Complete vehicle protection for cars and two-wheelers. From mandatory third-party to comprehensive coverage with powerful add-ons — we help you drive worry-free on every road.
Understand the difference and choose the right plan for your vehicle.
| Coverage Feature | Third-Party Only | Comprehensive |
|---|---|---|
| Third-Party Property Damage | ✓ | ✓ |
| Third-Party Bodily Injury / Death | ✓ | ✓ |
| Own Damage (Accident) | ✗ | ✓ |
| Fire & Explosion Damage | ✗ | ✓ |
| Theft of Vehicle | ✗ | ✓ |
| Natural Calamities (Flood, Cyclone) | ✗ | ✓ |
| Add-On Riders Available | ✗ | ✓ |
| Personal Accident Cover (Owner-Driver) | Mandatory Add-on | Included |
| Legally Mandatory | ✓ | Includes TP |
| Typical Annual Premium (Car) | ₹2,000 – ₹5,000 | ₹6,000 – ₹20,000 |
* Premiums vary based on vehicle type, age, IDV, and location. Our advisors help you choose the best-value plan.
Round-the-clock breakdown assistance including towing, flat tyre repair, fuel delivery, battery jumpstart, and key lockout service — available anywhere across India, day or night.
Access 5,000+ cashless garages across India. Get your vehicle repaired without paying upfront — the insurer settles the bill directly with the garage partner. Track repair status online.
Our digital claim process enables instant claim registration via app or WhatsApp. Minor claims are processed via self-inspection, with settlement in as little as 24–48 hours post-document submission.
Dedicated claims manager assigned to every policyholder. From FIR assistance to surveyor coordination to final settlement — our team ensures your claim is handled fairly and efficiently.
Supercharge your comprehensive policy with these smart riders for total peace of mind.
Get full claim amount without depreciation deductions on replaced parts. Especially valuable for new cars in the first 3–5 years. Eliminates the largest source of claim shortfall.
Covers costly engine and gearbox damage due to water ingression, oil leakage, or hydrostatic lock — not covered under standard policies. Critical for monsoon-prone cities.
In case of total loss or theft, receive the full original invoice value of your vehicle rather than the depreciated IDV. Bridges the gap between IDV and actual purchase price.
Protect your No Claim Bonus even after making one claim. Prevents your premium from increasing after an unavoidable incident, preserving the discount earned for claim-free years.
Enhanced RSA coverage beyond the standard offering — includes hotel accommodation for outstation breakdowns, alternate travel arrangement, and personal emergency assistance up to ₹5,000.
Personal accident cover for all named passengers in the vehicle, providing compensation for accidental death or disability regardless of who is at fault in the accident.
Notify the insurer immediately after the accident via app, website, or toll-free number. For theft, file an FIR first and inform the insurer within 24 hours.
Take your vehicle to a cashless garage or an approved repair centre. A surveyor inspects the damage and prepares the loss assessment report within 24–48 hours.
Provide claim form, RC copy, driving licence, FIR (if applicable), repair estimate, and photos of the damage. Documents can be uploaded digitally through the insurer's portal or app.
For cashless claims, the insurer pays the garage directly. For reimbursement claims, payment is credited to your bank within 7 business days of document submission approval.
Get the right motor insurance plan with the best add-ons. Compare 20+ insurers and save up to 40% on your premium.