Motor Insurance: Drive with Confidence, Stay Protected

Motor insurance is more than just a legal requirement—it’s your safeguard against unexpected financial burdens arising from road accidents, theft, or damages to your vehicle. Whether you own a car or a two-wheeler, the right motor insurance policy ensures peace of mind while you’re on the move.

• Third-Party Liability Cover: Protects you against legal liabilities for damages caused to another person, their property, or their vehicle.
• Own Damage Cover: Provides coverage for damages to your vehicle due to accidents, theft, fire, or natural calamities.
• Comprehensive Insurance: Combines third-party liability and own damage cover for all-round protection.
• Personal Accident Cover: Ensures financial security for the owner-driver in case of accidental injuries, disability, or death.
• Coverage for Add-Ons: Enhance your protection with optional covers such as:
  • Zero Depreciation Cover: Ensures full claim amount without factoring in depreciation.
  • Roadside Assistance: Provides support in case of breakdowns or emergencies.
  • Engine Protection: Covers damages to the engine due to water ingression or leakage.
  • Consumables Cover: Covers costs of items like engine oil, brake fluid, or nuts and bolts during repairs.
  • Return to Invoice – Covers the gap between IDV and cost of new vehicle on road value. 
  • Tyre Cover – Covers damage to tyres

Choosing the right motor insurance policy requires understanding its terms and conditions:

• Insured Declared Value (IDV): The maximum sum insured for your vehicle. Ensure it reflects your vehicle’s market value for adequate compensation.
• No Claim Bonus (NCB): Rewards you with a discount on premiums for claim-free years.
• Deductibles: Understand the voluntary and compulsory deductibles, which affect the claim amount payable by you.
• Cashless Garage Network: Check for a wide network of garages for cashless repair services.
• Policy Exclusions: Familiarize yourself with scenarios not covered by the policy, such as drunk driving or consequential damages.