Motor cover for every drive.
Compare car, two-wheeler and commercial vehicle insurance from our partner insurers. A real advisor helps you choose, and stays with you at claim time.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer and garage
- Talk to an advisorCall +91 84700 67555
What is motor insurance?
Motor insurance protects you against the cost of damage to your vehicle and your legal liability to other people. A comprehensive policy combines own-damage cover for your vehicle with third-party liability cover.
Under the Motor Vehicles Act, every vehicle on Indian roads needs at least third-party cover. Own-damage cover and add-ons are optional.
Find the right planTypes of motor insurance
Pick one to compare quotes- CarComprehensive, third-party or own-damage cover for your car.
- Two-wheelerCover for your bike or scooter, third-party or full.
- Commercial vehicleGoods and passenger vehicles used for business.
- Brand-new vehicleCover for a vehicle you are buying or just bought.
- FleetSeveral vehicles of one owner, arranged together.
Popular motor plans from our partners
HDFC ERGO[PLAN NAME]- Cover types
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Bajaj Allianz[PLAN NAME]- Cover types
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- Add-ons
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Tata AIG[PLAN NAME]- Cover types
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Digit[PLAN NAME]- Cover types
- [COVER TYPES]
- Add-ons
- [X]
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All figures are placeholders until confirmed with each insurer. Premiums depend on the vehicle, its age, city, cover type, add-ons and No Claim Bonus. Insurance is the subject matter of solicitation.
What's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your IDV and policy limits, subject to terms- Accidental damageCollision, overturning and similar
- Fire & explosionIncluding self-ignition
- TheftLoss of the insured vehicle
- Natural calamitiesFlood, storm, earthquake and more
- Man-made eventsRiot, strike and malicious acts
- Third-party liabilityInjury or damage to others
Usually not covered
Common exclusions across most plans- Wear and tearAgeing, rust and routine servicing
- Mechanical breakdownUnless caused by an insured event
- Drunk or unlicensed drivingOr driving under the influence
- Consequential damageUnless an add-on covers it
- Use outside the policye.g. a private car used for hire
- Depreciation on partsUnless you have zero depreciation
Get covered in four steps
- 1Enter your vehicleAdd your registration number, or the make and model for a new vehicle.
- 2Compare plansSee premium, IDV, add-ons and cashless garages together.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
Two ways to claim. We help with both, from the first call to settlement.
Cashless claim
The insurer pays the garage directly- 1Tell the insurer, or us, about the claim as soon as you can
- 2Take the vehicle to a network garage of your insurer
- 3A surveyor inspects the damage and approves the repair
- 4Approved costs are settled with the garage; you pay deductibles and non-covered items
Reimbursement claim
You pay first, the insurer pays you back- 1Report the claim and wait for the survey before repairs
- 2Get the vehicle repaired and keep all bills
- 3Submit the claim form and documents; we check them with you
- 4The approved amount is paid to your bank account
How much will your cover cost?
Get an estimate from your car's model, age and city.
Try the calculatorThird-party cover is mandatory
Under the Motor Vehicles Act, every vehicle on Indian roads needs at least third-party liability cover.
Own-damage cover and add-ons are optional, but they protect your own vehicle.
Compare motor plans from our partner insurers
See all partners- ICICI Lombard
Products and availability vary by insurer.
Motor insurance FAQs
What is the difference between comprehensive and third-party cover?
Third-party cover pays for injury, death or property damage you cause to others. Comprehensive cover adds own-damage protection for your vehicle against accidents, theft, fire and natural calamities.
What is IDV?
Insured Declared Value (IDV) is the current market value of your vehicle as agreed in the policy. It is the most the insurer pays if the vehicle is stolen or declared a total loss, and it goes down as the vehicle ages.
What is No Claim Bonus (NCB)?
A discount on your own-damage premium for every claim-free year. It belongs to you, not the vehicle, so you can take it to a new insurer.
What are add-ons?
Optional covers you can add to a comprehensive or own-damage policy for an extra premium, such as zero depreciation, engine protection or roadside assistance. Availability depends on the insurer and the vehicle's age.
What documents do I need to claim?
Usually the claim form, policy copy, registration certificate, driving licence and the repair estimate or bills. For theft and many third-party claims you also need a police FIR. Your insurer may ask for more.
Can I switch insurers at renewal?
Yes. You can move to a different insurer when your policy renews, and carry your No Claim Bonus with you if you qualify for it.