Protect Your Vehicle Against All Odds

Driving in India can be unpredictable. Be it a minor dent, a major collision, theft, or a natural calamity, motor insurance is the financial shield that absorbs the impact.

Under the Motor Vehicles Act, Third-Party liability insurance is mandatory. However, a comprehensive policy with the right add-ons ensures complete peace of mind.

Private Car Insurance
Two-Wheeler Insurance
Commercial Vehicle Insurance

Understanding Motor Covers

Know what exactly goes into your policy.

1. Third-Party Liability (Mandatory)

Required by law. Plugs damages / injuries caused by your vehicle to another person or property. This does NOT cover damages to your own vehicle.

2. Comprehensive Cover

Includes Third-Party plus 'Own Damage'. Protects your vehicle from accidents, fire, theft, floods, and earthquakes.

Maximize Protection with Right Add-Ons

Standard comprehensive policies deduct depreciation value during claims. Add-ons close that gap.

Zero Depreciation

Get full claim amount without deduction for plastic/metal part depreciation. "Bumper-to-Bumper" cover.

Engine Protect

Vital during monsoons. Covers engine damage due to water ingression or oil leakage.

Roadside Assistance (RSA)

24/7 towing, battery jumpstarts, flat tyre repair, and emergency fuel delivery.

Consumables Cover

Covers cost of nuts, bolts, engine oil, coolants, and grease during repairs.

Return to Invoice

In case of total loss or theft, you receive the original invoice value (inclusive of taxes) instead of depreciated IDV.

Motor Insurance FAQs

Insured Declared Value (IDV) is the maximum claim amount an insurer will pay if your vehicle is completely wrecked or stolen. It signifies the current market value of the vehicle, which depreciates every passing year. Setting the right IDV is crucial.

High NCBs signify you've been a safe driver. You can easily safely transfer your accumulated No Claim Bonus (up to 50%) when you switch insurance providers using Rakshapoint. It belongs to you, not the vehicle.

Technically yes. Driving a vehicle with a lapsed policy is illegal and risky. It also risks resetting your NCB to 0% if not renewed within the stipulated grace period (typically 90 days, varying by insurer). Rakshapoint assists in quick renewals to prevent this.

Don't Let Your Motor Policy Lapse

Compare quotes from the top providers efficiently and lock an appropriate premium for your vehicle.

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Motor Insurance