Smart Protection for Every Journey

Motor Insurance

Owning a vehicle brings freedom, but it also comes with immense responsibility. Under the Motor Vehicles Act, motor insurance is not just a smart financial decision — it is a legal necessity on Indian roads. It shields you from severe financial liabilities arising from accidents, theft, or unforeseen damages.

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Types of Motor Insurance Plans

Third-Party Insurance (The Legal Mandate)

The minimum statutory coverage required by law to legally drive any vehicle in India. It protects you against financial liabilities toward external parties.

✓Covers bodily injury or accidental death of a third party.
✓Covers property damage caused to a third party by your insured vehicle.

Important: It does not cover any damage to your own vehicle or injuries to yourself.

Comprehensive Insurance (All-Round Protection)

A robust, end-to-end plan that merges mandatory third-party liability with "Own Damage" protection to give you ultimate peace of mind.

✓Own Damage: repair costs for accidents, fire, explosions, self-ignition, or vandalism.
✓Natural & Man-made Calamities: floods, earthquakes, cyclones, riots, and strikes.
✓Theft Cover: reimburses the market value (IDV) if your vehicle is stolen and untraceable.

Must-Have Add-on Covers

A standard comprehensive policy can be upgraded to eliminate out-of-pocket expenses:

•Zero Depreciation (Bumper-to-Bumper): insurer pays 100% of part replacement without depreciation deduction.
•Return to Invoice (RTI): on total loss or theft, pays the original invoice value rather than depreciated value.
•No Claim Bonus (NCB) Protect: retain your NCB discount (up to 50%) even after a claim.
•Engine Protection Cover: covers engine repairs from water ingression during monsoons or oil leakage.

Core Benefits

•Cashless Garages: instant repairs at a vast network of partner garages, settled directly by the insurer.
•Compulsory Personal Accident (CPA) Cover: mandatory ₹15 Lakhs cover for the owner-driver.
•Hassle-Free NCB Transfer: carry your earned safety discount to a new policy when you change vehicles.

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