What is motor insurance?
Motor insurance protects your vehicle and covers mandatory third-party liability on Indian roads.
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Comprehensive, third-party, and zero-dep motor cover with cashless garages near you.
Ballpark estimate
Ballpark yearly premium for private vehicles.
₹18,628 – ₹26,471per year
Comprehensive incl. TP tariff; high side covers zero-dep + engine add-ons. 18% GST extra.
Indicative starting point only, not a quote. Real premiums begin here and go up with age, health, claim history, add-ons, location and insurer underwriting. Your final figure is confirmed only on a formal proposal.
Explore our content to get started on your Motor insurance journey.
Motor insurance protects your vehicle and covers mandatory third-party liability on Indian roads.
Learn moreVehicle age, IDV, city, claims history, add-ons, engine size, and policy type all influence pricing.
Learn moreZero depreciation, Return to Invoice, engine and tyre protection, and NCB protection can each matter depending on the vehicle.
Learn more
Covers own damage plus third-party liability, usually the strongest everyday option for private vehicles.
Mandatory cover for injury, death, or property damage caused to a third party by the insured vehicle.
Protects against damage to your own vehicle from accidents, theft, fire, natural events, and other covered risks.
Optional benefits: zero depreciation, Return to Invoice (RTI), engine protection, tyre cover, consumables, key replacement, roadside assistance, and NCB protection.
We have everything you need to help you get the right car insurance coverage for your needs.

"Every monsoon, workshops fill with cars that survived the water and were finished by what the owner did next. Here is where the cover ends."
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"Add-ons are where motor insurance stops being generic. Here is what each one actually does, and the exclusions that make some of them necessary."
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"Insured Declared Value looks like a premium lever. It is really the ceiling on your payout if the car is stolen or written off."
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"NCB can cut half your own-damage premium, survives the sale of your vehicle, and is lost more often through paperwork than through claims."
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