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Comprehensive motor insurance for India’s vehicle owners and drivers. Get protection for cars, bikes, and commercial vehicles with claims processing that moves as fast as you do.
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Motor Insurance
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What is Motor Insurance
Motor Insurance: Your Vehicle’s Personal Bodyguard on Indian Roads!
Think of motor insurance as having a financial airbag that deploys during accidents, thefts, and disasters! It’s comprehensive protection covering your car, bike, or commercial vehicle against collisions, natural calamities, theft, and third-party liabilities – because Indian roads are adventure enough without financial surprises.
Whether you’re navigating Delhi traffic or cruising NH highways, motor insurance keeps you legally compliant and financially protected. From fender-benders to total losses, from TP coverage to comprehensive policies – we’ve got every wheel, handlebar, and bumper covered!
Why Is This Policy Vital for Vehicle Owners
Because Indian Roads + Murphy’s Law = Mandatory Insurance!
India witnesses 4 lakh road accidents monthly with ₹7,500+ crore annual vehicle damage losses. Third-party insurance is legally mandatory – driving without it invites ₹2,000 fine and 3-month imprisonment! Motor insurance is the difference between “minor traffic incident” and “major court appearance.” It’s survival insurance for every vehicle owner!
Who Needs Motor Insurance?
Car Owners (Private Vehicles)
Four-wheeler owners need comprehensive coverage against own damage, theft, natural calamities, and third-party liabilities.
Two-Wheeler Riders (Bikes & Scooters)
Motorcycle and scooter owners require protection against accidents, theft, and mandatory third-party coverage.
Commercial Vehicle Operators
Trucks, taxis, auto-rickshaws, and goods carriers need specialized coverage for business use and higher liabilities.
Electric Vehicle Owners
EV owners need specialized motor insurance covering battery damage, charging equipment, and unique electric vehicle risks.
Fleet Operators & Businesses
Companies with multiple vehicles require fleet policies covering entire vehicle inventory under single comprehensive coverage.
First-Time Vehicle Buyers
New vehicle owners must purchase motor insurance within registration—mandatory for RTO compliance and road legality.
Insurance comparison
Types/Add-ons Commonly Offered
Third-Party (TP) Liability
Legally mandatory coverage for third-party death (unlimited) and property damage (₹7.5 lakh)
Comprehensive Policy
Own damage + third-party combined coverage for complete vehicle protection
Zero Depreciation Cover
No depreciation deduction during claims; full replacement value for parts without age deductions
Engine Protection Cover
Water ingress damage, hydrostatic lock, and engine repair coverage for floods and waterlogging
Return to Invoice (RTI)
Full invoice value payout for total loss or theft within policy period
Roadside Assistance (RSA)
24/7 breakdown support, towing, flat tyre, battery jump-start, fuel delivery, and emergency repairs
Consumables Cover
Nuts, bolts, engine oil, brake oil, AC gas, and other consumables during repairs
NCB Protection Cover
Protects no-claim bonus discount even after making claims during policy year
Key & Lock Replacement
Coverage for lost/stolen keys and lock replacement costs
Tyre & Rim Protection
Damage to tyres and wheel rims from potholes, punctures, and road hazards
Personal Belongings Cover
Loss or damage to personal items like laptops, phones, bags inside vehicle during accidents or theft
Passenger Cover Extension
Accidental injury or death coverage for passengers beyond mandatory owner-driver PA cover
What Motor Insurance Cover
Accident Damage
Vehicle Theft or Burglary
Fire, Explosion & Lightning
Natural Disasters
Riot, Strike & Malicious Acts
Third-Party Liability
Personal Accident Cover
Animal-Related Damage
Inclusions & Exclusions
Inclusions
Own Damage Coverage
Collision, accidents, and external impacts causing vehicle damage during normal use
Third-Party Liability
Legal liability for third-party death/injury (unlimited) and property damage (up to ₹7.5 lakh)
Natural & Man-Made Calamities
Earthquakes, floods, cyclones, storms, riots, strikes, and terrorist activities damaging vehicle
Fire & Explosion
Vehicle damage from fire, self-ignition, explosion, and lightning strikes
Theft & Burglary
Complete vehicle theft, partial theft of parts, and forcible entry damages covered
Personal Accident Cover
Mandatory PA cover up to ₹15 lakh for owner-driver against accidental death/permanent disability
Exclusions
Drunk/Intoxicated Driving
Accidents occurring while driving under influence of alcohol or drugs excluded
Invalid Driving License
Claims rejected if driver had expired, invalid, or inappropriate license category at accident time
Wear & Tear
Normal depreciation, mechanical breakdown, and electrical failures without accident excluded
Consequential Damage
Depreciation of vehicle parts claimed without zero depreciation add-on deducted from settlement
Outside Geographical Limits
Damage occurring outside India or beyond policy-specified areas excluded
Racing & Illegal Use
Vehicle damage during racing, speed contests, or illegal activities not covered
Insurance Partners
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FAQ's
Third-party covers ONLY others' damages (legally mandatory). Comprehensive covers YOUR vehicle + third-party. Smart owners choose comprehensive!
Yes! PA cover up to ₹15 lakh is compulsory for owner-driver. Protects you, not just your vehicle!
Yes! Animal collision damage is covered under own damage section. Cows, dogs, elephants-all covered!
No Claim Bonus gives 20-50% premium discount for claim-free years. Goes up to 50% after 5 claim-free years!
For cars under 5 years, absolutely! Without it, you pay depreciation on replaced parts-₹50,000 bumper becomes ₹30,000 claim!
Yes! NCB belongs to you, not insurer. Transfer it when switching companies-never lose your hard-earned discount!
Customers Says..
Mr. Arjun Mehta (Mumbai)
Mr. Kanishk Mishra (Delhi)
