Vehicle Insurance FAQs

Yes. Third-party insurance is compulsory for every vehicle under the Motor Vehicles Act, 1988.

Third-party cover pays for harm to others. Comprehensive cover includes third-party and also covers your own vehicle.

Click Get Free Quote, share your name and mobile number, and our team will call you with options.

Yes. The insurer may ask for an inspection, and you may lose your No Claim Bonus after a long gap. Renew as soon as possible.

IDV is the Insured Declared Value, the market value of your vehicle agreed with the insurer. It is the most you get for theft or total loss.

A discount on your own damage premium for each claim-free year, up to 50% after 5 years.

For newer and costly vehicles it often is, because it reduces the amount you pay out of pocket on a claim.

Usually the RC, previous policy copy, ID proof and driving licence.

Yes. Commercial vehicles need a commercial policy. We help with taxis, trucks, tempos, autos and fleets.

Yes. EVs are insured like other vehicles, and extra covers like battery cover may be offered.

You can face a fine of ₹2,000 and/or up to 3 months jail for a first offence, and more for repeat offences.

Inform the insurer quickly, take photos, inform the police if needed, and submit your documents. We can guide you through the steps.

Yes. At least third-party insurance is compulsory for every two-wheeler on the road in India.

New two-wheelers are usually sold with a long-term third-party cover of 5 years. Own damage cover is usually taken for 1 year at a time.

Yes. Keep your RC and old policy details ready. We can help you renew in a few minutes.

Insurers usually allow renewal within about 90 days to keep NCB. After that you may lose it. Check your policy and renew early.

It can be, mainly for newer bikes. It helps you get a higher claim amount on replaced parts. Check the insurer's limits.

No. Using a private car for hire needs a commercial passenger-carrying policy. A claim can be rejected otherwise.

Third-party liability and passenger cover depend on the policy. We explain the cover before you buy.

They need a policy that matches commercial use. Tell us how the car is used and we will guide you.

Yes. A fleet policy is possible and makes renewals easier.

Yes. Third-party insurance is compulsory for EVs just like other vehicles.

It depends on the policy and add-ons. Many EV owners choose a battery cover. Check the terms.

It depends on the vehicle and the plan. Premium is based on factors like IDV, model and add-ons.

Yes. E-scooters and e-bikes can be insured. Tell us your model and we will guide you.

It pays for damage to your own vehicle from events like accident, fire, theft and natural calamities, as per policy terms.

No. Only third-party cover is compulsory. Comprehensive is optional but gives much wider protection.

Yes. Add-ons like zero depreciation, engine protection and roadside help are common.

No. Normal wear and tear and breakdowns are not covered.

Your vehicle is uninsured. You can face a fine, and you must pay for any damage or third-party claim yourself.

Insurers usually allow about 90 days after expiry to keep NCB. Check your policy.

Yes. You can switch to a different insurer at renewal. Your NCB moves with you.

You repair at a network garage and the insurer pays the garage directly. You pay only for items not covered and your deductible.

You pay the garage first and then claim the money back from the insurer with bills and documents.

Usually claim form, RC, driving licence, policy copy, repair estimate and bills, photos and FIR where needed.

Common reasons are an expired policy, no valid licence, drunk driving, wrong use of the vehicle, wrong facts and late intimation.

Health insurance pays your hospital bills as per the policy. You pay a premium, and the insurer pays eligible costs when you are treated.

In a cashless claim, the insurer pays the network hospital directly, usually after pre-authorisation. In a reimbursement claim, you pay first and then claim the money back with bills.

A floater covers the whole family under one sum insured. Individual plans give each person their own cover. The right choice depends on your family's age and health.

It is the time after you buy the policy when some claims are not paid. The length differs for initial, specific-illness and pre-existing disease waiting periods, so check your policy wording.

You can usually move your policy at renewal under the portability rules. Apply early and check what benefits carry over.

Common reasons are waiting periods, hidden pre-existing conditions, excluded treatment, late intimation, missing documents and a lapsed policy.

It usually covers medical emergencies, trip cancellation, lost baggage, lost passport and flight delay. Terms differ, so check the policy.

Some countries ask for it. Check the embassy rules for your destination.

No. Plans exist for domestic trips too. The cover can differ, so read the policy.

Often they are not, or they have limits. Check the exclusions and ask before you buy.

Many plans exclude them unless you choose a plan or add-on that covers them. Check your policy wording.