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  • Motor Insurance
      Motor Insurance
      Motor insurance, also known as car insurance or auto insurance, provides coverage for cars, trucks, motorcycles, and other road vehicles motor insurance is a type of vehicle insurance policy that protects you and your vehicle from any risks and damages caused from accidents, thefts or natural disasters So, you will be financially secure in case of any losses that may be incurred because of any such unforeseen circumstances. In addition to that, you will also be protected from third-party liabilities.

      Why do you need Car Insurance in India?


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      Financial Protection
      Protects against accidents, theft, and natural disasters, reducing financial burden.
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      Personal Accident Cover
      Provides compensation for accidental death or disability.
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      Peace of Mind
      Ensures financial security in case of accidents or theft.
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      Third-Party Claims
      Handles legal and financial aspects of third-party injuries or damages.
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      Legal Requirement
      It's mandatory for riding on public roads, covering third-party liabilities.
      What Insurance Covers
      Accidents

      Accidents

      Losses and damages that could occur as a result of an accident or collision.
      Fire

      Fire

      Covers accidental fire damages to you car.
      Theft

      Theft

      Covers stolen car losses.
      Thirdparty

      Third party losses

      When your car causes harm or damages to a person, vehicle, or property.
      Naturaldisaster

      Natural disaster

      Damage to you car due to nature’s fury - floods, cyclones, etc.
      Personalaccident

      Personal accident

      Provides coverage for your expenses in situations where you have sustained significant injuries.
      What Insurance not Covers?
      validlicense

      Riding without valid license

      Accidents that occur while riding without a valid license are not covered.
      Drunkriding

      Drunk riding

      Damages resulting from riding under the influence of alcohol or drugs are not covered.
      Speedtest

      Speed testing and racing

      Damages caused due to speed testing or organized racing are not covered.
      Damage

      Damage to your personal property

      Damages to your personal property are not covered incase of third party car insurance.
      tear

      Wear and tear

      Usual wear and tear or maintenance is not covered.
      Consequential

      Consequential loss

      Losses due to indirect results of an accident are not covered.
      Popular Add On Covers Insurance
      Zero Depreciation Cover
      Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.
      Return to Invoice Cover
      In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively
      Engine and Gear-box Protection Cover
      Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damages caused during the accident are covered.
      Type Protect Cover
      That's why this type protect add-on gives you the benefit to safeguard and cover for type damages such as type bursts, bulges or cuts during all other situations possible.
      Consumable Cover
      A consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.
      Key and Lock Protect
      The cost incurred by the policyholder for repairing or replacement of the lockset in the car in case of theft, loss or damage is covered by the insurer as part of the Key and Lock Protect add-on cover.
      Roadside Assistance
      Get roadside assistance cover for your car! If it breaks down while driving, the insurer helps with minor repairs, towing, and more. Stay worry-free!
  • Bike Insurance
      Bike Insurance
      Two-wheeler insurance is very important for people who own motorcycles, scooters, or mopeds. It gives complete coverage for accidents, theft, and if someone else gets hurt or their property gets damaged because of your vehicle. In many places, like India, it’s required by law to have at least insurance for any harm you cause to others

      Why do you need Bike Insurance in India?


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      Comprehensive insurance
      Comprehensive Bike Insurance is the best type of insurance cover for your bike as it covers damages to your bike and third-party liabilities.
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      Own damage insurance
      Own Damage Insurance covers only damage to your bike. It also covers natural and man-made calamities.
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      Third-party insurance
      Third Party Insurance is mandatory cover as per law. It covers damages & losses caused to third-party person, vehicle and property.
      What Insurance Covers
      bikeAccidents

      Accidents

      Losses and damages that could occur as a result of an accident or collision.
      bikefire

      Fire

      Covers accidental fire damages to your two-wheeler.
      bikeTheft

      Theft

      Covers stolen two-wheeler losses.
      Thirdpartybike

      Third party losses

      When your bike causes harm or damage to a person, vehicle, or property.
      disasterbike

      Natural disaster

      Damage to your two-wheeler due to nature’s fury - floods, cyclones, etc.
      Personalaccidentbike

      Personal accident

      Provides coverage for your expenses in situations where you have sustained significant injuries.
      What Insurance not Covered
      bikeAccidents

      Own Damages for Third-Party Policy holder

      In the case of a Third-Party or Liability Only Bike Policy, damages to own vehicle won’t be covered.
      bikefire

      Drunk Riding or without a Licence

      Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
      bikeTheft

      Driving without a valid Driving Licence holder

      If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.
      Thirdpartybike

      Consequential Damages

      Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it is considered as consequential damage and it will not be covered)
      disasterbike

      Contributory Negligences

      Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
      Personalaccidentbike

      Add-ons not Bought

      Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
      Popular Add On Covers Insurance
      Zero Depreciation Cover
      Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration.
      Return to Invoice Cover
      If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same
      Engine and Gear-box Protection Cover
      Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered.
      Consumable Cover
      The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.
      Breakdown Assistance
      The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.
      Type Protect
      The type protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged types with equivalent or near equivalent to the one being used in the vehicle.
  • Commercial Vehicle
      Commercial Vehicle
      Commercial Vehicle Insurance, as the name suggests, is a motor insurance policy that covers damages and losses caused to or by a commercial vehicle and the respective owner-driver.

      It is mandatory in India as it provides coverage to both the parties involved in the accident, covering injury and even death. The policy can be customised as per your specific needs by opting for add-ons.

      The policy covers damages or losses due to accidents, collisions, natural calamities, fires, etc. It is mandatory for all businesses to buy a commercial vehicle insurance online for their vehicles, such as for auto-rickshaws, taxis, school buses, tractors, commercial vans and trucks, amongst others.

      Types of Commercial Vehicle Insurance

      Comprehensive Commercial Vehicle Insurance Policy
      The comprehensive policy offers coverage against damages to the commercial vehicle caused due to accidents, calamities, theft, etc. It also offers third-party liability coverage, such as damages to the third-party property or accidental injury/disability or death of the third party. This policy provides a financial backup if your vehicle is damaged or causes damage/losses to a third party.

      Third-Party Liability Commercial Vehicle Insurance Policy
      As the name suggests, this policy provides coverage against third-party liabilities. It is a law-mandated policy that every commercial vehicle owner must buy to comply with the law. It covers damages to third-party property or vehicle and injuries/disabilities or death of the third party caused due to the insured commercial vehicle.

      Types of Commercial Vehicles Covered under Commercial Vehicle Insurance
      Here are the types of commercial vehicles covered under the Commercial Vehicle Insurance Policy.

      Trucks Buses Cabs Vans Trailers

      Tractors Coaches Shovels Cranes

      Bulldozer




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