Personal Insurance

Motor Insurance

Comprehensive motor insurance for private cars and two-wheelers covering own damage, third-party liability, theft and natural perils. We set the correct IDV, select add-ons that deliver genuine value and match you to an insurer with a cashless workshop network that covers your preferred garages, not the insurer with the cheapest premium.

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Coverage at a Glance

Own Damage

Repairs after accident, fire, theft or natural calamity

Third-Party Liability

Mandatory unlimited liability cover under MV Act

Zero Depreciation

Claim full part-replacement cost without deduction

Owner-Driver PA

Compulsory ₹15 lakh personal accident cover

Own Damage+ Third-Party

Zero DepAdd-on

NCB Up To50%After 5 Years

IRDAICompliant

Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Own Damage

Covers the cost of repairing or replacing your vehicle following accidental collision, overturning, fire, self-ignition, lightning, theft, riot, malicious damage, cyclone, flood, earthquake and impact.

Third-Party Bodily Injury

Mandatory cover providing unlimited liability for death or bodily injury caused to third parties by your vehicle. The premium for this section is fixed by IRDAI and is non-negotiable.

Third-Party Property Damage

Covers legal liability for damage caused to third-party vehicles, buildings or property, up to ₹7.5 lakh under the current Motor Vehicles Act provisions.

Natural Calamity Cover

Included within the own damage section, covering physical loss from flood, earthquake, cyclone, landslide and inundation, increasingly relevant given the frequency of urban flooding in major Indian cities.

Zero Depreciation (Add-on)

Waives the standard depreciation applied to replaced plastic, rubber and fibre parts during a claim, ensuring you receive the full cost of repairs, not a depreciation-reduced settlement.

Owner-Driver Personal Accident

A compulsory ₹15 lakh personal accident cover for the registered owner-driver under IRDAI regulations, covering accidental death and permanent total disability while driving the insured vehicle.

Motor Insurance Advisors

Our Approach

The Right Insurer Is Worth More Than the Cheapest Premium

Renewing your motor policy with the same insurer every year, or selecting the cheapest available, is the most common reason clients end up with inadequate cashless access, disputed IDV settlements and slow claim processing. We evaluate insurers on the criteria that matter at claims time.

We set the IDV at the accurate current market depreciated value, not the lowest defensible figure to reduce premium. Under-valued IDV means under-compensation if your vehicle is written off or stolen.

We recommend add-ons based on your specific situation: zero depreciation for cars under five years old, engine protection for vehicles in flood-prone cities, return-to-invoice for new vehicles in the first year.

We verify that the insurer's cashless workshop network includes your preferred service centre and authorised dealer before recommending them, network quality varies significantly between insurers in specific cities.

Who Needs This

Who Carries This Risk

If your situation matches those described below, this cover belongs in your financial plan.

New Vehicle Owners

New vehicles should be insured with zero depreciation and return-to-invoice add-ons from day one to maximise protection in the first three years when depreciation-adjusted settlements are most disadvantageous.

Vehicles in Renewal

Mid-life vehicles benefit from correct IDV setting, engine protection cover and a fresh comparison of cashless networks across insurers, most renewals are placed with the incumbent by default.

Two-Wheeler Owners

Two-wheelers carry disproportionately high accident frequency relative to cars. Comprehensive two-wheeler insurance with personal accident cover for the rider is essential, not discretionary.

Urban Residents in Flood-Risk Cities

Residents of Mumbai, Chennai, Hyderabad and other monsoon-vulnerable cities should specifically add engine protection cover, hydrostatic lock damage from attempting to start a flooded vehicle is otherwise excluded.

High-Value Vehicle Owners

Owners of premium and luxury vehicles benefit from agreed value policies or manufacturer-authorised cashless service centre arrangements that standard policies do not provide.

Multi-Vehicle Households

Families with more than one vehicle can often obtain multi-vehicle discounts when all vehicles are placed with a single insurer, a saving that most policyholders do not explore.

How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and priced.

IDV & Add-on Review

We determine the correct IDV for your vehicle and recommend the add-ons that are specifically relevant to your vehicle age, city and driving pattern, avoiding the premium padding that comes with generic recommendations.

Insurer Comparison

We compare motor insurers on cashless network strength in your city, claim settlement ratio and add-on pricing, and recommend the insurer whose overall proposition suits your specific situation.

Renewal Management & Claims Support

We proactively manage your renewal, including re-tendering where the incumbent insurer's terms have drifted above market. When a claim occurs, we provide end-to-end support through to settlement.

Key Benefits

Why Clients Place This Cover Through Us

Accurate IDV Setting

We set the IDV at the correct market depreciated value, not a rounded figure chosen to reduce premium. The IDV is what you receive if your vehicle is stolen or written off; accuracy here is non-negotiable.

Targeted Add-on Selection

We recommend only the add-ons that deliver genuine value for your specific vehicle and risk profile. Zero depreciation, engine protection and return-to-invoice each have a specific use case, we match the add-on to your situation.

Cashless Network Verification

We verify the insurer's cashless workshop network in your city before recommending them, not after you have purchased the policy and discovered your preferred garage is not included.

No-Claim Bonus Protection

We advise on the threshold below which raising a claim costs more in lost NCB than it recovers in repair reimbursement, protecting your discount accumulation for when it genuinely matters.

FAQ

Common Questions

Yes. Section 146 of the Motor Vehicles Act, 1988 makes third-party insurance compulsory for all motor vehicles used in a public place. Comprehensive (own damage plus third-party) insurance is not legally required but is strongly recommended for any vehicle with significant residual value. Vehicles under hire-purchase agreements are typically required by the financier to carry comprehensive cover.

Zero depreciation cover waives the standard age-based depreciation applied to replaced parts during a claim. Without it, plastic and rubber parts can attract up to 50% depreciation deduction on vehicles more than five years old, meaning the insurer pays only half the cost of replacing them. It is most valuable for vehicles under five years old and for owners who prefer authorised service centres where part replacement is the norm.

The Insured Declared Value is the manufacturer's listed selling price minus a depreciation percentage based on the vehicle's age. The IRDAI depreciation schedule sets the percentages. The IDV is the maximum amount payable for a total loss or theft claim, and should be set accurately, not artificially reduced to lower the premium.

The no-claim bonus is a discount on the own damage premium, accumulating at up to 50% after five consecutive claim-free years. It belongs to the policyholder, not the insurer, and can be transferred to a new insurer at renewal with an NCB retention letter from your existing insurer. We manage this transfer process as part of our renewal service.

Flood damage to the vehicle body and interiors is covered under the natural calamity section of the own damage cover. However, engine damage specifically caused by attempting to start a vehicle in a flooded state, hydrostatic lock, is excluded from the standard policy. This exposure is addressed by the engine protection add-on, which we recommend as standard for vehicles in flood-risk cities.