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Calculate your motor insurance premium instantly for Car and Bike. Adjust IDV, NCB, zone, and add-ons to get an accurate estimate.
Includes own damage + third party. Disable for third-party only.
Full claim without depreciation deduction
Covers engine damage due to water ingress
24x7 towing, battery jump-start, etc.
Own Damage
₹7,500
Third Party
₹3,500
NCB Discount
₹1,500
Total Premium
₹9,500
Ensures you get the full claim amount without deduction for depreciation on parts like plastic, rubber, and fiber.
Covers repair costs for engine damage due to water ingress, oil leakage, or hydrostatic lock — essential for monsoon-prone areas.
24x7 support for towing, battery jump-start, flat tyre change, fuel delivery, and minor repairs anywhere in India.
Maintain NCB
Avoid small claims to preserve your No Claim Bonus. A 50% NCB can save you thousands annually.
Compare Online
Online policies are often 20-30% cheaper. Use aggregator sites to compare features, not just price.
Avoid Over-insuring
Set IDV close to market value. Over-insuring increases premium without extra benefit.
Motor insurance is a mandatory requirement under the Motor Vehicles Act, 1988 in India. It provides financial protection against physical damage, theft, and third-party liability arising from traffic collisions and other incidents involving your vehicle.
There are two main types: Third-Party Liability (mandatory by law) and Comprehensive Cover (includes own damage + third-party). Comprehensive insurance is highly recommended as it covers repairs to your own vehicle as well.
Calculated as a percentage of the Insured Declared Value (IDV). The rate depends on vehicle type, age, zone, and cubic capacity. Older vehicles attract lower IDV and hence lower OD premium.
Fixed by IRDAI based on engine capacity (cc) for cars and two-wheelers. This is mandatory and does not change between insurers. TP covers injury/death/property damage to third parties.
Discount on OD premium for every claim-free year. Starts at 20% and can go up to 50% after 5 consecutive claim-free years. NCB is transferable when you switch insurers or vehicles.
Zero Depreciation, Engine Protect, Roadside Assistance, Consumables Cover, Key Replacement, and Return to Invoice are popular add-ons that enhance coverage at a small extra cost.
Legally yes, but financially risky. Third-party only covers damage to others. Your own vehicle repair costs after an accident can run into lakhs. Comprehensive cover is strongly recommended, especially for new vehicles.
IDV is the manufacturer's listed selling price minus depreciation based on vehicle age. For vehicles older than 5 years, IDV is mutually agreed between insurer and owner.
Yes. You can transfer NCB to a new vehicle of the same class (e.g., car to car). Obtain an NCB retention letter from your previous insurer within 90 days of policy expiry.
Your policy lapses. For comprehensive covers, you lose NCB if not renewed within 90 days. Driving without valid insurance is illegal and attracts fines up to ₹4,000.