Comprehensive Protection for Your Car & Bike
Drive with confidence. Our vehicle insurance plans cover accidents, theft, natural disasters, and third-party liabilities — so you never face the road alone.
- Instant Policy Issuance
- Cashless Repairs at Network Garages
- Zero Depreciation Cover
- 24/7 Roadside Support
Choose the Right Plan
Three types of vehicle insurance to match every need and budget.
Comprehensive Insurance
Full-circle protection — our most complete plan
- Own damage due to accident or fire
- Theft & natural disaster coverage
- Third-party liability included
- Personal accident cover for driver
Third Party Insurance
Legally mandatory — cover others' losses
- Third-party bodily injury liability
- Third-party property damage
- Legal compliance in India
- Low annual premium cost
Own Damage Cover
Protect your own vehicle against all risks
- Damage from accidents & collisions
- Fire, explosion & self-ignition
- Natural calamities (flood, earthquake)
- Malicious damage & vandalism
Optional Add-Ons & Riders
Customise your policy with powerful riders for total peace of mind.
Zero Depreciation
Full claim without deducting depreciation on parts
Roadside Assistance
24/7 towing, fuel delivery & on-the-spot repair
Engine Protection
Covers engine damage & waterlogging repairs
Key Replacement
Covers cost of lost or damaged car keys
Personal Accident
Compensation for driver's accidental injuries or death
Consumables Cover
Reimburses nuts, bolts, oil & other consumables
Return to Invoice
Get full invoice value in case of total loss or theft
NCB Protection
Keep your no-claim bonus even after filing a claim
What Is & Isn't Covered
Know exactly what your policy protects — complete transparency, no surprises.
What's Covered
- Accidental damage to your vehicle
- Theft and vandalism
- Fire, explosion and self-ignition
- Natural calamities (flood, earthquake, storm)
- Third-party bodily injury & property damage
- Personal accident cover for owner-driver
- Roadside assistance (with add-on)
- Towing charges after accident
What's Not Covered
- Damage due to drunk driving
- Driving without a valid license
- Mechanical or electrical breakdown
- Normal wear and tear
- Damage outside India (without endorsement)
- Consequential (indirect) losses
- Vehicle used commercially without endorsement
- War, nuclear risks & government seizure
How to File a Claim
Four simple steps between your incident and your settlement.
Report the Incident
Call our 24/7 helpline or file online within 24 hours of the incident. Our team registers your claim immediately.
Document Submission
Upload your policy copy, FIR (if required), driving license, RC book, and photographs of damage via our portal.
Vehicle Inspection
A surveyor inspects your vehicle within 48 hours. Cashless repairs begin at authorised network garages after approval.
Settlement
For reimbursement claims, the approved amount is transferred directly to your bank account within 7 working days.
Tax Benefits of Vehicle Insurance
Vehicle insurance isn't just protection — it delivers real financial savings too.
Business Vehicles
Vehicle insurance premium is a deductible business expense under the Income Tax Act, reducing your net taxable income.
GST Input Credit
Businesses registered under GST can claim input tax credit on the GST paid on commercial vehicle insurance premiums.
NCB Benefits
Earn a No-Claim Bonus of up to 50% on your renewal premium for every claim-free year — direct premium savings.
Commercial Vehicle Insurance
Running a fleet of trucks, taxis, buses, or goods vehicles? Our commercial vehicle insurance plans are built for businesses — with flexible coverage, fleet discounts, and dedicated claim support.
- Goods carrying vehicles (trucks, tempos)
- Passenger vehicles (bus, cab, auto-rickshaw)
- Fleet discounts for 5+ vehicles
- Dedicated claim relationship manager
- GST invoice for business accounting
Vehicle Insurance FAQs
Everything you need to know before buying.
Yes. Under the Motor Vehicles Act 1988, at minimum a Third-Party Liability insurance is mandatory for all vehicles driven on Indian roads. Driving without it is a punishable offence.
IDV (Insured Declared Value) is the maximum sum your insurer will pay in case of total loss or theft. It is the current market value of your vehicle minus depreciation.
NCB is a discount on your renewal premium for each claim-free year. Starting at 20% after Year 1, it grows up to 50% after 5 consecutive claim-free years.
When you sell or buy a car, the insurance must be transferred to the new owner within 14 days. Contact our team and we'll process the transfer paperwork quickly.
You typically need: your policy document, driving license, vehicle RC book, FIR copy (for theft/major accidents), photographs of damage, and a duly filled claim form.
Your policy is issued instantly after successful payment. You'll receive a soft copy on your email and can download it from our portal immediately.