Motor insurance protects your vehicle against financial loss from accidents, theft, fire, and natural calamities. Whether you own a two-wheeler, car, or commercial vehicle — the right motor policy ensures you're covered on every journey.
Types of Motor Insurance
- Third-Party Liability Insurance: Mandatory under the Motor Vehicles Act. Covers injury/death of third parties and damage to their property.
- Own Damage Insurance: Covers damages to your vehicle due to accidents, fire, or natural calamities. Ideal for vehicles with an existing third-party policy.
- Comprehensive Insurance: Combines both third-party liability and own damage cover in a single policy for complete protection.
Inclusions
- Accidental Damage
- Theft Coverage
- Fire & Explosion Damage
- Natural Calamities (floods, earthquakes, storms)
- Third-Party Liability
- Personal Accident Cover (owner-driver)
- Towing Assistance
Exclusions
- Normal Wear & Tear
- Driving Without a Valid License
- Vehicle Used for Illegal Activities
- Consequential Damage
- Non-Accidental Claims
- War & Nuclear Risks
- Driving Under Influence of Alcohol / Drugs
Add-On Covers for Enhanced Protection
- Zero Depreciation Cover: Full claim amount without depreciation deduction.
- Engine Protection Cover: Covers engine damage due to water ingress or oil leaks.
- Consumables Cover: Covers expenses on nuts, bolts, lubricants, and other consumables.
- Roadside Assistance Cover: Get help with towing, fuel delivery, and minor repairs.
- Return to Invoice Cover: Get the invoice price of your vehicle in case of total loss.
- Key Replacement Cover: Covers the cost of replacing lost or stolen keys.
- Personal Accident Cover for Passengers: Financial protection for passengers in case of injury.
- Tyre Protection Cover: Covers damages to tyres due to accidental punctures or bursts.
- Loss of Personal Belongings Cover: Covers loss of valuable items inside the insured vehicle.
- Legal Liability Cover: Provides legal expense coverage for accidents involving your vehicle.
