Motor Insurance

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Type of Vehicles protected under Motor Insurance

Policychayan Services 01
Car Insurance

360 protection to your and third party's car in accidental damage.

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Policychayan Services 02
Two-wheeler Insurance

Overall coverage to your and third party's bike in case of an accident.

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Policychayan Services 03
Commercial Vehicle Insurance

Coverage for commercial vehicle and their drivers from an accident.

Types of Motor Insurance in India

There are primarily three kinds of Motor insurance coverage available in India:

  • The Third-Party Insurance Plan -3rd party policy is compulsory in India. It covers the 3rd person and their vehicle and you and your vehicle in the loss. It also gives reimbursement for 3rd party's injury property damage and death. Although the policy does not provide any direct benefits to the insured.
  • Standalone OD (own damage) Plan -The plan protects the insured vehicle from damage caused by a sudden accident theft fire etc. You can buy this plan if you only have a third-party cover and you want to cover your own vehicle as well.
  • Comprehensive insurance cover -The plan includes third-party coverage also and tends to protect the owner of cars bikes scooters and trucks from financial happening. Although comprehensive insurance cover provides an expanded range of benefits but with high premium rates. This plan offers wider coverage

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Type of Vehicles protected under Motor Insurance
Type of Vehicles protected under Motor Insurance
Below are the damages or loss covered under motor insurance::
  • Loss & damages due to terrorist activities, riots, and strikes are covered.
  • Loss & damages due to fire or self- ignition.
  • Damages due to theft.
  • Claims raised for damages sustained by the in-transit vehicle are covered.
  • Damages due to natural calamities.E.g., earthquakes, hurricanes, cyclones, etc.
Below are the damages or loss not covered under motor insurance::
  • Damages incurred when the driver was under the influence of drugs will not be covered under the motor insurance policy.
  • If the vehicle is used for illegal activities or the purpose stated apart from that of T&C will not be covered under the policy.
  • If the vehicle was not licensed at the time of the accident.
  • Loss or damages sustained outside the specified location will not be covered under the policy.
  • Depreciation carried by the vehicle will also not be covered.

Compare from Leading Issuers in India.

Features and Benefits of a Motor Insurance Plan

Listed below are some key features and benefits of the motor insurance policy.

  • 01Protects your vehicle from all kinds of loss and damage.
  • 02Provides facility to the third party’s damage also.
  • 03Enjoy the rider/add-ons benefit by paying a little extra premium.
  • 04Motor insurance is mandatory as per the motor vehicle act 1988.
  • 05Provides personal insurance coverage to the policyholder and the vehicle.
  • 06Get cashless claims + reimbursement claims in motor insurance policy.
  • 07Repair your vehicle at 100+ networked garages.


360° coverage

Provides overall coverage for the loss or damage incurred by the vehicle.


Cashless claims

You get a cashless hospitalization and treatment in case of an accident.


Third-party coverage

Covers loss or damage incurred by the 3rd party in case of an accident.


Add-on/riders benefit

You can avail riders by paying some extra money to enhance your policy.

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Frequently Asked Questions

A motor insurance policy is a kind of insurance policy that provides financial coverage to your and a third party’s vehicle in case of accident damage due to theft fire natural calamities or human activities.

In case of an accident click the pictures of your vehicle and the third party’s vehicle for evidence inform your motor insurance provider to file an FIR to the nearest police station submit the required documents to your motor insurance company and get your vehicle repaired.

The period for the motor insurance policy is generally 12 months and has to be renewed before the due date of the policy. However it is mandatory by the law that the third-party policy tenure will be of three years. Nevertheless if did not claim during the policy tenure you will get a No Claim Bonus (NCB).

Having motor insurance or at least a third party motor vehicle insurance is mandatory in India according to The Motor Vehicle Act 1988. If you get caught driving an uninsured vehicle you will be penalized.

Yes, motor insurance companies do cover the loss and damage due to theft fire natural calamities and human activities.

To purchase the best motor insurance policy online go to the motor insurance policy page of Policychayan enter the required details click on get quotes compare and select any one plan that best suits you and pays its premium online via UPI/ net banking credit or debit card and enjoy the benefits of your motor insurance policy.