IRDAI-registered distributor
Compare comprehensive, third-party and own-damage cover side by side. One advisor stays with you from the quote right through to the claim cheque.
Car insurance is a contract between you and an insurer. You pay a premium; in return the insurer covers the financial loss when your car is damaged, stolen, or causes injury or damage to someone else.
In India the third-party portion is not optional. Driving without it is an offence — but third-party alone does nothing for your own car. That gap is where most owners get caught out.
Third-party motor cover is mandatory under the Motor Vehicles Act, 1988. Penalties apply for driving uninsured.
Anyone can list premiums. The work is in the terms underneath them — and in who picks up the phone when you claim.
We pull comparable quotes from our partner insurers and line up the premium, IDV, deductible and garage network so you are comparing like with like — not marketing claims.
A low Insured Declared Value makes a premium look cheap and a claim look disappointing. We show you what your car is actually worth and what that costs.
Before you buy, we check whether the insurer's network covers garages near your home and your usual route — not just a national count.
Your advisor files the intimation, tracks the surveyor and chases the settlement. You are not left on a helpline queue.
Including — and this is the part usually left off the brochure — what it does not.
The legal minimum. Covers injury, death or property damage you cause to another person.
Best for: Older, low-value cars that are rarely driven.
Third-party cover plus damage to your own car from accident, theft, fire and natural calamity.
Best for: Most owners — especially cars under 10 years old.
Covers only your own car. Bought alongside an existing long-term third-party policy.
Best for: New cars sold with a bundled multi-year third-party policy.
Every add-on raises your premium. We will tell you which ones earn their cost against your specific situation.
The insurer pays the full cost of replaced parts instead of deducting for age. Worth it for cars under five years old.
Covers engine and gearbox damage from water ingress or oil leakage — the exact loss a standard policy excludes.
Towing, jump-start, flat-tyre help and fuel delivery when you are stranded.
On total loss or theft, pays the original invoice value instead of the depreciated IDV.
Lets you make one claim without losing the discount you have built up over claim-free years.
Pays for oils, coolants, nuts and bolts used during a covered repair — normally excluded.
Written out plainly, because the moment you need this is the worst possible moment to be reading a policy document for the first time.
Call your advisor or raise the claim in-app. Same-day intimation matters — late reporting is one of the most common reasons a motor claim gets questioned.
Theft, third-party injury and major damage need a police report. We tell you exactly what the insurer will ask for so you file it once, correctly.
The insurer appoints a surveyor to assess the damage. Take dated photos before anything is moved or repaired — it protects your assessment.
Cashless at a network garage, or reimbursement anywhere else. We track the file until the money or the repair is actually done.
The questions we get asked most, answered without the sales gloss.
Still not sure?
Ask an advisor directly. No obligation, and we will tell you if you do not need the product.
Talk to an advisorThird-party cover is mandatory under the Motor Vehicles Act, 1988. Own-damage cover is optional, but without it you carry the full cost of repairing or replacing your own car.
Tell us what you are protecting. We will show you what your current cover actually does — and what it does not — before you spend anything.
Insurance is the subject matter of solicitation.