Prime Policy Experts
Reliable Motor Insurance for Cars & Bikes
Compare affordable third-party and comprehensive motor insurance plans. Add-ons, zero depreciation, roadside assistance and fast claim support — all in one place.
Types of Motor Insurance
Understand the main policy types so you can pick the one that fits your needs and budget.
Third-Party Liability
Mandated by law — covers damage or injury caused to third parties. It does NOT cover your vehicle’s damage.
Comprehensive Cover
Includes third-party liability plus own-damage cover for accidents, theft, fire, and natural disasters. Optional add-ons available.
Standalone Own-Damage
For vehicles financed by lending institutions or when you want separate own-damage protection.
Why Choose Motor Insurance
Fast Claim Support
Hassle-free claim assistance and cashless network garages.
Affordable Premiums
Compare multiple insurers to get the best price for the same coverage.
Custom Add-Ons
Zero depreciation, engine protection, roadside assistance, and more.
Flexible Voluntary Deductible
Lower premiums with higher voluntary deductibles (choose what suits you).
How To File a Claim
Follow simple steps to get quick assistance during an accident or breakdown.
Intimate Insurer
Call the insurer or use the app/portal to notify the claim immediately.
Document & Survey
Submit FIR (if required), photos and documents. Surveyor inspects the vehicle.
Repair
Use cashless network garage or get reimbursement after repair.
Settlement
Insurer settles the approved amount per the policy terms.
Popular Add-Ons
Zero Depreciation
Full part replacement cost without depreciation deduction (best for new cars).
Roadside Assistance
24x7 help for breakdowns, towing, and on-spot minor repairs.
Engine & Gearbox Protection
Covers mechanical failures due to oil leakage or water ingression (check T&C).
Return to Invoice
Pays invoice value in case of total loss/vehicle theft (helps with loan balance).
Frequently Asked Questions
Is motor insurance mandatory?
Yes — at minimum, third-party liability cover is mandatory in most jurisdictions. Comprehensive is optional but recommended.
How is the premium calculated?
Premium depends on vehicle IDV, engine capacity, age of vehicle, location, NCB, and add-ons selected.
What is NCB (No Claim Bonus)?
NCB is a discount on premium for claim-free years. It increases each claim-free year and is transferable between insurers.