Car Insurance
Cover for privately owned cars, available as third-party or comprehensive.
- Own-damage cover under a comprehensive policy
- Add-ons such as zero depreciation or roadside assistance
- IDV chosen at the time the policy is issued
Protect Your Vehicle. Drive With Confidence.
Guidance on car, two-wheeler and commercial vehicle insurance - including comprehensive versus third-party cover, add-ons and renewal support.
- Car, two-wheeler and commercial vehicle cover explained
- Renewal assistance and policy support
- Understand IDV, No Claim Bonus and add-on covers
Cover for Every Type of Vehicle
Different vehicles carry different risks, usage patterns and documentation requirements.
Two-Wheeler Insurance
Cover for motorcycles and scooters, with multi-year options offered by some insurers.
- Third-party or comprehensive options
- Personal accident cover for the owner-driver where applicable
- Straightforward renewal process
Commercial Vehicle Insurance
Cover for vehicles used for business - goods carriers, passenger vehicles and taxis.
- Underwriting reflects usage, load and route
- Permits and driver documentation are relevant
- Fleet requirements can be discussed separately
Vehicle Insurance Renewal
Renewing before expiry keeps cover continuous and protects accrued benefits.
- No Claim Bonus carried forward when renewed in time
- Inspection may be required after a break in cover
- A good moment to review IDV and add-ons
Cover Types
Comprehensive Insurance
A comprehensive policy combines third-party liability cover with own-damage cover for your vehicle. Depending on the policy wording, own-damage cover may respond to accidental damage, fire, theft and certain natural events.
- Includes the third-party component along with own-damage cover
- Claim amounts are subject to IDV, depreciation and the applicable deductible
- Optional add-ons can change how depreciation is applied at claim time
- Exclusions typically include wear and tear and driving without a valid licence
Third-Party Insurance
Third-party cover is intended to meet your legal liability towards another person for injury or damage caused by your vehicle. It does not cover damage to your own vehicle.
- Covers liability to third parties within the policy terms
- Damage to your own vehicle is not covered under this cover alone
- Motor insurance requirements are set by the law applicable where the vehicle is registered
Checklist
What to Consider Before Choosing a Policy
- Cover type - comprehensive or third-party, based on the vehicle's age and value
- IDV - set realistically; it caps a total-loss claim
- Deductibles - the compulsory and voluntary excess you would bear
- Add-ons - worth the premium only if they match how you use the vehicle
- No Claim Bonus - check it is carried across correctly when you switch insurer
- Claim process - cashless garage network in the areas you drive
- Exclusions - read them before, not after, an incident
Renewing soon?
Send your vehicle type, registration number and whether it is a new policy or a renewal.
We will come back to you with guidance on what to check.
Vehicle Insurance - Frequently Asked Questions
General information on motor cover, claims and renewals.
What is the difference between third-party and comprehensive cover?
Third-party cover is intended to meet your legal liability for injury or damage caused to another person or their property. Comprehensive cover includes that third-party element and additionally covers damage to your own vehicle, within the terms and exclusions of the policy.
What is Insured Declared Value (IDV)?
IDV is the value assigned to your vehicle in the policy and is generally the maximum amount payable in the event of a total loss or theft. It is normally based on the manufacturer's listed price adjusted for depreciation, and it affects both the claim amount and the premium.
What is No Claim Bonus?
No Claim Bonus is a discount that typically accrues for each consecutive claim-free policy year, up to a maximum defined by the insurer. Making a claim usually resets or reduces it, which is one reason small claims are sometimes not worth making.
What happens if I let my policy lapse?
A lapsed policy can mean the vehicle is uninsured, and accumulated No Claim Bonus may be lost if the gap exceeds the period the insurer allows. Insurers commonly require a vehicle inspection before issuing cover after a break.
Can I transfer my policy when I sell the vehicle?
Insurers generally allow a motor policy to be transferred to a new owner along with the vehicle, subject to their process and documentation. The No Claim Bonus normally belongs to the person, not the vehicle, and is handled separately.
What are add-on covers?
Add-ons are optional covers purchased with a comprehensive policy - zero depreciation, engine protection, roadside assistance and return-to-invoice are common examples. Each carries its own premium and its own conditions in the policy wording.
Do you help with commercial vehicle insurance?
Yes. Commercial vehicle requirements differ from private ones in the way the vehicle is used, who drives it and what it carries. Describe the vehicle and its use in the enquiry form and we will explain what typically applies.
Enquiry Form
Get a Vehicle Insurance Quote
Share your vehicle details and whether this is a new policy or a renewal.
- No obligationAn enquiry is a conversation, not a commitment.
- Guidance firstWe explain the options before anything is decided.
- Your details stay privateUsed only to respond to your enquiry.
- Enquire from anywhereCustomers across India and internationally are welcome.
Get Your Insurance Enquiry Started
Tell us what you need and our team will get in touch with you.
Other Insurance Services
Explore the other areas we can help you with.
Health Insurance
Protect yourself and your family against unexpected medical expenses with suitable health insurance options.
- Individual Health Insurance
- Family Health Insurance
- Senior Citizen Health Insurance
- Hospitalization Coverage Options
- Health Insurance Guidance
Life Insurance
Plan for your family's financial security and long-term protection with suitable life insurance solutions.
- Term Insurance
- Life Protection Plans
- Family Financial Protection
- Long-Term Planning
- Life Insurance Guidance
General Insurance
Explore insurance solutions for a wide range of personal and business protection needs.
- Travel Insurance
- Property Insurance
- Business Insurance
- Personal Accident Insurance
- Other General Insurance Solutions
Policy Expiring Soon?
Message us with your vehicle details and we will help you review your renewal options in good time.