Motor Insurance
Compare car, bike, and commercial vehicle insurance plans from India’s top insurers. Instantly buy or renew motor insurance online to get protection against accidents, theft, and third-party liabilities. Enjoy affordable premiums, cashless garage repairs, and 24×7 roadside assistance.
Health Insurance
What is Motor Insurance?
Motor insurance is a policy that provides financial protection against losses or damages to your vehicle due to accidents, theft, fire, natural disasters, or third-party liabilities. In India, motor insurance is mandatory under the Motor Vehicles Act, 1988 for all vehicles driven on public roads.
Types of Motor Insurance
- Third Party Insurance: Covers legal liability for injury, death, or property damage caused to a third party.
- Comprehensive Insurance: Covers third-party liability along with damage to your own vehicle.
- Standalone Own Damage Policy: Covers damage to your vehicle without third-party coverage.
Car Insurance
Car insurance protects private and commercial cars against accidents, theft, fire, vandalism, and natural calamities. A comprehensive car insurance policy also covers third-party liabilities and offers optional add-ons for enhanced protection.
- Mandatory third-party coverage
- Optional own-damage cover
- Add-ons like zero depreciation and engine protection
- Cashless repair at network garages
Bike Insurance
Bike insurance provides coverage for two-wheelers such as motorcycles and scooters. It protects riders from financial losses due to accidents, theft, or third-party liabilities and is mandatory for all two-wheelers in India.
- Covers accidents, theft, and fire
- Third-party liability coverage
- Affordable premiums
- Optional add-ons for enhanced protection
Third Party vs Comprehensive Insurance
- Third Party Insurance: Legally mandatory, low premium, but no cover for own vehicle damage.
- Comprehensive Insurance: Higher premium, but offers complete protection including own damage and add-ons.
Add-on Covers
- Zero Depreciation Cover
- Engine & Gearbox Protection
- Roadside Assistance
- Return to Invoice
- Consumables Cover
Top Motor Insurance Companies in India
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
- Tata AIG
- Reliance General Insurance
- Digit Insurance
- Cholamandalam MS
Factors Affecting Motor Insurance Premium
- Vehicle type and age
- IDV (Insured Declared Value)
- City of registration
- No Claim Bonus (NCB)
- Add-on covers selected
- Driving and claim history
How to Buy or Renew Motor Insurance Online?
- Enter vehicle details and registration number
- Compare plans from top insurers
- Select coverage and add-ons
- Make secure online payment
- Get instant policy on email
Learn More About Motor Insurance
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