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Motor Insurance

Car & Bike Insurance — Fast, Affordable, Reliable

Mandatory third-party cover or full comprehensive protection — we compare all major insurers and help you choose the right plan in minutes.

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Coverage Types

Comprehensive vs Third-Party — Which Do You Need?

Indian law mandates third-party insurance for all vehicles. But for cars under 5 years old, comprehensive cover is far better value.

FeatureThird-Party OnlyComprehensive
Legally requiredYesYes
Damage to others' vehicle / propertyCoveredCovered
Injury to third partyCoveredCovered
Own vehicle damage (accidents)Not coveredCovered
Theft of your vehicleNot coveredCovered
Fire & natural disastersNot coveredCovered
Personal accident coverSeparate add-onIncluded
Zero depreciation add-onNot availableAvailable
Indicative annual premium₹2,000–5,000₹6,000–18,000
What's Covered

What Does a Comprehensive Plan Cover?

A comprehensive motor plan protects you from all major financial risks on the road.

Own Damage

Repair costs for your vehicle after an accident, regardless of fault.

Third-Party Liability

Damage or injury you cause to another person, vehicle or property.

Theft

Full IDV paid if your vehicle is stolen and not recovered within 90 days.

Fire & Natural Disasters

Floods, earthquakes, cyclones, lightning and fire damage — all covered.

Personal Accident Cover

Up to ₹15 lakh payout for owner-driver death or permanent disability.

24/7 Roadside Assistance

Towing, battery jump-start, flat tyre and emergency fuel delivery anywhere.

Smart Add-Ons

Add-Ons Worth Buying

These riders cost a little extra but save significantly more at claim time — especially for newer vehicles.

Zero Depreciation

Full replacement cost of parts — no depreciation deductions. Essential for cars under 5 years old.

+15–20% on premium

Engine Protect

Covers engine repair due to water ingression or hydrostatic lock — vital in flood-prone cities.

+8–12% on premium

Return to Invoice

Total loss or theft? Receive the original on-road price — not the depreciated IDV.

+10–15% on premium

NCB Protect

Protect your No-Claim Bonus even after making one claim — keeps renewal premium low.

+5–8% on premium
Customise Your Cover

Add-Ons Worth Considering

A handful of add-ons account for most of the value in a good motor policy. Here are the ones we most often recommend.

Zero Depreciation

No deduction for depreciation on parts during claim settlement

NCB Protection

Keep your No Claim Bonus even after 1-2 claims in a year

Roadside Assistance (RSA)

Towing, fuel delivery, flat tyre & battery jump-start, 24x7

Engine & Gearbox Protection

Covers engine damage from water ingress (hydrostatic lock) — crucial in flood-prone cities

Return to Invoice (RTI)

In a total loss, get the original invoice value, not just the depreciated IDV

Key & Lock Replacement

Covers cost of replacing lost or stolen keys and locks

Consumables Cover

Covers nuts, bolts, oil, lubricants etc. often excluded otherwise

EV Battery Protection

For electric vehicles — covers high-cost battery and charger damage

Buying an electric vehicle? See our in-depth guide on Electric Vehicle Insurance in India — covering EV-specific add-ons, battery protection, and how EV premiums compare to petrol/diesel cars.

Compare All 10 Car Insurance Plans

We've compared premiums, claim settlement ratios, garage networks and add-ons across India's top 10 general insurers — so you can pick the best one in minutes.

HDFC ERGO
Car Insurance (Comprehensive)
₹4,800 /year*
Highest Claim Ratio (~99.4%) — View Review →
Go Digit
Car Insurance (Comprehensive)
₹4,650 /year*
7-Min Paperless Claims — View Review →
Bajaj Allianz
Car Insurance (Comprehensive)
₹4,500 /year*
Cheapest Comprehensive — View Review →
Compare All 10 Plans
FAQ

Frequently Asked Questions

Quick, clear answers on motor insurance in India.

Is third-party motor insurance mandatory in India?
Yes. Under the Motor Vehicles Act 1988, third-party liability insurance is mandatory for every vehicle on public roads. Driving without it can result in fines up to ₹2,000 and imprisonment of up to 3 months.
Is zero depreciation cover worth buying?
Yes, for cars under 5 years old. Without it, your insurer deducts depreciation (up to 50% on rubber and plastic parts) from your claim. With zero dep, you get the full repair cost. The add-on typically costs 15–20% more but saves thousands at claim time.
Can I renew expired motor insurance online?
Yes. If your policy has lapsed for less than 90 days, renewal is instant online. Beyond 90 days, a vehicle inspection may be required. Contact Policy Aid for same-day renewal with guidance on inspection requirements.
What documents do I need to buy motor insurance?
You need your vehicle registration certificate (RC), previous policy copy (for renewal), and driving licence. For a new vehicle, the dealer provides the required documents. The entire process is online and takes under 5 minutes.

Get Your Motor Insurance Quote

Tell us your vehicle details — we compare all major insurers and get you the best price in minutes. No paperwork, no spam.

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