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Motor Insurance

Motor insurance or vehicle insurance covers various vehicle types, including cars, two-wheelers, trucks, autorickshaws, and electric vehicles (EVs). It safeguards you against third-party liabilities arising from an accident involving your insured vehicle.

Moreover, a motor insurance policy provides financial coverage for damages to your own vehicle from accidents, natural disasters, theft, and fire. In India, you should have at least third-party motor insurance to drive legally in public spaces. Read more

Car Insurance Plans^#1

Features of Motor Insurance

A vehicle insurance policy offers following features that can be beneficial for the policyholder:

You can purchase motor insurance online on Policybazaar.com in a hassle-free manner from the comfort of your home. Simply choose the plan for yourself after comparing quotes from the right motor insurance companies.
You can add or remove add-ons in your vehicle insurance policy as per your requirement. Add-ons are optional covers that you can purchase to enhance the coverage of your comprehensive motor insurance policy.
Motor vehicle insurance not only covers damages from an accident but also theft, natural calamity, fire, vandalism, and manmade disasters.
You can also raise a cashless claim against your motor insurance. Under this, you can get your vehicle repaired in a network garage without paying out of your pocket.
Motor insurance also has a No Claim Bonus (NCB) feature. It is the discount on your premium you get from your insurer if you don't make any claims during the policy year.

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Claims Support, even on holidays

Get assigned a dedicated manager

Types of Motor Insurance

Motor insurance can be broadly classified into the following coverage types:

Car Insurance

A car insurance policy offers coverage against damages to your own car from accidents, fire, natural calamities and other unforeseen events. It also covers third party (TP) liabilities caused in an accident involving the insured car. While choosing car insurance, you should always compare policy premiums offered by various insurers to get the best deal.

The premium amount would majorly depend on the car's make & value, the state of registration, and its manufacturing year.

Bike Insurance

Two wheeler insurance or bike insurance provides financial and legal protection to bikes and scooters. It covers two-wheelers against own damages such as accidents, fire, theft, etc. Additionally, it includes any accidental loss caused to the third-person or property.

Similar to car insurance, a two-wheeler policy's premium depends on the bike's age, make & model, registration year, etc.

Electric Car Insurance

Electric car insurance is a type of motor insurance policy that protects the electric vehicle owner from any damages due to unforeseen incidents. Like with other four-wheeler policies, a third-party EV insurance policy is mandatory as per the Indian motor laws.

However, a comprehensive EV insurance policy offers more wider protection.

Commercial Vehicle Insurance

A commercial vehicle insurance policy helps all commercial vehicle drivers reduce expenses they might incur from accidental damages to their vehicles.

It covers all commercial vehicles, such as goods-carrying vehicles, trucks, auto-rickshaws etc., from unforeseen damages like theft, fire, collisions, and third-party damages.

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Types of Vehicle Insurance Policy in India

The main three types of motor vehicle insurance policies offered in India include:

Third-Party Car Insurance

Third party liability only insurance coverage is a mandatory vehicle insurance policy under the Indian Motor Vehicles Act, 1988.

It covers third person injuries or death in case of an accident involving the insured vehicle. However, third party insurance doesn't provide any direct benefit to the policyholder's vehicle.

Standalone OD Cover

Standalone own damage (OD) insurance protects the insured vehicle against any own damages arising out of unforeseen incidents like accidents, theft, fire, etc.

You can opt for this policy with your existing third-party insurance to cover damages to your own vehicle.

Comprehensive Insurance Cover

Comprehensive insurance comprises both own damage and third-party coverage. It protects vehicle owners against financial losses from accidental damages or theft of the insured vehicle.

Besides, it also covers third-party liabilities, including injuries, death, and property damages. Comprehensive motor vehicle insurance provides wider coverage and also carries a higher premium.

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Coverages Under Motor Insurance

What is Covered in Policy

Third-party Liabilities

Covers third-party liabilities, including third-party death, disability and property damages.

Accidents or Collisions

Covers damages from road accidents, collisions or any external means.

Vehicle Theft

Coverage for any partial or total loss to the insured vehicle from theft or burglary up to its IDV (Insured Declared Value).

Natural or Man-Made Acts

Damages from earthquakes, cyclones, typhoons, hurricanes, riots, strikes, terrorist activities, etc.

Fire

Covers damages or losses from fire, self-ignition, or explosion.

Animal Attacks

Motor insurance also covers damages sustained by the insured vehicle from animal attacks.

In-transit Damages

Damages to the insured vehicle while it was in transit via road, water, rail, or air.

What is Not Covered in Policy

Vehicle Depreciation

Motor insurance doesn't cover the usual wear and tear of the insured four-wheeler and its parts.

Drunk Driving

Accidental damages when driving under the influence of alcohol or drugs.

Outside Geographical Area

Damages occurred if driven outside the areas as mentioned in the policy terms & conditions.

Invalid Driving License

Any damages when driving without a valid licence.

Mechanical Failure

Motor insurance does not cover damages due to mechanical or electrical faults.

Illegal Driving

Any loss or damages sustained by the insured vehicle if driven in a race or for unlawful purposes.

Damage due to War

Damages to the insured vehicle in war-related events, invasion, or military operations.

Difference Between Third Party, Comprehensive and OD Vehicle Insurance

Here is the table highlighting the key differences between third party, own damage, and comprehensive motor insurance policies:

Third-Party Insurance

Comprehensive Insurance

Own Damage Insurance

TP property cover

TP death

OD cover

Premium

As per IRDAI

Less than Comprehensive

Higher

Fire cover

Theft cover

Add-ons

PA cover

Insure now

Why Should You Buy Vehicle Insurance?

Do you know that around 4 Lakh people meet with road accidents every month? A survey by the World Health Organization found that India had the highest number of road deaths globally in 2012. Considering this and the poor road conditions, motor insurance became mandatory by law to drive legally on Indian roads.

A motor insurance policy protects you from financial risks, unforeseen damages, and legal liabilities that may arise from third party damages. Driving without a vehicle insurance policy can lead to heavy penalties and even imprisonment for up to 3 months.

A few private insurers offer a large number of benefits under motor insurance to the policyholders. These include:

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

While purchasing a motor insurance policy, it is important to consider the following pointers:

Coverage

While purchasing motor insurance, check if that particular insurance plan is providing you with the coverage you require.

Add-on

If you are not satisfied with the kind of coverage your desired comprehensive insurance plan is providing then you can always consider purchasing an add-on as provided by your insurer.

Personal accident cover

Make sure that the motor insurance you are planning to purchase comes with the personal accident cover.

Network garages

Check if your desired insurance provider has a good network of vehicle repair garages.

Claim process

Before you buy a motor insurance policy, ask your insurance company about the claim process. Also, check the claim settlement ratio (CSR) of the insurer. It will tell you about the reliability and trustworthiness of the insurer. The higher the CSR, the higher the likelihood of your insurer paying out claims efficiently and quickly.

Terms & conditions

Make sure that you read the terms and conditions properly before signing any documents.

Zero depreciation cover

As soon as the car comes out of the showroom, its price drops down to almost half the amount you have bought it for. To maintain the monetary value of your vehicle, it is suggested that you opt for the zero depreciation add-on to get the best coverage amount after the depreciation.

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Factors That Affect Vehicle Insurance Premiums

When determining the motor insurance premium, insurance companies consider the following factors:

Makes & Model

The premium of your motor 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 motor vehicle.

Fuel

The fuel type whether it is a petrol/diesel engine or an electric motor 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 Covers

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.

Online Purchase

For a hassle-free experience and lower premium rates, it is suggested to purchase vehicle insurance online as you can compare different plans and purchase the one that suits your requirement as well as your budget.

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 Policybazaar.com. Here is how to do it:

Visit the 'Motor Insurance' page on the official website
Enter your vehicle number on the given form
Select your vehicle details such as make, model, RTO, variant and fuel type
Fill in the registration form and proceed
From the given vehicle insurance quotes, choose the one that suits your requirements
Select additional covers that you wish to include in your plan
Make premium payment online via any of the given payment methods
Once you have made the payment, your motor insurance policy will be issued instantly.

Explore add-ons for your car insurance

Zero Depreciation Car Insurance

Compulsory Personal Accident Cover

Bumper to Bumper Insurance

NCB Protector Add-On Cover

Bundled Policy

Roadside Assistance Cover

Return to Invoice (RTI) in Car Insurance

Engine Protection Cover

Benefits of Buying Motor Insurance Online

Buying motor insurance online has its own advantages. They are as follows:

You do not have to pay the fees to any insurance agent as you are doing it yourself.
You get to choose from multiple add-ons available on the website.
You can add as well as remove any particular add-on as per your requirement.
You do not have to visit the insurer's office to get the motor insurance plan.
It saves a lot of your time as you have the option of doing it on your personal computer by visiting the website or on the mobile application of the insurer.
When you buy motor insurance online then you get the option of making the payment online through secure gateways.
The insurer will instantly issue the updated motor insurance plan to your email ID as soon as you make the payment.

Documents Required to Buy/Renew Motor Insurance Online

There is no paperwork involved when you buy or renew motor insurance online from Policybazaar.com. However, you only need the following details:

Vehicle's Registration Certificate

Vehicle owner name, make/model/variant, engine no., chassis no., engine’s CC, fuel type.

Previous Motor Policy

NCB, insurer's name, policy number, Add-on info

KYC

Identification & Address Proofs (Pan Card/Aadhar/DL/Voter ID/Form 16/Passport)

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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 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.

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Why Buy Motor Insurance Online From Policybazaar Insurance Brokers Private Limited?

When you buy motor insurance online from Policybazaar.com, you can compare different insurance quotes in one place. Here are some other advantages of purchasing motor insurance from us:

24*7 Claim Assistance

A policyholder can get claim assistance any time of the day through our dedicated claim assistance team available round the clock.

Cashless Assurance

The cashless assurance facility allows you to avail cashless claim settlement without having to pay anything from your pocket.

3 Days Repair Facility

Policybazaar also offers a 3-day repair facility in the network garage of the respective insurance company.

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.

Self-Video Claims

With the help of self-video claims offered by Policybazaar, a policyholder can make and upload the video of car damages on the PB Claims App and get his/her claim settled in 24 hours.

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?

Raising a motor insurance claim involves some formalities and documentation, which depend upon the type of vehicle and nature of the loss.

Here are different ways to file a motor insurance claim for your vehicle:

Own Damage Claim
Third-Party Claim

Inform the insurance company immediately after the accident.
Provide a detailed estimate of the damage to the insurer along with claim documents.
A surveyor is then appointed to inspect the damaged vehicle.
The insurer will review the survey report.
Upon approval from the insurer, take the insured vehicle to a network garage for repairs.
The insurance company will settle the claim directly with the garage.

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File an FIR with the police immediately after the incident and keep a copy with you.
Gather the third-party motor insurance details of the vehicle owner.
Obtain a copy of the police charge sheet filed against the vehicle owner.
Hire a motor claims lawyer and file the compensation case in MACT (Motor Accident Claims Tribunal).
If the vehicle owner suggests an out-of-court settlement, decide the settlement amount mutually.
In case of damage to your property, file the claim in the local tribunal court.
The court decides or rejects the compensation after verifying the documents and hearing the story from both parties(you and the other vehicle owner).
The maximum compensation amount in case of property damage is Rs. 7.5 Lakhs.

*Though an out-of-court settlement is legally allowed, it is best to involve legal authorities in case of an accident for proper resolution.

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Documents Required to File a Motor Insurance Claim

For a successful processing of your motor insurance claim, you need to provide the following documents to your insurance provider:

Duly signed & filled claim Form
Copy of your insured vehicle's RC
Driving license of the owner-driver
Final repair bill
Copy of the Police FIR (if applicable)
Fitness Certificate (in case of a commercial vehicle)
Medical Certificate (in case of an injury)
Death Certificate (in the event of fatality)

FAQs About Motor Insurance

General

Buy/Renew Policy

Policy Coverage & Premium

Claims

Q1. Which vehicle insurance plan should I purchase- comprehensive insurance plan or third-party insurance plan only?

Ans: Having a third party 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.
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 IRDA. 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 Policybazaar.com so that you get the best quote.
Q3. 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.
Q4. 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.
Q5. What is the process for getting the changes done in the policy?

Ans: In case there are any changes that need to be made in the policy such as address change or any particular changes regarding the automobile or its usage, it could be done by an endorsement by the motor insurance provider. You need to submit a letter to your insurance provider along with the proof of the changes so you can obtain the endorsement. There are a few endorsements that might charge an extra premium from you.
Q6. If I lose my motor insurance policy, would I get a duplicate copy?

Ans: Yes. You have to approach the office of your motor insurance provider from where you have purchased your policy and submit a request in writing. A nominal fee would be charged for the issue of a duplicate policy. If you have purchased motor insurance online, you can also download a duplicate copy of your policy from the insurer's website or from Policybazaar.com.
Q7. Can I get my motor insurance transferred to the buyer of my automobile?

Ans: Yes, Motor insurance is transferable to the purchaser of the automobile. All you have to do is inform in writing about the transfer to its insurance provider. The original owner of the car/ two wheeler needs to fill out a new proposal form. A nominal fee is charged for the insurance transfer along with the recovery of No Claim Bonus from the transfer date till the policy expires on a pro-rata basis. Keep in mind that ownership transfer in comprehensive insurance plans has to be updated within 14 days from the date of transfer. If the original buyer fails to do so, no claim would be payable regarding the Own Damage.
Q8. What happens to my motor insurance if I sell my vehicle?

Ans: If you sell your two wheeler, four wheeler or commercial vehicle, you need to transfer the existing motor insurance policy to the new buyer. The buyer should apply for the insurance transfer within 14 days of vehicle sale. You can also transfer your policy to another vehicle of yours and then the buyer would have to purchase a new policy for the sold vehicle.

Q1. If I am driving my car in a specific city, how would the premium rate would be applied?

Ans: For the sole purpose of applying the motor insurance premium rate, the specific location where the automobile is registered is considered. Don't confuse the place of registration with the place where the automobile is used. For instance, if your automobile is registered in Chennai, the applicable charges for Zone A would be charged. Even if you shift to another town or city, the same charges would be applied. Likewise, if an automobile is registered in a town, Zone B premium charges are applicable. Later on, in case the vehicle moves to a metro city, he would be charged the rate of Zone B only.
Q2. 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.
Q3. 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%.
Q4. In case I fit LPG or CNG kit in my automobile, is it necessary to update the insurance provider about that?

Ans: If an LPG or CNG kit is installed in your automobile, you must inform the Road Transport Authority's office, from where the automobile was registered so that they can modify the necessary changes in the registration certificate of the automobile. The motor insurance provider should be informed as well so that it can provide the coverage to the kit on the payment of additional premium as per the kit's value under the Own Damage Section.
Q5. What do you mean by electronic/ electrical accessories in cars?

Ans: Electronic or electrical accessories include those electronic/ electric items fitted in your car that were not provided by the vehicle manufacturer at the time of purchase. For example, if you added an LCD screen in your car after buying it, it will be considered as an electronic/ electric accessory. These accessories are covered only if the vehicle owner opts for its coverage while buying the motor insurance policy. They can be insured at an additional premium of 4% on the kit value of such accessories.
Q6. Who can get personal accident cover in case of cars?
Ans: You can buy personal accident covers for the following people under your motor insurance policy:
- Owner-driver
- Passengers (both named and unnamed occupants)
- Paid driver

Q1. 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.
Q2. Is it possible for me to cancel my motor insurance claim?

Ans: Yes, you can cancel your motor insurance claim by contacting your insurance provider by calling on their customer care number or by sending an email requesting them to cancel your claim.
Q3. 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.
Q4. 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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Motor Insurance Reviews & Ratings

4.6 / 5 (Based on 610 Reviews)

(Showing Newest 10 reviews)

Raman

Nagpur, June 11, 2022

★★★★★

Impressive cover

In just 2000 per year I have got this impressive coverage that I dont think I would have found anywhere. Really love this site policybazaar.

Manjeet

Nanded, June 10, 2022

★★★★★

Consumable parts cover

As I tke frequent tripsout of town in my car. I added the consumabel cover in my insurance as it covers the oil, petrol, spare parts etc that might with use.

Vishal

Pune, June 09, 2022

★★★★★

Reapired without any cost

I once broke my car's backlights while reversing. Fortunately, I had acquired insurance via PolicyBazaar, and I was able to have them fixed without incurring any costs.

Jiteder

Solapur, June 08, 2022

★★★★★

Convenience of my home

I've had insurance for a year and have recently renewed my policy. I was able to renew my coverage from the convenience of my own home.

Mohit

Saharnpur, June 07, 2022

★★★★★

Additional features

Damage to other people's or their property is covered under my third-party motor insurance policy. I've also included a few additional features that are within my financial constraints. Everything went well with Policybazaar, and they were there for me every step of the way.

Kaneeka

Bhopal, June 06, 2022

★★★★★

Great plans

In terms of car insurance, I have a number of benefits, including cashless repairs and driver coverage. In the case of an accident, it would give cashless repair for my insured automobile as well as cashless care for myself. Thank you to Policybazaar for giving me such a great idea.

Avneet

Gurugram, June 05, 2022

★★★★★

Benefits

I was able to move from one plan to another with ease using PolicyBazaar. I was looking for a different plan that would better suit my needs. I was able to receive it without having to give up any of my current benefits. Everything is under the control of PolicyBazaar.

Jitener

Lucknow, June 04, 2022

★★★★★

Much needed cover

I bought a disposable cover for my four-wheeler. Policybazaar.com was where I got it. It includes information on oil, replacement components, lubrication, and gas, among other things. Given how much time I spend behind the wheel, it was a much-needed cover.

Suhesh

Jhansi, June 03, 2022

★★★★★

Roadside assitance for petrol

I'd burned through all of my petrol. I called customer support at policybazaar, who told me on how to get roadside assistance. I had obtained insurance in before, so I didn't have to pay anything because the policy covered everything.

Hariom

Aligarh, June 02, 2022

★★★★★

Definetly recommended

This time, I took extra precautions to ensure that my car's engine was protected. I got it via PolicyBazaar, which is where I always acquire my insurance. This is an excellent website that I definitely recommend.

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Motor Insurance

Features of Motor Insurance

Policybazaar Exclusive Benefits

Types of Motor Insurance

Car Insurance

Bike Insurance

Electric Car Insurance

Commercial Vehicle Insurance

Types of Vehicle Insurance Policy in India

Third-Party Car Insurance

Standalone OD Cover

Comprehensive Insurance Cover

Coverages Under Motor Insurance

Difference Between Third Party, Comprehensive and OD Vehicle Insurance

Why Should You Buy Vehicle Insurance?

Things to Consider While Buying Motor Insurance Online

Factors That Affect Vehicle Insurance Premiums

How to Buy Motor Insurance Online?

Explore add-ons for your car insurance

Benefits of Buying Motor Insurance Online

Documents Required to Buy/Renew Motor Insurance Online

Motor Vehicle Rules Updation by IRDAI

Why Buy Motor Insurance Online From Policybazaar Insurance Brokers Private Limited?

24*7 Claim Assistance

Cashless Assurance

3 Days Repair Facility

Free Pickup and Drop

Self-Video Claims

Windshield Claims at Home

How to File a Motor Insurance Claim?

Documents Required to File a Motor Insurance Claim

FAQs About Motor Insurance

Q1. Which vehicle insurance plan should I purchase- comprehensive insurance plan or third-party insurance plan only?

Q2. How is the motor insurance premium calculated?

Q3. What is the period of the motor insurance policy?

Q4. What is a deductible in a motor insurance policy?

Q5. What is the process for getting the changes done in the policy?

Q6. If I lose my motor insurance policy, would I get a duplicate copy?

Q7. Can I get my motor insurance transferred to the buyer of my automobile?

Q8. What happens to my motor insurance if I sell my vehicle?

Q1. What happens if I don't buy motor insurance for my vehicle?

Q2. Is buying a motor insurance policy easy?

Q3. Is it beneficial to buy a motor insurance policy online?

Q4. Can I renew my motor insurance online?

Q5. When is pre-policy vehicle inspection carried out?

Q1. If I am driving my car in a specific city, how would the premium rate would be applied?

Q2. Is there any kind of discounts that would help reduce my policy premium?

Q3. Is service tax applicable on the motor insurance premium?

Q4. In case I fit LPG or CNG kit in my automobile, is it necessary to update the insurance provider about that?

Q5. What do you mean by electronic/ electrical accessories in cars?

Q6. Who can get personal accident cover in case of cars?

Q1. What should I do in case of an accident?

Q2. Is it possible for me to cancel my motor insurance claim?

Q3. What is No Claim Bonus in motor Insurance?

Q4. In case I change my motor insurance provider, would my No Claim Bonus be migrated?

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