Motor Insurance

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  • Cover accidental damage to the vehicle
  • Coverage against third party legal liability claims
  • Compare plans from top vehicle insurance companies such as HDFC, Tata AIG and Go Digit
  • Cashless claim settlement facility
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Advantages of Motor Insurance

Comprehensive Coverage
Car insurance offers comprehensive coverage to vehicle against damage due to accident, theft, fire, vandalism, and natural calamities. Third party legal liability arising from the vehicle is also covered by the policy.
No-Claim Bonus
Motor insurance offers exciting discounts on renewal premium amount following every claim free year, hence saving premium amount by up to 50%. NCB benefit can be transferred if in case you change your vehicle.
Zero Depreciation
Vehicle insurance offers zero depreciation cover wherein your vehicle will be covered to full value without factoring in the depreciation. This means you will get the full amount on your claim.
Personal Accident Cover
The policy covers the owner against accident while driving the insured vehicle by indemnifying the medical treatment cost. Passengers, paid driver and other occupants can also be covered under the policy.

Benefits of Motor Insurance

Damage to Vehicle Cover

  • Motor insurance covers damage to the vehicle due to fire, explosion, self-ignition and other natural calamities such as an earthquake, flood, landslide and rockslide.
  • Damage to the vehicle caused by collision due to an accident is covered by the policy.
  • Policy will cover loss of vehicle due to burglary, theft or housebreaking. Loss due to riot and strikes can also be covered.

Third Party Liability Cover

  • Legal liability arising from the third party bodily injury or death resulting from an accident is covered by the vehicle insurance. This third party can be a driver of another vehicle, passengers or pedestrians.
  • The policy also covers the liability arising from the accidental damage to the surrounding property caused by your vehicle.
  • It is legally mandatory to cover all vehicles running on-road by third party car insurance.

Cashless Claims

  • Car insurance policy offers cashless claims facility in which you can repair your damaged vehicle using a network garage without paying the repair cost out of your pocket.
  • Several vehicle insurance companies offer the cashless facility at more than 4000 garages across the country.
  • This facility protects you from financial strain since the insurer directly handles the expenses.


A comprehensive car insurance policy offers a wide range of coverage against damage to the insured vehicle due to an accident, all legal liability arising from third-party bodily injury and property damage resulting from an accident in which the insured vehicle is involved, theft of vehicle, and personal accident cover.
Insured declared value or IDV refers to the sum insured of motor insurance. This is the maximum amount of compensation which the insurer will provide in case of total loss or theft of a vehicle. IDV is calculated by the manufacturer's listed selling price minus depreciation percentage of the vehicle over its years of age. This depreciation value ranges from 5% to 50% for a span of 5 years. Post 5th year, the IDV is calculated by mutual agreement between the insurer and the insured.
No-claim bonus (NCB) is the reward given by the insurance company in terms of discount in premium for every claim free year. That means if the policyholder has not filed a claim during the motor insurance tenure, then he will be eligible for the NCB. Generally, this discount ranges from 20% to 50% on policy premium.
There are many additional extensions available such as personal accident rider, car accessories cover, engine protection, roadside assistance, personal baggage cover, conveyance benefit and NCB protection. You can customise your policy by including these additional coverages.
The exclusions under the vehicle insurance include loss or damage to the vehicle due to war, gradual wear and tear of the vehicle, and damage to the engine in case of oil leakage. Driving under the influence of alcohol or drugs, damage to the vehicle due to illegal activities and driving without a valid driving license are also excluded from the policy.
The cashless claim in motor insurance is a facility wherein you are not required to pay any repairing charges to the garage, in case of accidental damage to your vehicle. The insurer will pay all the expenses to the garage directly. In order to avail this facility, you need to repair your vehicle in the insurer's network garage after an accident.
As soon as the claim occurs, you should intimate the insurer and file the claim. Then you should submit all the required documents along with claim form. Once the documents are submitted, the insurer will appoint the surveyor to inspect your vehicle. Then your vehicle will be towed to the garage as required, and cost of repairing is estimated. Once all the evaluation and verification is done, the claim will be processed.
In order to file the claim, you should submit a duly filled claim form with all the relevant documents to the insurer. These documents include the copy of RC (registration certificate), police FIR in case of theft, an estimate of the loss, and repair bills and invoice. Apart from these, the insurer may ask for additional documents depending upon the case of a claim.
In most cases, you will not require a police report in order to file a motor insurance claim. But there are certain cases wherein you have to submit the FIR report to the insurance company. These include third-party injury or death in case of an accident, third party property damage, theft of vehicle and damage to the vehicle due to terrorism, strike or riots.
The car insurance premium is calculated by considering various factors like type of car, the age of the car, cubic capacity (cc), and Insurance Declared Value (IDV). Also, previous policy history is an important factor which affects insurance premium while renewing the policy. The premium rates vary by insurer on the basis of coverage. Hence it is important to compare car insurance before buying.
Yes, the city where the vehicle is registered does affect the car insurance premium. The Indian Motor Tariff has categorised cities in two zones and each zone has different premium rates. Zone A consists of Delhi, Mumbai, Pune, Kolkata, Chennai, Bangalore and Hyderabad while Zone B consists of the rest of India. As Zone A consists of metro cities, it has higher premium rates than Zone B.
Engine damage cover offers indemnification against engine-related repairs or damages that may or may not be related to accidents. Comprehensive car insurance does not cover engine damage in basic coverage. But many insurers offer this extension as an add-on for which you need to pay extra premium.
In order to lower your premium, the most important thing you can do is increase the deductible. The deductible is an amount which insurer pays from his pocket at the time of claim. Apart from this, keeping a clean driving record, having a claim-free year, and coverage opted will also help you in reducing the premium. Installing safety features like anti-theft devices can also lower your premium up to some extent.
Yes, according to the Motor Vehicle Act, 1988, it is mandatory to buy a motor insurance policy which covers third-party liability for every vehicle running on the road. This ensures that if the third party is injured or their property is damaged due to your vehicle, the insurance will cover this claim.
Buying vehicle insurance online is quick and easy. In order to buy the best car insurance plan, you should compare the quotes from multiple insurers as the coverage and premium vary accordingly. This is necessary in order to get the best coverage at a lower price. You can compare plans by using the above car insurance calculator and choose a plan as per your requirements. Also, you can buy the policy instantly with no paperwork.
If someone else is driving the vehicle, you should make sure that the person holds a valid driving license. Also, you should make sure that your vehicle is not used for any activity which is illegal. You should ensure that the person is not driving your vehicle under the influence of alcohol or drugs. All these factors will affect the claim process.
The tenure of auto insurance is generally of one year and has to be renewed before the due date of the policy. Moreover, if the policy is not renewed on time then the accrued no-claim bonus is also lost. Hence you should make sure to pay the premium on time as there is no grace period in motor insurance.


What is covered under Motor Fleet Insurance?

Motor Fleet Insurance Policy will cover the following:
Fleet insurance provides the benefit of covering all vehicles under one policy. Loss or damage to vehicles by fire, accidents, burglary, natural calamities, and other unexpected causes
Third party injury or death & damage caused to property...
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What is not included in your Motor Fleet Insurance Policy?

There are many limitations to your standard motor fleet insurance policy. You should not think that a motor fleet insurance policy means zero-expenditure. Even a comprehensive insurance policy does not mean zero out-of-pocket expenditure.

Certain conditions when your motor fleet insurance papers will not help you. Wear and tear on your vehicles...
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How is Claim Estimated in General Insurance Policies?

Claims are estimated based on the:
Terms decided at the beginning of the policy
The type of policy
The type of asset insured
The Assessors Report
All claim payments under general insurance policies will also account for applicable deductible and co-payment clauses before paying the claim amount.
Here is how claim is estimated in different general insurance policies...
Read More

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