Private car, two-wheeler and commercial vehicle cover — including for vehicles carrying valuable cargo.
Motor insurance covers your vehicle and your liability to others in the event of an accident, theft or damage. Third-party cover is a legal requirement in India for vehicles on public roads; comprehensive cover adds protection for your own vehicle on top of that legal minimum.
The legally mandatory minimum — covers injury or damage you cause to a third party.
Covers damage to your own vehicle from accident, fire, theft and other listed perils, as part of comprehensive cover.
Combines third-party and own-damage cover, typically the most complete protection available.
Structured for business-owned vehicles, including goods-carrying and passenger-carrying vehicles.
Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.
Move to safety and check for injuries; call emergency services if anyone is hurt.
Photograph the vehicles, damage and surroundings from multiple angles before anything is moved, where safe to do so.
Generally advisable for injury, hit-and-run, theft or disputes — check what your specific claim needs.
Share your policy number and incident details as soon as reasonably possible.
The vehicle is inspected/surveyed as needed and the claim is processed against your policy terms.
For full step-by-step guidance and a claim assistance form, visit the Claims Centre →
We're preparing a short explainer on motor insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.
Third-party meets the legal minimum but doesn't cover your own vehicle. Comprehensive cover is worth considering for most owners, particularly on a newer or higher-value vehicle — we can talk through what fits your situation.
A standard motor policy covers the vehicle itself, not necessarily the goods inside it. If you regularly move high-value cargo, ask us about pairing motor cover with a separate marine cargo or goods-in-transit policy.
Making a claim typically resets or reduces your NCB at renewal — for very small repair costs, it's sometimes worth comparing the claim value against the NCB you'd lose.
Tell us what you need covered — no payment or policy details required to start the conversation.