Car, Bike & EV Insurance That Actually Covers You
Get comprehensive motor insurance with cashless claims at 5000+ garages, zero-dep cover, and no-hassle renewals. From budget third-party to full own-damage protection - we compare plans across all major insurers to find your best fit.
Why Motor Insurance Matters
Legal Compliance
Third-party insurance is mandatory by law. Avoid hefty penalties and legal complications.
Financial Protection
Repair costs can run into lakhs. Comprehensive cover protects you from sudden expenses.
Peace of Mind
Drive worry-free knowing accidents, theft, and natural calamities won't drain your savings.
Motor Insurance Plans
Car Insurance
Coming SoonComprehensive and third-party cover for private cars
Key Features:
- ✓Own damage + Third-party liability
- ✓Zero depreciation add-on
- ✓Engine & gearbox protection
- ✓Roadside assistance
Ideal for: Private car owners, sedan/SUV/hatchback owners
Bike Insurance
Coming SoonTwo-wheeler insurance for motorcycles and scooters
Key Features:
- ✓Theft and accident coverage
- ✓Personal accident cover
- ✓Accessories protection
- ✓No-claim bonus benefits
Ideal for: Motorcycle, scooter, and two-wheeler owners
Electric Vehicle (EV) Insurance
Coming SoonSpecialized cover for electric cars and bikes
Key Features:
- ✓Battery protection
- ✓Charging cable & equipment cover
- ✓Loss of charging cover
- ✓Roadside assistance for EVs
Ideal for: Electric car and e-bike owners
Commercial Vehicle Insurance
Coming SoonCover for goods carriers, taxis, and fleet vehicles
Key Features:
- ✓Public/passenger liability
- ✓Goods in transit cover
- ✓Driver and conductor PA
- ✓Fleet discounts available
Ideal for: Taxi operators, logistics companies, fleet owners
Third-Party Liability Only
Coming SoonMandatory cover for damage caused to others
Key Features:
- ✓Legal liability coverage
- ✓Bodily injury compensation
- ✓Property damage liability
- ✓Fixed premium by IRDAI
Ideal for: Budget-conscious owners, old vehicles
Standalone Own Damage
Coming SoonAdd own damage cover to existing third-party policy
Key Features:
- ✓Damage to your vehicle only
- ✓Natural calamity protection
- ✓Theft and fire cover
- ✓Flexible coverage options
Ideal for: Owners with active third-party policy
Comprehensive vs Third-Party: Which Do You Need?
Comprehensive Insurance ✓
- ✓Covers damage to your vehicle
- ✓Covers damage to others' property
- ✓Theft, fire, natural calamities
- ✓Personal accident cover included
Best for: New cars, valuable vehicles, peace of mind seekers
Third-Party Only
- ✓Covers damage to others' property
- ✗Your vehicle damage NOT covered
- ✗Theft and fire NOT covered
- ✓Personal accident cover included
Best for: Old vehicles, budget constraints, legal compliance only
💡 Advisor Tip: If your car is less than 5 years old, comprehensive + zero-dep is highly recommended. The premium difference is just ₹2,000-4,000/year, but it can save you ₹50,000+ in repair costs during a claim.
Essential Add-Ons for Complete Protection
Zero Depreciation
No depreciation deduction on parts during claim settlement
Engine Protection
Cover for engine and gearbox damage due to water ingress
Return to Invoice
Get full invoice value in case of total loss or theft
Roadside Assistance
24x7 towing, fuel delivery, and emergency support
Consumables Cover
Coverage for nuts, bolts, oils, and other consumables
NCB Protection
Retain No Claim Bonus even after making a claim
What's Typically Covered
Covered ✓
- ✓Accident damage (collision, overturning)
- ✓Fire, explosion, lightning
- ✓Theft and burglary
- ✓Natural calamities (flood, earthquake, landslide)
- ✓Man-made disasters (riot, strike, terrorism)
- ✓Third-party property and bodily injury
Not Covered ✗
- ✗Drunk driving or driving without license
- ✗Consequential loss (loss of use, depreciation)
- ✗Mechanical/electrical breakdown
- ✗Normal wear and tear
- ✗Damage to tyres & tubes (unless vehicle also damaged)
- ✗Using vehicle outside geographical area
No Claim Bonus (NCB): Save Up to 50%
If you don't make a claim during your policy year, you earn a No Claim Bonus that reduces your premium at renewal. NCB accumulates every claim-free year up to 50%.
| Claim-Free Years | NCB Discount | Example Savings |
|---|---|---|
| 1st Year | 20% | Save ₹4,000 on ₹20,000 premium |
| 2nd Year | 25% | Save ₹5,000 on ₹20,000 premium |
| 3rd Year | 35% | Save ₹7,000 on ₹20,000 premium |
| 4th Year | 45% | Save ₹9,000 on ₹20,000 premium |
| 5th Year+ | 50% | Save ₹10,000 on ₹20,000 premium |
Note: NCB is linked to you, not the vehicle. You can transfer it when you sell your car and buy a new one.
Get Motor Insurance That Fits Your Vehicle
Compare quotes from top insurers, understand coverage options, and choose add-ons that make sense. Our advisors help you avoid over-insurance and under-insurance.