Motor Insurance
Motor insurance, also known as vehicle insurance, provides coverage for a wide range of vehicle types, including cars, two-wheelers, trucks, autorickshaws, and electric vehicles (EVs). It offers protection against third-party liabilities that may arise from accidents involving your insured vehicle. Furthermore, a motor insurance policy provides financial coverage for damages to your own vehicle resulting from accidents, natural disasters, theft, and fire. In India, it is mandatory to have at least third-party motor insurance to legally drive in public spaces.
Motor Insurance Plans
Plan Type
PRIVATE MOTOR CAR – PKG – STANDALONE OD
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
PRIVATE MOTOR CAR – PKG – STANDALONE OD
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
PRIVATE MOTOR CAR – STANDALONE OD
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
PRIVATE MOTOR CAR – PKG – STANDALONE OD
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
View more
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
View more
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
View more
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
Plan Type
Comprehensive
Claim settled
96%
Zero Dep Claim
Unlimited
❤️Addons
- ✅24x7 Roadside Assistance
- ✅Electrical Accessories
- ✅Non-electrical Accessories
- +5 More >
❤️ Claim Benefits
- ✅ 6-Month Repair Warranty
- ✅ Zero Paper Claims
- ✅ Cashless Claims or 24-Hour Reimbursement
View more
Features of Motor Insurance
A vehicle insurance policy encompasses a range of features that can provide substantial benefits to the policyholder. Below are some key features that you should be aware of:
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You can conveniently purchase motor insurance online at takemyinsurance.com. Simply select the most suitable plan after comparing quotes from reputable motor insurance companies.
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Additionally, you can purchase vehicle insurance online from the comfort of your home.
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You have the flexibility to add or remove specific add-ons according to your preferences. Add-ons are optional coverage options that can be purchased to enhance the overall coverage of your motor insurance policy.
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Motor insurance not only covers damages resulting from accidents but also theft, natural calamities, fires, vandalism, and manmade disasters.
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Additionally, you can raise a cashless claim against your motor insurance. Under this feature, you can have your vehicle repaired at a network garage without incurring any expenses.
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Motor insurance also offers a No Claim Bonus (NCB) feature. This discount on your premium is provided by your insurer if you do not make any claims during the policy year.
TYPES OF MOTOR INSURANCE
Motor vehicle insurance can be broadly categorised into the following heads:
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Car Insurance
Car insurance provides coverage against damages to your own vehicle resulting from accidents, fires, natural disasters, and other unforeseen events. It also covers third-party liabilities incurred in an accident involving the insured vehicle. When selecting car insurance, it is advisable to compare policy premiums offered by various insurers to secure the most advantageous deal. The premium amount primarily depends on the make and value of the vehicle, the state of registration, and its manufacturing year.
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Bike Insurance
Two-wheeler insurance, also known as bike insurance, offers financial and legal protection to bicycles and scooters. It safeguards two-wheelers against damages incurred during accidents, fires, theft, and other unforeseen events. Furthermore, it encompasses any accidental loss suffered by third parties or property. Similar to car insurance, the premium for a two-wheeler policy is determined by various factors, including the age, make, model, registration year, and other relevant details.
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Commercial Vehicle Insurance
Commercial vehicle insurance provides comprehensive coverage for all commercial vehicle drivers, safeguarding them against potential financial losses arising from accidental damages to their vehicles. This insurance extends protection to a wide range of commercial vehicles, including goods-carrying vehicles, trucks, passenger-carrying vehicles, buses, auto-rickshaws, and more, from unforeseen incidents such as theft, fire, collisions, and third-party damages.
TYPES OF VEHICLE INSURANCE POLICY IN INDIA
The main three types of motor insurance policies offered in India include:
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Third-Party Insurance Cover
Third-party insurance is a mandatory vehicle insurance policy under the Indian Motor Vehicles Act, 1988. It provides coverage for third-party injuries or fatalities resulting from accidents involving the insured vehicle. However, third-party insurance does not offer any direct benefits to the policyholder’s vehicle.
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Standalone OD Cover
Standalone own damage insurance provides comprehensive protection for insured vehicles against unforeseen incidents such as accidents, theft, fire, and other potential damages. This policy can be combined with existing third-party insurance to ensure comprehensive coverage for both the insured vehicle and its contents.
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Comprehensive Insurance Cover
Comprehensive insurance encompasses both own damage and third-party coverage. It safeguards vehicle owners against financial losses arising from accidental damages or theft of the insured vehicle. Furthermore, it extends coverage to third-party liabilities, encompassing injuries, fatalities, and property damages. Comprehensive motor vehicle insurance offers broader coverage and incurs a higher premium.
Coverage Under Motor Insurance
- Damages sustained by the insured vehicle from terrorist acts, riots and strikes
- Motor insurance policy coverage includes losses to the insured vehicle due to fire or self-ignition
- Damages sustained by the vehicle from natural calamities like earthquakes, hurricanes, cyclones, landslides etc.
- Any damage caused to the insured vehicle from burglary or theft (up to the vehicle’s IDV)
- Any in-transit damages sustained by the insured motor vehicle.
- If the owner/driver is under the influence of drugs or alcohol, the motor vehicle insurance policy won't cover it.
- Use of the insured vehicle for illegal activities or a purpose otherwise stated in the policy
- Not having a valid driving licence at the time of an accident
- Any loss or damage to the insured vehicle occurring outside the geographical location specified in the policy document
- Any depreciation borne by the insured motor vehicle
Difference Between Third Party, Comprehensive and OD Vehicle Insurance
| Points of Differences |
Third Party Insurance |
Own Damage Insurance |
Comprehensive Insurance |
| TP Property Cover |
Yes |
No |
Yes |
| TP Death |
Yes |
No |
Yes |
| OD Cover |
No |
Yes |
Yes |
| Premium |
As per IRDAI |
Less than Comprehensive |
Higher |
| Fire Cover |
No |
Yes |
Yes |
| Theft Cover |
No |
Yes |
Yes |
| Add-ons |
No |
Yes |
Yes |
| PA Cover |
Yes |
No |
Yes |
Why Should You Buy Vehicle Insurance?
Are you aware that approximately 4 lakh individuals are involved in road accidents each month? Statistics indicate that in 2023, road accidents resulted in the tragic loss of 172,000 lives.
Given the prevailing road conditions and the legal requirement for motor insurance, it is imperative for individuals to obtain a policy to drive legally on Indian roads. Motor insurance provides comprehensive financial protection and covers third-party damages, safeguarding the driver’s interests. Failure to comply with the insurance mandate can result in substantial fines and imprisonment, with a maximum sentence of three months.
Most insurers offer a large number of Value added services to the policyholders, like:
- Direct settlement or cashless claims at network garages
- Depreciation Cover
- Engine Protection Cover
- 24X7 Roadside assistance
- Towing Facility
THINGS TO CONSIDER WHILE BUYING MOTOR INSURANCE ONLINE
Here are some key considerations to keep in mind when purchasing a motor insurance policy:
- Coverage: When purchasing motor insurance, ensure that the specific plan offers the coverage you require.
- Add-on: If the comprehensive insurance plan’s coverage does not meet your needs, consider purchasing an add-on provided by your insurer.
- Personal Accident Cover: Verify that the motor insurance you intend to purchase includes personal accident cover.
- Claim Settlement Ratio: Before selecting a motor insurance plan, assess the claim settlement ratio of your preferred insurance provider.
- Network Garages: Confirm that your desired insurance provider has a comprehensive network of vehicle repair garages.
- No Claim Bonus: Check if the insurance company offers a no-claim bonus and allows its transfer to another insurer.
- Read Terms & Conditions Properly: Ensure that you carefully review the terms and conditions before signing any documents.
- Zero Depreciation: Immediately after purchasing a vehicle, its value depreciates significantly. To preserve its monetary value, it is advisable to opt for a zero depreciation add-on to secure the most favourable coverage amount after depreciation.
Parameters Affecting Vehicle Insurance Premium
Several factors are considered when determining the premium of a motor insurance policy, including:
- Make & Model: The premium of your insurance plan depends upon your vehicle's make and model, cubic capacity, and variant.
- Age: The depreciation value, as well as the insured declared value, depends upon the age of your car.
- Engine: The engine type whether it is a petrol engine or a diesel engine will affect the IDV that might increase the premium amount.
- Location: The premium amount of your vehicle depends upon the location of the car. For instance, if you live in a metro city then the premium of your vehicle insurance policy would be higher because of the high risk of an accident.
- Add-on: The motor insurance plan comes with a particular set of coverage but the insurance companies also provide add-ons so that you can enhance the coverage if you are not satisfied with the existing coverage.
- No Claim Bonus: The insurance companies provide a discount on the successive year motor insurance renewal for not raising a claim during the previous policy tenure.
How to Buy Motor Insurance Online?
If you have purchased a new vehicle, you can easily compare and buy motor insurance for your vehicle from takemyinsurance.com Here is how to do it:
- Visit the ‘Motor Insurance’ page on the our website.
- Enter your vehicle number on the provided form.
- Select/check your vehicle details, including make, model, RTO, variant, and fuel type.
- Select additional covers that you wish to include in your plan.
- From the provided vehicle insurance quotes, select the one that best suits your requirements.
- Once you have made the payment, your motor insurance policy will be issued instantly.
- Fill in the proposal form and proceed.
- Make premium payment online via any of the provided payment methods.
- Once you have made the payment, your motor insurance policy will be issued instantly.
- From the given vehicle insurance quotes, choose the one that suits your requirements
- Enter your vehicle number on the given form
- Make premium payment online via any of the given payment methods
Explore More Under Car Insurance
WHY TO BUY MOTOR INSURANCE ONLINE?
When purchasing motor insurance online, you have the advantage of comparing various plans from the comfort of your home. With the advancement of digital technology, several insurers have developed mobile applications to enhance the insurance purchasing experience. Since an insurance plan has a validity period, the policy holder is obligated to renew vehicle insurance before its expiration date. Purchasing vehicle insurance online offers several advantages:
- You get instant competitive quotes from various insurance providers
- You have the flexibility to select from multiple add-ons available on the website.
- You can add or remove any specific add-on according to your preferences.
- You do not need to visit the insurer’s office/website to obtain the insurance plan.
- This process saves a significant amount of time, as you can complete it on your personal computer by visiting the website.
- When purchasing motor insurance online, you have the option of making payments through secure gateways.
- The insurer will promptly issue the updated motor insurance plan to your email address as soon as you make the payment.
Explore add-ons for your car insurance
Plans starting from @ ₹2,094/year
Motor Vehicle Rules Updation by IRDAI
In an initiative to make motor insurance more affordable for buyers, IRDAI updated the rules in 2018 and 2020. Check the table below to learn about those updates.
| Insurance Cover |
IRDAI 2018 Regulation |
IRDAI 2020 Regulation Update |
| Third-party Only |
3 years third-party insurance for cars and 5 years third-party cover for bikes |
Retained |
| Standalone OD Cover (With Mandatory third-party cover) |
3 years & 5 years OD cover |
1-year Own Damage cover |
Here are some other updates made by the Insurance Regulatory & Development Authority of India.
- The sum insured amount for personal cars will be based on the road tax, on-road price, registration and manufacturer accessories.
- The expiry date of a long-term plan and third-party plan won't match if you purchase a standalone own damage insurance plan on different dates.
- The No Claim Bonus has been standardized by the IRDAI with a renewal range of 20%-50%.
- Electric vehicle insurance premium amount will get the benefit of a 15% discount on third party insurance cover. The electric vehicle owners can withdraw the long-term insurance from one company and transfer it to another.
WHY BUY MOTOR INSURANCE ONLINE FROM PROBITAS INSURANCE BROKERS PRIVATE LIMITED?
With multiple ways of purchasing vehicle insurance online, takemyinsurance.com lets you compare different insurance plans in one place. Some other advantages of purchasing motor insurance from us include:
1
Claim Assistance
A policyholder can get claim assistance from us to get hassle free claim experience
2
Cashless Assurance
The cashless assurance facility allows you to avail cashless claim settlement without having to pay anything from your pocket.
3
Free Pickup and Drop
If your car has been hit by an accident, we will also offer free pickup, get it repaired in the network garage and drop the insured car at your home.
4
Self-Video Claims
With the help of self-video claims offered by Some Insurers, a policyholder can make and upload the video of car damages on the provided link and get his/her claim settled in 24 hours.
5
Windshield Claims at Home
This advantage lets a policyholder receive windshield repairs at home. Moreover, availing of this feature also does not affect the NCB of an insured car.
HOW TO FILE A MOTOR INSURANCE CLAIM?
The documents and formalities involved in a vehicle insurance claim settlement will depend upon the type of vehicle and nature of the loss.
Filing for a Claim in Case of Damage to Owned Car/ Two Wheeler/ Commercial Vehicle
To commence the process, the policyholder is mandated to submit a comprehensive estimate of the loss to the insurance company. Subsequently, surveyors meticulously inspect the damaged vehicle and submit their survey report to the insurance company, which will subsequently review and examine it. Upon completion of the survey, the insured vehicle is transported to the network garage for repairs. Subsequently, the insurer will settle the claim directly with the garage.
Apart from the claim form, other documents required for processing claims are:
- Fitness Certificate (Commercial Vehicles)
- Driving License
- Registration Certificate Book
- Final Bill from repairers
- Police FIR (For Theft cases or accidents involving Third party damage/injury/death)
Third Party Claims
On receipt of the notice from the insured or third party, the matter is transferred to the Motor Accident Claim Tribunal. Complete information about the accident is obtained from the insured along with the following documents-
- Police Report
- Driving License
- Medical Certificate
- Death certificate in case of a fatal claim
Some Myths about Motor Insurance
Before buying a Motor insurance policy, you must be aware of how it works. Mentioned below are some popular myths that most people believe about motor insurance:
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Q1: Which vehicle insurance plan should I purchase- comprehensive insurance plan or third-party insurance plan only?
Ans: Having a third party bike insurance plan is compulsory for all automobiles plying on the Indian roads. This insurance plan provides coverage for injuries or damages caused to other people. The beneficiary is a third party only.
However, if you also want to get coverage for the losses or damages caused to the insured vehicle, you can buy a comprehensive motor insurance plan. It provides coverage for third-party liability along with own damage caused to the insured automobile, such as bikes, scooters, cars, trucks, etc.
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Q2: How is the motor insurance premium calculated?
Ans: Motor insurance premium is calculated based on various factors, such as IDV, deductibles, seating capacity, cubic capacity, previous insurance history, etc. Third-party premium amounts are decided by IRDAI.
For comprehensive insurance plans, premium charges vary from insurance provider to insurance provider on the basis of the coverage provided. Do compare insurance premiums on websites like Probitas.com so that you get the best quote.
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Q3: What should I do in case of an accident?
Ans: In case your vehicle meets with an accident, you should notify the police and take spot pictures. Click pictures of your vehicle as well as the other vehicle from all angles and focus on the damages. You need to exchange crucial information from the driver of the other vehicle. These include policy number, motor insurance provider, name, phone number, etc. Now, contact your insurer and file a claim to get your damages covered. Moreover, you need to keep your car keys and belongings safe.
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Q4: What is the period of the motor insurance policy?
Ans: Generally, a vehicle insurance policy is valid for one year, and you should renew it before its expiry to avoid any lapse. For a smoother insurance experience, always pay the motor insurance premium before the due date.
If your policy has lapsed, then your vehicle will undergo an inspection. In addition to that, if a comprehensive insurance policy remains lapsed for a time period of more than 90 days, the benefit of a "No Claim Bonus" isn't provided.
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Q5: What is "No Claim Bonus" in motor Insurance?
Ans: No Claim Bonus is the benefit accumulated to a policyholder in case he hasn't filed any claim throughout the policy period. According to the present Indian norms, it varies from 20-50 per cent for the comprehensive insurance plan. NCB isn't applicable for a third-party motor insurance plan.
If a claim is filed, the No Claim Bonus is lost for that policy period. NCB is provided to the policyholder and not to the insured car, two wheeler or commercial vehicle. At the time of the vehicle transfer, the insurance plan could be transferred to a new owner but NCB can't be transferred.
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Q6: In case I change my motor insurance provider, would my No Claim Bonus be migrated?
Ans: Yes, you surely can avail the NCB if you change your motor insurance provider at the time of renewing the policy. All you would need to do is produce proof of the earned NCB from your current insurance provider. You can produce the original copy of your expiring policy and a certification that you haven’t filed any claim for the (expiring) insurance plan. A renewal notice or a letter stating that you’re entitled to the NCB from your previous insurance provider can be a proof for this.
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Q7: Is there any kind of discounts that would help reduce my policy premium?
Ans: Apart from the NCB, there are a few discounts available on the own damage premium :
- Having a membership of the Automobile Association of India
- Private cars that are certified by the Vintage and Classic Car Club of India
- Installation of any anti-theft equipment that is approved by the Automobile Research Association of India (ARAI).
- When you select an additional voluntary deductible, your motor insurance provider offers you a discount on your motor insurance premium.
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Q8: Is service tax applicable on the motor insurance premium?
Ans: Yes, service tax is levied on motor insurance premiums as per the prevailing law rule(s) usually 18%.
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Q9: What is a deductible in a motor insurance policy?
Ans: The deductible is the amount of which the claim would be payable. Generally, a standard or compulsory deductible ranges from Rs. 50 for two-wheelers, including bikes and scooters, to Rs. 1,000 and Rs. 2,000 for private cars and commercial vehicles, including trucks, which enhance based on the carrying or cubic capacity of the automobile.
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Q10: What is a third-party motor insurance policy?
Ans: A third-party motor insurance policy provides coverage against damages caused to a third party person or property. It does not cover any damages to your own vehicle. This type of insurance is mandatory under the Motor Vehicles Act in India.
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Q11: What is a comprehensive motor insurance policy?
Ans: A comprehensive motor insurance policy offers complete protection to your vehicle against damages due to accident, theft, fire, natural calamities, and also includes third-party liability. It is optional but highly recommended for better coverage.
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Q12: Can I transfer my motor insurance policy when I sell my vehicle?
Ans: Yes, you can transfer the existing motor insurance policy to the new owner of the vehicle. This should be done within 14 days from the date of sale of the vehicle.
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Q13: Can I renew my expired motor insurance policy?
Ans: Yes, you can renew your expired motor insurance policy. However, it may require an inspection of your vehicle by the insurer. It’s always better to renew the policy before it expires to avoid any hassles or loss of benefits like the No Claim Bonus (NCB).
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Q14: What documents are required to file a motor insurance claim?
Ans: Documents typically required include:
- Copy of the insurance policy
- FIR in case of theft or third-party damage
- Driver’s license
- RC book of the vehicle
- Repair bills and estimates
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Q15: Can I purchase motor insurance online?
Ans: Yes, you can easily purchase motor insurance online from the official websites of insurance providers or through aggregators like Probitas, Coverfox, etc. It is convenient and allows comparison across policies.
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