From mandatory third-party cover to comprehensive zero-depreciation protection, we help you compare plans, add-ons and premiums so your vehicle — and your pocket — stay protected on every road.
Motor insurance is legally required in India for every vehicle. The right policy protects against accidents, theft, third-party liability and expensive repair bills.
Understand the difference between basic legal cover and complete protection before you decide.
Mandatory legal cover that protects you against liability to another person or their property (third party). Does not cover damage to your own vehicle.
Covers loss or damage to your own vehicle from accident, fire, theft, riot, natural calamities and more. Often bundled into a comprehensive policy.
The most popular choice — combines third-party liability with own-damage cover, plus add-ons like engine protection and roadside assistance.
Quick comparison of what each plan covers so you can match it to your driving needs.
| Coverage | Third-Party | Own Damage | Comprehensive Recommended |
|---|---|---|---|
| Third-party liability | ✓ | ✗ | ✓ |
| Own vehicle damage | ✗ | ✓ | ✓ |
| Fire & theft | ✗ | ✓ | ✓ |
| Natural calamities | ✗ | ✓ | ✓ |
| Add-ons (zero-dep, engine, RSA) | ✗ | ✗ | ✓ |
| NCB protection | — | — | ✓ |
| Premium level | Low | Medium | Higher |
Customise your policy with add-ons that cover exactly what matters to you and your vehicle.
Claim full value of replaced parts without depreciation deduction — ideal for new cars.
Covers engine damage from water ingression, oil leakage and other specified perils.
24×7 emergency help — towing, flat tyre, battery jump and fuel delivery.
No Claim Bonus stays intact even after your first claim — protects your discount.
Get a fixed cash amount for each day your vehicle is in the garage for repairs.
Reimburses costs of nuts, bolts, brake pads, oil and other consumables during a claim.
Covers the cost of replacing lost or damaged keys and locks of your vehicle.
Get back the full invoice value of your vehicle in case of total loss or theft.
Detailed breakdown of the key motor insurance cover types available for cars and two-wheelers.
Protection for your four-wheeler against accidents, theft, third-party liability and natural calamities, with add-ons for complete peace of mind.
Affordable protection for your bike or scooter, combining legal liability cover with own-damage protection and optional add-ons.
Multi-year motor insurance (up to 5 years for two-wheelers, 3 years for new cars) that ensures continuous cover without renewal hassle.
Optional owner-driver cover that pays a lump sum in case of accidental death or disability while driving your insured vehicle.
From comparison to cashless claims, we guide you through the entire process.
Tell us your vehicle make, model, year and registration state.
Pick third-party, comprehensive, or add-ons that fit your needs.
We compare options across insurers to find the best value.
Complete purchase and get claim assistance whenever needed.
Quick answers to the questions we hear most often from drivers.
Yes. Third-party motor insurance is legally required for every vehicle under the Motor Vehicles Act. Driving without it can lead to penalties and legal liability.
Third-party covers only damage or injury you cause to others. Comprehensive adds cover for your own vehicle's damage, theft and fire, plus access to add-ons.
It removes the depreciation deduction on replaced parts during a claim, so you receive the full or near-full value of new parts instead of a depreciated amount.
No Claim Bonus is a discount on your premium for every claim-free year. NCB protection add-on keeps this discount intact even after your first claim.
Yes. If you sell your vehicle, the policy can be transferred to the new owner. You may also be eligible for a proportionate refund upon cancellation.
Ensure safety, note the details, take photos, inform the police if required, and raise a claim with your insurer promptly. We help you through the entire process.
Get a free, no-obligation motor insurance comparison for your car or bike.