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Motor Insurance 

Motor or vehicle insurance is an insurance policy that protects the owner of the vehicle against any financial loss arising out of damage or theft of vehicle. Motor vehicle coverage also includes damage caused to third party or property. Motor insurance is available for both cars and two wheelers. Owing to low value of two wheeler vehicles, their premium is very nominal.


Why should one buy Motor insurance ?

Accidents are unfortunate events that can leave a tremendous lifetime burden if you are uninsured. With the kind of traffic management we have in India, you will hardly find a day not seeing or at least hearing about vehicles banging into each other causing major damages. Haste and negligence on top of a poor infrastructure and lack of safety practices makes us at Risk of road accidents in India.

Pays for damages 

Not only are cars expensive, paying for their repairs is costly, too. Sometimes, your car may be damaged due to someone else’s negligence. A car colliding with yours, or you swerving to avoid a jaywalker and crashing into a wall, or even a stray cricket ball cracking your windshield can set you back by a considerable amount of money. However, if you have car insurance, you need not pay for these repairs by yourself.

Reduces your liability 

Taking Third Party Liability (TPL) car insurance coverage is mandatory in India. The TPL policy covers you against the legal ramifications of an accident caused by you. For example, if you happen to cause an accident that results in damages to another person’s property or injuries to another driver/pedestrian, the insurance will pay for their treatment and save you from the legal repercussions of the case.

Pays for your hospitalization

Not every car owner who suffers an accident is fortunate to get away with a few cuts and bruises. Some accidents result in fractures and other serious injuries that require hospitalisation. Instead of shelling out the high hospital and treatment costs from your own pocket, you can get your motor insurance to pay these expenses.

Compensates your family after your demise 

The most unfortunate outcome of a road accident is the car owner’s demise. Once the bread-earning policy holder has passed away, it might become difficult for his or her family to sustain its daily life. However, a motor insurance policy can help pay the family’s expenses after the unfortunate event.

Key Points to remember when comparing Motor vehicle Insurance

  1. It is always better to guard against  eventualities beforehand and one way to do so is by choosing right insurance from the lot
  2. Know what your policy covers 
  3. Get additional damage cover 
  4. Go for a zero depreciation add on cover with base policy 
  5. Do not nullify insurance while customizing your vehicle 
  6. Go for the best cover that fits your requirements 


Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions

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  • Phone: 011-47001200

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