Private Car
Comprehensive, third-party only, or standalone own-damage policies for hatchbacks, sedans and SUVs, new or used.
Motor Insurance
Drive easy. We've got the claim covered.
Car, two-wheeler, commercial vehicle or tractor: we compare plans from multiple insurers, explain the add-ons that matter, and stand with you at the garage when something goes wrong.
- New policy, renewal or expired policy, all handled
- Keep your No Claim Bonus (NCB) when you switch insurer
- Help with surveys, cashless garages and reimbursement claims
Enquiry received
Thank you. An advisor will call you within 4 business hours (Mon–Sat, 9 AM – 7 PM). Want to talk sooner?
Types of Cover
Cover for every vehicle
Third-party cover is mandatory by law under the Motor Vehicles Act, 1988. Comprehensive cover protects your own vehicle too.
Two-Wheeler
Scooters and motorcycles, with long-term third-party options for new bikes and 1-year own-damage renewals.
Goods Carrying (GCV)
Trucks, pickups and tempos. Cover for the vehicle, third-party liability and optional cover for the driver and cleaner.
Passenger Carrying (PCV)
Taxis, buses, school vans and auto-rickshaws, including legal liability to passengers.
Tractors & Misc. Vehicles
Tractors, harvesters, JCBs and other special vehicles (Misc-D class), for farms and construction.
Fleet Policies
Several vehicles under one business? We structure fleet cover with a single renewal calendar.
Know Your Cover
What's covered, what's not
A general guide. Exact cover depends on the insurer and plan, and we walk you through the policy wording before you buy.
Usually covered
- Accidental damage to your vehicle (comprehensive / own-damage)
- Theft of the vehicle
- Fire, explosion, lightning and self-ignition
- Natural calamities: flood, storm, cyclone, earthquake, landslide
- Riots, strikes and malicious damage
- Third-party liability: death, injury or property damage to others
- Personal accident cover for the owner-driver (compulsory unless you already hold eligible PA cover)
Usually not covered
- Normal wear and tear, and mechanical or electrical breakdown
- Driving without a valid driving licence
- Driving under the influence of alcohol or drugs
- Depreciation on parts (unless you buy zero-depreciation cover)
- Consequential loss, such as engine damage from driving in water (unless engine protection is added)
- Use outside the permitted purpose, e.g. a private car used as a taxi
Add-ons
Add-ons worth knowing
Small premium, big difference at claim time. We'll tell you which ones are worth it for your vehicle's age and usage.
Zero Depreciation
Get the full cost of replaced parts, without deduction for depreciation on plastic, rubber, fibre and metal.
Engine Protection
Covers engine and gearbox damage from water ingress or oil leakage. Valuable in waterlogging-prone areas.
Return to Invoice
On total loss or theft, get the invoice value of the vehicle rather than just the depreciated IDV.
NCB Protection
Make a claim and keep your No Claim Bonus discount for the next year.
Roadside Assistance
Towing, flat tyre, battery jump-start, fuel delivery and help with lost keys.
Consumables Cover
Pays for nuts, bolts, engine oil, coolant and other consumables usually excluded in a claim.
Claims
Accident? Call us first.
A motor claim goes smoothly when it starts right. Here's how we help.
Stay safe & inform us
Call or WhatsApp +91 93067 50034 with photos. For theft or third-party injury, file an FIR with the police.
Intimate the insurer
We help you register the claim with the insurer immediately and get a claim number.
Survey & repair
Take the vehicle to a cashless network garage; we coordinate the surveyor inspection and approvals.
Settlement
Cashless: the insurer pays the garage. Reimbursement: we help you file bills and follow up until payment.
Keep Handy
Documents usually needed for a claim
Insurers may ask for more depending on the case. We'll give you the exact list for your claim.
- Policy copy / policy number
- Registration Certificate (RC)
- Driving licence of the driver at the time
- Claim form signed by the insured
- FIR (theft, third-party injury or major damage)
- Repair estimate and final invoice
- Photos of the damage / accident spot
- KYC (Aadhaar / PAN) and cancelled cheque for reimbursement
FAQs
Motor Insurance questions
Is third-party motor insurance mandatory?
Yes. Under the Motor Vehicles Act, 1988, every vehicle on a public road must have at least third-party liability insurance. Driving without it can attract fines and other penalties.
What is IDV?
Insured Declared Value (IDV) is the current market value of your vehicle as agreed in the policy. It is the maximum the insurer pays for total loss or theft. A lower IDV reduces premium but also reduces what you get in a big claim, so we help you pick the right figure.
What is No Claim Bonus (NCB) and can I transfer it?
NCB is a discount on the own-damage premium for every claim-free year, typically rising from 20% to 50% over five years. It belongs to you, not the vehicle, so you can carry it to a new insurer or a new vehicle with an NCB certificate or your previous policy.
My policy has expired. Can I still renew?
Yes. Third-party cover can be bought immediately. For own-damage cover after a break, the insurer may require a vehicle inspection, and NCB is usually lost if the break exceeds 90 days. Don't drive without valid insurance, so call us right away.
Is zero-depreciation cover worth it?
It's most valuable for vehicles up to about 5 years old, where parts are expensive and depreciation deductions can be large. We'll compare the extra premium against likely claim savings for your vehicle.
Do you insure tractors and commercial vehicles?
Yes. We arrange cover for goods and passenger carrying vehicles, tractors, and other special vehicles, including fleet policies for businesses.
Renewal due? Let's compare.
Share your vehicle number and we'll come back with options from multiple insurers.