Two kinds of policy
Third party cover is compulsory by law for every vehicle on the road. It pays for damage you cause to other people and their property. It pays nothing for your own vehicle. Comprehensive adds that second half.
| What happens | Third party only | Comprehensive |
|---|---|---|
| You hit someone's car or injure a person | Covered | Covered |
| Your own car is damaged in an accident | Not covered | Covered, minus depreciation and deductible |
| Your vehicle is stolen | Not covered | Covered up to IDV |
| Flood, fire, storm, riots | Not covered | Covered |
| Owner-driver personal accident (₹15 lakh) | Compulsory, added separately | Compulsory, added separately |
| No claim bonus applies | No | Yes, on own-damage part |
| Premium | Fixed by the regulator, same at every insurer | Varies by insurer, IDV and add-ons |
New cars are sold with 1 year own-damage plus 3 years third party; new two-wheelers with 5 years third party. Driving without valid third party cover can attract a fine and other penalties. Rules as of 2026, check current rules.
IDV, the number that matters most
IDV is the showroom price of your model minus a fixed depreciation for age. The renewal page often lowers it quietly to show a smaller premium. A lower IDV saves a few hundred rupees and can cost you lakhs on a total loss.
You can ask for IDV within a band the insurer allows, usually a little above or below their figure. We set it close to what your vehicle would actually sell for, not the lowest number on the screen.
| Age of vehicle | Depreciation for IDV |
|---|---|
| Up to 6 months | 5% |
| 6 months to 1 year | 15% |
| 1 to 2 years | 20% |
| 2 to 3 years | 30% |
| 3 to 4 years | 40% |
| 4 to 5 years | 50% |
| Above 5 years | Agreed between you and the insurer |
Standard tariff schedule. Rules as of 2026, check current rules.
No claim bonus
The bonus belongs to you, not the vehicle. Sell the car and you can carry it to the next one with an NCB retention letter. Let the policy stay expired for more than 90 days and it drops to zero.
Before claiming a small dent, do the sum. If the repair is ₹6,000 and you have a 35% bonus on a ₹12,000 own-damage premium, you lose ₹4,200 next year and restart from zero. Often it is cheaper to pay the garage yourself.
Applies only to the own-damage part, never to the third party premium. Rules as of 2026, check current rules.
Add-ons
Add-ons sit on top of a comprehensive policy. Most people either buy none or tick every box. We look at the car's age, where you drive and park, and how you use it.
Without it, the insurer cuts 50% off plastic and rubber parts and up to 50% off metal parts by age. With it, the full part cost is paid, minus the deductible.
Worth it: cars up to about 5 years old, city driving with frequent small scrapes.
Damage from water getting into the engine, or oil leaking after the underside hits something, is treated as wear and not paid. This add-on covers it.
Worth it: low-lying parking, roads that flood every monsoon.
On theft or total loss, pays the original invoice value including road tax and registration, not just the depreciated IDV.
Worth it: the first 3 years of a new car.
Towing, flat tyre, battery jump-start and fuel delivery when the car stops on the road. Costs little and saves an awkward night.
Worth it: long highway drives, older batteries.
Pays for engine oil, coolant, nuts, bolts and washers used in a repair. Small items, but they add ₹2,000 to ₹5,000 to a big bill.
Worth it: pair it with zero depreciation.
Lets you make one claim in the year without losing your bonus. Most useful once your bonus reaches 35% or more.
Skip it: if you are still at 0% or 20%.
After an accident
Photos before anything moves. Both vehicles, number plates, the road, and any injuries.
Call the insurer's claim line and note the claim number. Message it to us too.
File a police report if anyone is hurt, the vehicle is stolen, or a third party is involved.
Take the car to a network garage for cashless repair. Do not start repairs before the surveyor sees it.
Keep the papers handy: RC, driving licence, policy copy, and the repair estimate.
We follow up with the insurer if the surveyor is late or the approved amount looks low.
Renewal reminders
An expired policy means a fresh inspection, no cover in the meantime, and after 90 days, a lost bonus. Share your policy once and we track it.
WhatsApp reminder with your current IDV, bonus and add-ons listed.
Two or three renewal options compared on the same IDV and add-ons, so the premiums actually match up.
Final nudge if it is still pending. You pay the insurer directly.
We check the new policy PDF: name, vehicle number, IDV and bonus carried over correctly.
Motor renewal check
Tell us the vehicle and when the policy ends. We reply on WhatsApp with what your current policy covers, where the IDV stands, and two or three options to compare.
It covers the law and damage to others, which is the bigger financial risk. For a car worth under ₹1.5 lakh that you could replace or repair from savings, third party plus a personal accident cover is often reasonable. If the car is your only transport and a ₹50,000 repair would hurt, keep comprehensive.
Only up to the vehicle's real market value. A higher IDV raises the own-damage premium, and on a partial claim the payout is based on repair cost, not IDV. IDV matters mainly for theft and total loss.
No. The bonus moves with you. The new insurer checks your previous policy, and you sign a declaration that you made no claim. Renew before expiry, or within 90 days of it, to keep it.
A fixed amount you pay on every own-damage claim. For private cars it is usually ₹1,000 up to 1,500 cc and ₹2,000 above that. You can choose a voluntary deductible on top for a smaller premium. Rules as of 2026, check current rules.
Do not drive the vehicle until it is renewed. A lapsed comprehensive policy usually needs a fresh inspection before own-damage cover starts again. Message us the old policy and we will line up the renewal and inspection.
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