What Is Motor Insurance?
Motor insurance protects your car or two-wheeler against damage and covers your legal liability towards third parties for injury, death or property damage. Third-party cover is mandatory under the Motor Vehicles Act.
A comprehensive policy combines third-party liability with own-damage cover for accidents, fire, theft, riots and natural calamities. A standalone own-damage policy can be bought if you already have a long-term third-party cover.
Add-ons such as zero depreciation, engine protection, return to invoice, consumables and roadside assistance can significantly improve claim outcomes for a modest additional premium.
Motor Insurance Options
Third-Party Liability
Mandatory cover for injury, death or property damage caused to others.
Comprehensive Cover
Third-party liability plus own-damage protection.
Standalone Own Damage
Own-damage cover for vehicles with an existing third-party policy.
Popular Add-Ons
Zero depreciation, engine protection, return to invoice and roadside assistance.
Why Do You Need Motor Insurance?
Legal Requirement
Driving without valid third-party insurance is an offence.
Repair Costs
Covers damage from accidents, fire, theft and natural calamities.
Valuable Add-Ons
The right add-ons reduce out-of-pocket expenses at claim time.
No-Claim Bonus
Claim-free years earn significant discounts on own-damage premiums.
Why Choose Our Motor Insurance Services?
We help you choose the right cover and add-ons and support you through every claim.
Correct IDV
Insured Declared Value set appropriately for full protection.
Useful Add-Ons Only
We recommend add-ons that genuinely add value for your vehicle and usage.
Insurer Comparison
Premiums, cashless garage networks and claim service compared.
Claims Support
Assistance with surveys, cashless repairs and settlement.
Our Process
- Assess Your Needs Family, income, liabilities, health and existing cover.
- Compare the Market Plans from leading insurers compared on cover, exclusions and claim experience.
- Recommend the Right Cover Adequate sum insured with only the add-ons that add value.
- Smooth Issuance Help with proposals, disclosures and medical formalities.
- Renewals & Claims Support Timely renewals and full support during claims.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
What is IDV?
Insured Declared Value is the vehicle's current market value and the maximum amount payable for total loss or theft.
Can I transfer my No-Claim Bonus?
Yes. NCB belongs to you and can be transferred to a new vehicle or insurer.
What is zero depreciation cover?
An add-on that pays the full cost of replaced parts without deducting depreciation.
What should I do immediately after an accident?
Ensure safety, inform the insurer promptly, and avoid moving the vehicle for repairs before the insurer's guidance.
Is personal accident cover for the owner-driver mandatory?
Yes, a compulsory personal accident cover for the owner-driver is required unless an existing eligible cover is in place.