Motor insurance is compulsory for all two-wheeler and four-wheeler vehicles such as cars, bikes, scooters, and trucks plying on the roads in India. Vehicle buyers can avail of motor insurance also for commercial vehicles. Motor Vehicle insurance is the essential document for all vehicle owners/drivers.
Aside from the own damage cover, the auto insurance policy also provides coverage of third-party liabilities emerging from any accidental damage, injury or death of a third party. This way, the approach secures peace of mind and security on the roads.
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Types of Motor insurance
- Car Insurance
- Two-Wheeler Insurance
- Commercial Vehicle Insurance
Car Insurance
Car Insurance provides coverage against unexpected loss or damages to own car or a third party. While choosing a car insurance policy, a person should forever compare the premium offered by various insurers to guarantee that he got the most beneficial deal.
- Caseless claims
- Personal accident cover
- Loss/damage protection
- Unlimited liability for third person injuries and death claims
Two- Wheeler Insurance
Two-Wheeler Insurance protects bikes and scooters. It includes a two-wheeler vehicle against any individual damages and any accidental damage caused to third person property or person. Like car insurance, the premium of a two-wheeler policy depends on the age of the bike, its make & model registration year.
- Comprehensive coverage
- 2/3 years of own damage motor insurance
- No claim bonus protection
- Inflation protection
Commercial Vehicle Insurance
Commercial vehicle insurance supports all commercial vehicle drivers to reduce losses they incur due to damage to their vehicle. Here, commercial cars include those not used for personal goals, like goods carrying vehicles, trucks & more.
- Unlimited liability coverage for injury and death claims
- Personal accident cover
- Offers loss and damage protection
- Indemnity for others property
How to use a vehicle insurance calculator?
Most leading companies use a standard motor insurance calculator to plan the number of premiums for the collected coverage. Though different companies follow different criteria, we held the calculations honest and easy to understand. You can utilise our online calculator by giving us some critical information about your needs.
- Step-1: Name of the vehicle manufacturer
- Step-2: Car model
- Step-3: Registration state of the car
- Step-4: Manufacture year
- Step-5: Car Owner details
As an applied car, the vehicle insurance calculator demands slightly changeable information given below:
- Type of car and ammunition used
- Past car motor insurance plan details
- Registration Number
- Change of Ownership documents (if applicable)
- Records of Claims
General Insurance | Two Wheeler Insurance | Private Car Insurance
Documents required to buy vehicle insurance online
The documents required to avail of motor insurance online are given below. Let’s checkout
- Proof of Identity (Passport/Driving License/Aadhaar/PAN Card/Government Issued Photo ID)
- Verification of Address via Passport/DL/Bank or Post Office Passbook/Govt Issued Photo ID
- Recent Passport size photo
- Driving License
- Vehicle Registration Certificate
What is Included in motor insurance?
- Riot & strike
- Fire & burglary
- Terrorism act
- Earthquake
- Landslide
- Flood, storm, cyclone
Best of Luck…