Motor Insurance

Motor insurance, also referred to as vehicle insurance, is a mandatory policy in India for four-wheelers, trucks, two-wheelers, and other vehicles used on the roads. This essential insurance provides coverage for third-party liabilities as well as damages incurred by the insured vehicle in accidents. Stay protected on the road with our comprehensive motor insurance plans tailored to suit your needs.

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Types of Motor Insurance

1. Car Insurance

Car insurance provides coverage against accidental losses or damages to your car or third-party vehicles caused by your insured car. It's essential to compare premiums offered by different insurers to secure the best deal. Premium amounts are influenced by factors such as the car's make and value, the state of registration, and the manufacturing year.

Motor vehicle insurance encompasses various categories, including:
2. Two Wheeler Insurance

Two-wheeler insurance, commonly referred to as bike insurance, provides vital financial and legal protection for motorcycles and scooters. This coverage shields against both own damages and any accidental harm caused to third-party property or individuals.

2. Commercial Vehicle

Commercial vehicles, such as goods-carrying vehicles and trucks, encompass those used for business purposes rather than personal use. Safeguard your commercial assets and mitigate risks with commercial vehicle insurance. Commercial vehicle insurance is essential for drivers of commercial vehicles, providing crucial protection against potential losses arising from damages. This comprehensive coverage extends to unforeseen events and damages to third parties.

Key Factors to Consider When Buying Motor Insurance

1.Third-Party Insurance

In India, obtaining third-party insurance as per IRDAI regulations is mandatory. This type of insurance provides coverage for third-party liabilities and includes a specified set of coverage, ensuring legal compliance and financial protection in case of accidents or incidents involving third parties

2. Zero Depreciation

Zero depreciation cover, or nil depreciation or bumper-to-bumper cover, is an add-on that provides full coverage for the depreciation value of replaced parts during repairs. Unlike standard insurance policies, where depreciation is deducted from the claim amount for replaced parts, zero depreciation cover ensures that policyholders receive the full cost of repairs without any depreciation deductions.

3.Add Ons

Add-ons, also known as riders or endorsements, are additional coverage options that policyholders can purchase to enhance their insurance policy. These add-ons provide extra protection beyond the standard coverage offered by the base policy. Common add-ons include zero depreciation cover, engine protection cover, roadside assistance, and consumable expenses cover.

4.No Claim Bonus(NCB)

No Claim Bonus is a reward or discount offered by insurance companies to policyholders for not making any claims during the policy term. Policyholders can accumulate NCB over consecutive claim-free years, leading to a reduction in the insurance premium upon policy renewal. NCB can also be transferred to a new insurer when switching insurance providers.

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