Third-party liability plus own-damage protection for a private car.
Often considered by
Private car owners wanting broader protection.
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Cover cars, two-wheelers and commercial vehicles.
6 plan types explained. This is an educational guide; the issued policy wording controls the actual cover.
Motor policies can meet the legally required third-party liability obligation and, where selected, protect the insured vehicle against listed accidental or theft losses.
Plan types
Choose a type to understand its purpose, usual structure and the wording you should check.
Third-party liability plus own-damage protection for a private car.
Often considered by
Private car owners wanting broader protection.
The statutory liability cover required for a car on public roads.
Often considered by
Car owners who need the mandatory minimum cover.
Own-damage cover used alongside a valid third-party policy.
Often considered by
Car owners who already hold a long-term or separate third-party policy.
Third-party liability plus own-damage protection for a bike or scooter.
Often considered by
Bike and scooter owners wanting broader protection.
The statutory liability cover required for a two-wheeler.
Often considered by
Two-wheeler owners who need the mandatory minimum cover.
Motor cover for taxis, trucks, buses and other commercial vehicles.
Often considered by
Businesses and owners operating commercial vehicles.
Before choosing
Check exactly which events are covered, the overall limit, sub-limits and deductibles.
Read what is not covered and when cover begins. Marketing summaries are not the contract.
Review claim notice rules, required evidence, cashless or reimbursement terms and grievance routes.
Keep the proposal form, benefit illustration where applicable, payment receipt and final policy schedule. Never rely only on a verbal promise.