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Motor Insurance

If you own a vehicle, you will know that motor insurance is mandatory in India. The policy ensures that the vehicle has complete protection against physical damage from natural or artificial calamities and third-party liabilities arising from the insured vehicle.

Based on the type of vehicle they cover, Motor Insurance is broadly categorized into:

Car Insurance

Two-wheeler Insurance

Commercial Vehicle Insurance

The different types of Motor Insurance Policies available in the market under the ones mentioned above are as follows:

Third-party insurance Policy

Pays the financial liability to the third party affected in the mishap, ensuring you do not face legal hassle due to the accident.

Comprehensive Insurance Policy

Apart from covering third-party liabilities, these plans also cover the expenses incurred for repairing the damages to the policyholder’s vehicle due to an accident, fire, artificial and natural calamities, riots and other such instances.

Own Damage Policy

With Own Damage Cover, you receive the same benefits as a comprehensive policy without the third-party liability portion of the policy.

There are many add-ons covers that can be added to your motor insurance policy to ensure that you are covered against any eventuality. Some add-on covers you can avail of are – Zero depreciation cover, Loss of personal belongings cover, Pay-as-you-drive cover, Daily conveyance cover, etc.