Overview
Motor insurance protects your vehicle against accidents, theft and damage, and covers your legal liability to third parties. Third-party cover is required by law for every vehicle on the road.
What is usually covered
- Accidental damage to your own vehicle (comprehensive plans)
- Theft and fire
- Natural calamities such as flood and earthquake
- Third-party injury, death and property damage
- Personal accident cover for the owner-driver
What is usually not covered
- Normal wear and tear
- Driving without a valid licence or under the influence
- Mechanical or electrical breakdown
- Consequential loss after an accident
Who needs it
- Every owner of a car, two-wheeler or commercial vehicle
- Owners renewing an expired or expiring policy
- Buyers of a new or used vehicle
Frequently asked questions
What is the difference between comprehensive and third-party cover?
Third-party cover only pays for damage you cause to others. Comprehensive cover also protects your own vehicle.
What is NCB?
No Claim Bonus is a discount on your own-damage premium for every claim-free year. It stays with you even if you change insurer.
Exact cover, exclusions and limits vary by insurer and plan. Always read the policy wording before buying.