online by:

1. Inform the insurer about the incident involving the claim.


2. File an FIR at the nearest police station in Lucknow if required (In case of major accidents or thefts).


3. Fill in the claims form from your insurer (Most insurers have it on their website) and submit the required documents.


4. Visit the nearest network garage in Lucknow of your insurer, and get your car fixed there. Payment will be settled by the insurer directly.


5. If a network garage is not available, you can repair your car at a garage, pay the appropriate costs, and collect the receipt. The insurer will reimburse you for the amount as per the policy.

Documents Required for Filing a Car Insurance Claim in Lucknow

These are the required documents to file a claim in Lucknow for car insurance:

• Insurance policy document


• Vehicle Registration Certificate (RC)


• Driver’s licence


• First Information Report (FIR) – mandatory for theft or severe accidents


• Photos of the damaged vehicle or accident site


• Repair invoices and payment receipts (for reimbursement claims).

There are several cashless garages in Lucknow authorized by various Car Insurance Companies. Some of them are mentioned below:

Follow these tips and tricks for choosing the best car insurance policy in Lucknow:

• Compare insurers online through Coverfox for optimum pricing and coverage


• Check the coverage areas of the car insurance policy


• Evaluate the inclusions and exclusions of the insurance policy thoroughly


• Choose only the required add-ons


• Check the availability of NCBs for discounts


• Check the network garages of the insurer


• Ensure you buy car insurance through Coverfox for the best deals and excellent support.

Following traffic rules in Lucknow will lead to no fines and no legal trouble. More importantly, it will not hinder insurance claims:

• Follow all traffic rules and regulations on the road to avoid fines.


• Carry all necessary documents with you (Insurance, Licence, RC, PUC).


• Do not drive under the influence.


• Do not give the car to someone who is not legally allowed to drive.


• Do not carry expired car insurance; renew it at the earliest.


• Don’t rashly drive.