Third-party motor insurance is compulsory for every vehicle on Indian roads under the Motor Vehicles Act, 1988. A comprehensive policy adds cover for damage to your own vehicle, theft and natural calamities. We compare options, carry forward your No Claim Bonus and stay with you through the claim, from the survey to the garage.
Who needs it
- Every car, scooter, motorcycle and commercial vehicle owner (third-party cover is mandatory)
- Owners of new or financed vehicles who want full own-damage protection
- Fleet and goods-carrier owners who need commercial vehicle cover
What's covered
Third-party liability
Injury, death or property damage you cause to others. Mandatory by law.
Own damage
Repairs after an accident, fire, explosion or self-ignition (comprehensive policies).
Theft
The insured declared value (IDV) if your vehicle is stolen and not recovered.
Natural and man-made calamities
Flood, storm, earthquake, landslide, riots and strikes.
Personal accident for the owner-driver
Compulsory cover for the owner-driver, unless you already hold a qualifying personal accident policy.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Driving without a valid licence or under the influence of alcohol or drugs
- Normal wear and tear, and mechanical or electrical breakdown
- Depreciation on replaced parts (unless you add zero-depreciation cover)
- Consequential loss, e.g. engine damage from driving through water after a breakdown
- Using a private vehicle for commercial purposes
Popular add-ons
Zero depreciation
Claim the full cost of replaced parts, without deduction for age.
Engine protection
Covers engine and gearbox damage from water ingress or oil leakage.
Return to invoice
Pays the original invoice value if the vehicle is stolen or written off.
Roadside assistance
Towing, flat tyre, battery jump-start and fuel delivery.
NCB protection
Keep your No Claim Bonus even after a claim.
Documents checklist
To get a quote or buy
- Registration certificate (RC)
- Previous policy copy (for renewal)
- Driving licence of the owner
- PAN card and Aadhaar (or another officially valid ID) for KYC
To make a claim
- Policy copy and RC
- Driving licence of the person driving
- Photos of the damage and the spot
- FIR (for theft, third-party injury or major accidents)
- Repair estimate and final bills from the garage
- Cancelled cheque for reimbursement
Frequently asked questions
What is IDV?
The Insured Declared Value is roughly the current market value of your vehicle. It is the most the insurer pays if the vehicle is stolen or a total loss. A very low IDV cuts the premium but also the payout.
What is No Claim Bonus (NCB)?
A discount on the own-damage premium for every claim-free year, rising step by step up to 50%. It belongs to you, not the vehicle, so it can move to your next vehicle.
My policy has expired. Can I still renew?
Yes. Renew immediately: you are not covered until the new policy starts, driving uninsured is an offence, and after 90 days the NCB is lost. The insurer may need an inspection.
Should I claim for small damage?
Often not. A small claim can cost you more in lost NCB than the repair itself. Call us and we will do the maths with you.
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ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
Mon–Sat, 9 am – 7 pm