Car and bike insurance with the right add-ons
Third-party motor insurance is mandatory in India, but the right comprehensive policy protects your own vehicle too. We compare premiums, add-ons, insured declared value (IDV) and cashless garage networks so you get the best value at renewal.
- Comprehensive, third-party and own-damage covers
- Keep your No Claim Bonus when you switch insurers
- Help with surveys and cashless garage claims
Get a Free Motor Insurance Quote
Share your details and an advisor will call you back with options from 35+ insurers.
What Motor Insurance covers
Common benefits across plans. Exact cover, limits and exclusions vary by insurer and policy.
Accidental damage
Repair or replacement costs for damage to your own vehicle in an accident.
Theft
Compensation up to the insured declared value (IDV) if your car or bike is stolen.
Fire & natural calamities
Damage from fire, floods, cyclones, earthquakes and other natural disasters.
Third-party liability
Legal liability for injury, death or property damage caused to others — mandatory under the Motor Vehicles Act.
Personal accident cover
Compulsory cover for the owner-driver against death or permanent disability in an accident.
Man-made events
Damage from riots, strikes, vandalism or malicious acts.
Types of Motor Insurance
Comprehensive car insurance
Covers damage to your own car plus third-party liability in one policy.
Third-party insurance
The legal minimum cover. Protects you against liability to others, but not damage to your own vehicle.
Standalone own-damage cover
Own-damage cover for vehicles that already have a long-term third-party policy.
Two-wheeler insurance
Comprehensive and third-party plans for bikes and scooters.
Commercial vehicle insurance
Cover for taxis, goods carriers, buses and other business vehicles.
Electric vehicle insurance
Plans and add-ons suited to EVs, including battery protection.
How to choose the right Motor Insurance
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Add zero depreciation
Without it, the insurer deducts depreciation on parts like plastic and rubber. Zero-dep cover is especially valuable for cars under five years old.
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Set the right IDV
A low IDV reduces the premium but also your payout for theft or total loss. Keep it close to your vehicle’s market value.
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Protect your No Claim Bonus
Your NCB discount on own-damage premium grows each claim-free year and stays with you, not the vehicle, when you switch insurers.
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Renew before expiry
A lapsed policy may need a fresh inspection, and a gap of more than 90 days can mean losing your NCB.
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Check the garage network
Cashless repairs are only available at the insurer’s network garages near you.
Buy Motor Insurance through a broker you can trust
Unbiased Comparison
We compare plans from 35+ insurers and recommend what fits you, not what pays us most.
Right Cover, Not Just Cheapest
We look at coverage, exclusions and claim experience, not just the premium.
Claim Support
We stay with you through the claim process, from filing to settlement.
IRDAI Registered Broker
Direct Insurance Broker (Life & General), IRDAI Registration No. 1190.
Motor Insurance FAQs
Is car insurance mandatory in India?
Yes. Under the Motor Vehicles Act, 1988, every vehicle on a public road must have at least third-party insurance. Driving without it can lead to fines and other penalties.
What is zero depreciation cover?
It is an add-on that removes the depreciation deduction on replaced parts during a claim, so you get the full cost of parts as per policy terms. It usually costs a little more but can save a lot on claims.
What is a No Claim Bonus (NCB)?
It is a discount on the own-damage premium for every claim-free year, rising up to 50%. The NCB belongs to you, so you can transfer it to a new vehicle or a new insurer.
What is IDV in motor insurance?
The Insured Declared Value is the maximum amount the insurer will pay if your vehicle is stolen or damaged beyond repair. It is based on the manufacturer’s price minus depreciation for the vehicle’s age.
Can I switch my motor insurer at renewal?
Yes. You can move to a different insurer at renewal and carry over your No Claim Bonus. We compare options for you before your policy expires.
What should I do right after an accident?
Make sure everyone is safe, take photos of the damage, inform your insurer to get a claim number, and file an FIR if there is theft, injury or major third-party damage. Don’t start repairs before the insurer’s surveyor inspects the vehicle.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations and terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Tax benefits are subject to changes in tax laws.
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