Motor Insurance (Private Car)
Car insurance provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also cover theft and damage to the vehicle from things other than traffic collisions.
Key Features & Add-ons
Bike Insurance
Two-wheeler insurance protects your bike or scooter against accidents, theft, fire, and natural disasters. Third-party bike insurance is legally mandatory in India, but comprehensive cover gives you complete financial protection.
Commercial Vehicles & Taxi
Commercial vehicle insurance covers vehicles used for business purposes — from taxis (Ola/Uber) and vans to buses and goods carriers. It includes enhanced third-party liability limits to cover passengers and goods in transit.
Travel Insurance
Travel insurance protects you against unexpected events during domestic or international trips. Most Schengen and visa-issuing countries require mandatory travel insurance.
- Medical emergency coverage abroad (up to $500,000)
- Trip cancellation and flight delay compensation
- Lost baggage and passport loss assistance
Fire & Property Insurance
Fire insurance protects your property (residential, commercial, or industrial) and its contents against damage caused by fire, lightning, explosion, and allied perils like storms, floods, earthquakes, and riots.
Marine Insurance
Marine insurance covers goods, cargo, and freight against loss or damage during transit by sea, air, or land. Essential for importers, exporters, and logistics businesses.
Motor Coverage Comparison
| Coverage Type | Third-Party Only | Comprehensive | Zero Depreciation |
|---|---|---|---|
| Third-Party Liability | Yes | Yes | Yes |
| Own Damage (Accident/Theft) | No | Yes (Depreciated value) | Yes (Full parts value) |
| Natural Disasters | No | Yes | Yes |
| Premium Cost | Lowest | Moderate | Higher |