Motor Insurance
Explore motor insurance options designed to help protect your car or two-wheeler against covered risks and unexpected situations on the road.
Motor Protection
Car • Two-Wheeler • Road
Why motor insurance?
Your vehicle is part of everyday life — from work and family commitments to weekend journeys. Motor insurance can help provide financial protection against covered risks and support you through eligible incidents.
Choosing suitable coverage means understanding what is included, what is excluded and what responsibilities apply under the policy.
Explore protection options for private cars and understand the coverage that may apply to your vehicle.
Explore insurance protection for motorcycles and scooters and understand the coverage available for your ride.
Coverage structures
Third-party motor insurance provides cover for certain legal liabilities arising from damage or injury caused to a third party, subject to applicable law and policy terms.
Legally required for vehicles in India, subject to applicable regulations.
Comprehensive policies can combine third-party liability protection with coverage for the insured vehicle, depending on the policy terms.
Own damage cover can provide protection for the insured vehicle against specified risks, subject to the policy's terms and conditions.
Coverage overview
Important to know
Coverage may be affected when applicable legal or policy requirements are not met.
Intentional acts may be excluded under policy terms.
Routine wear and deterioration are generally treated differently from accidental damage.
Each policy can contain additional exclusions and conditions.
Always read the policy wording carefully. Exclusions vary by insurer and product.
Pricing factors
The vehicle model and characteristics can influence pricing.
Age and condition of the vehicle may be considered.
Location-related factors may influence risk assessment.
The type and extent of coverage selected can affect premium.
Relevant claim history may be considered when determining pricing.
Actual premium calculations depend on the insurer, vehicle and individual circumstances.
Claims overview
Understanding the general claim journey can help you be better prepared. Actual claim procedures vary by insurer.
Prioritise safety and follow applicable emergency procedures.
Notify the appropriate authorities or insurer where required.
Provide the documents and information requested by the insurer.
The insurer may assess the incident and applicable coverage.
The claim may be processed according to the policy terms and applicable assessment.
Evaluation guide
Use this general checklist to evaluate motor insurance options carefully.
Start Your EnquirySupport
Clear answers to common questions about motor insurance concepts and the enquiry process.
Ask a QuestionMotor insurance is insurance designed to provide protection for vehicles and/or third-party liabilities according to the applicable policy and legal requirements.
Third-party insurance generally provides protection for certain legal liabilities arising from injury or damage caused to a third party, subject to applicable law and policy terms.
A comprehensive policy may combine third-party liability coverage with protection for the insured vehicle, depending on the policy.
Own damage cover is designed to provide protection for the insured vehicle against specified risks, subject to the policy terms.
Some policies can provide coverage for vehicle theft, subject to the applicable terms and conditions.
Normal wear and tear is generally treated differently from accidental damage and may not be covered. Refer to the policy exclusions.
Premium can depend on factors such as vehicle details, location, coverage selected and other risk-related factors.
Yes. Use the Get a Quote option to begin an enquiry. Actual pricing and eligibility depend on the applicable insurer and vehicle details.
Motor insurance products can differ in coverage, exclusions, deductibles, add-ons, claim procedures and other conditions. Information presented on this demo website is general in nature and should not be treated as a substitute for the applicable policy wording.
Explore motor insurance options designed around your vehicle and everyday journeys.