Third-Party (TP)
The legal minimum. Pays for injury or damage you cause to others, but nothing for your own vehicle.
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Car · Two-wheeler · Commercial vehiclesThird-party cover is compulsory by law in India — but that only pays for damage you cause to others. Comprehensive cover also protects your own vehicle against accidents, theft, fire and natural calamities. We help you pick the right cover and the add-ons that actually matter.
Motor insurance is a contract that protects you financially if your vehicle is damaged or stolen, and covers your legal liability if you injure someone or damage their property with your vehicle. In India, at least third-party motor insurance is mandatory under the Motor Vehicles Act.
Exact inclusions and exclusions are governed by the insurer's policy wording — we help you read the fine print.
Looking for a specific vehicle? See our dedicated guides to Two-Wheeler Insurance and Commercial Vehicle Insurance.
The legal minimum. Pays for injury or damage you cause to others, but nothing for your own vehicle.
Third-party + Own Damage. Covers your own vehicle against accident, theft, fire and calamities. Recommended for most owners.
Own-damage-only cover you can buy alongside a valid third-party policy — useful for flexible renewals.
Get the full cost of replaced parts at claim time, without depreciation cut. A must for new or financed cars.
Covers engine and gearbox damage (e.g. from water ingress) that a standard policy excludes.
Towing, flat-tyre help, fuel delivery and minor on-spot repairs when you're stuck.
On total loss or theft, get the full invoice value of the car — not just its depreciated value.
Keep your No Claim Bonus even after making a claim, so your renewal stays cheaper.
Covers items like engine oil, nuts & bolts, and the cost of lost/damaged keys.
The Insured Declared Value is what you get if the car is stolen or written off. Too low saves premium but underpays a claim; too high wastes premium. We help you set it right.
For cars under ~5 years, zero-depreciation dramatically increases what you actually receive at claim time.
Make sure the insurer has cashless garages near your home and workplace — it makes claims painless.
The cheapest premium isn't the best policy. A good claims record and support matter more when you need it.
NCB is a discount that grows every claim-free year (up to 50%) and is portable when you switch insurers — don't lose it at renewal.
As a licensed insurance broker, we work for you — not one insurer. We make buying and claiming simple and unbiased.
Yes — at least third-party motor insurance is legally required to drive on Indian roads. Own-damage (comprehensive) cover is optional but strongly recommended, and often required if your vehicle is financed.
Insured Declared Value is the current market value of your vehicle set in the policy. It's the maximum amount you receive if the vehicle is stolen or a total loss, so setting it correctly matters.
Normally, insurers deduct depreciation on replaced parts at claim time. A zero-depreciation add-on waives that deduction, so you get the full part cost — especially valuable for newer cars.
NCB is a discount on your own-damage premium that grows for every claim-free year, up to 50%. It's yours and stays with you even if you change insurers — we make sure you don't lose it at renewal.
Driving on an expired policy is illegal and risky. Renew immediately; a break may require an inspection and can affect your NCB. Talk to us and we'll sort it out quickly.
Tell us about your vehicle and we'll compare suitable policies and add-ons for you, with no obligation.
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