Everyday cover for vehicles, travel and the home.
Motor insurance covers vehicles against damage and third-party liability. Third-party cover is compulsory under the Motor Vehicles Act; comprehensive cover adds own-damage protection. Personal lines extend to travel insurance for trips abroad, home insurance for structure and contents, and personal accident cover for individuals.
Third-party motor cover is a legal requirement, which is why most people buy it without comparing. The difference between policies emerges at claim — in how own-damage is settled, which add-ons apply, and how depreciation is treated on parts replacement.
The most common gap in motor cover is the absence of relevant add-ons. Zero depreciation cover materially changes claim settlement on newer vehicles. Engine protection matters in flood-prone cities. Neither is included as standard, and both are frequently declined to reduce premium by a small margin.
Each placed across our insurer panel and structured around your actual exposure rather than a standard template.
If your operations fall into any of these, this category is likely relevant to your risk profile.
Yes, under the Motor Vehicles Act. Driving without it is a punishable offence.
Own-damage cover for your own vehicle from accident, theft, fire and natural calamity, alongside the compulsory third-party element.
An add-on removing depreciation deduction on replaced parts, so claims settle closer to full replacement cost. Most relevant on vehicles under five years old.
A discount accumulated for claim-free years, reaching up to fifty percent. It attaches to the owner rather than the vehicle and transfers on change of vehicle.
Yes. Tenants insure contents and their own improvements; the landlord insures the structure.
For several destinations including the Schengen area, yes. It is also advisable regardless, given medical costs abroad.