We recognizes the importance of your vehicle and offers motor Insurance policies that take care of your vehicles in case of any unforeseen event. We do all motor vehicle policies like Private Car Insurance Policy, Two-Wheeler Insurance policy & Commercial Vehicles Insurance Policies.

Coverages in Motor Insurance: A Motor Insurance covers the below perils:


  • Accident
  • Fire
  • Lightning
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and/or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone
  • Inundation
  • Transit by Rail, Road, Air &Elevato

Generally Motor Insurance policies are of two types:


A) Third Party Insurance Policy – It covers legal liability for

  • Third Party Property Damage
  • Third Party bodily injury or death
  • Passengers
  • Personal Accidental Insurance of Owner
  • Paid Driver
  • Conductor or coolie (in case of commercial vehicles)

B) Package (Comprehensive) Policy – It covers for

  • Third Party Insurance
  • Own Damage Cover – It pays you for damage to your vehicle due to an accident or theft or any the other peril as mentioned above in motor insurance coverage

Taking a motor insurance is compulsory under Motor Vehicle Act. Under motor vehicle act minimum of third-party insurance is mandatory for any vehicle to ply on public place


Add onCovers in Motor Insurance


Now A days in motor insurance many add on covers are sold and bundled by most of insurance companies. Thus, below are most commonly taken add on covers in motor insurance policies

  • Zero Depreciation Cover
  • Consumables Cover
  • Engine Cover / Engine Protector
  • Key cover
  • Tyres cover
  • Return to Invoice
  • Road Side Assistance
  • Loss of Personal Belongings
  • Emergency Transportation & Hotel stay


Motor Vehicle are classified in three broad categories

  • 1) Private Cars
  • 2) Two Wheelers
  • 3) Commercial Vehicles – commercial vehicles are further classified into:
  • i) Goods Carrying Vehicles (GCV)
  • Public Carriers
  • Private Carriers
  • ii) Goods Carrying 3 Wheelers
  • iii) Passenger Carrying Vehicles ( 4 or more wheeled vehicles)
  • iv) Passenger Carrying Three Wheelers
  • v) Miscellaneous & Special Type of Vehicles (Mis-D class)
  • vi) Road Transit Risk Only
  • vii) Motor Trade (Road Risk) Only