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Motor Insurance Plans
Overview
Overview
Motor insurance provides financial protection in case of damage, theft, accident, or third-party legal liability. Whether you own a car or a two-wheeler, having the right insurance ensures safety, compliance with law, and peace of mind while driving.
Types of Motor Insurance
Types of Motor Insurance
Third-Party Liability Insurance
Mandatory as per law in India. Covers:
Legal expenses
Third-party injuries or damage
Comprehensive Motor Insurance
Offers all protections including own vehicle damage.
Includes:
Theft
Fire
Flood
Accident damage
Third-party cover
Zero Depreciation Policy
A powerful add-on where the insurer pays full claim without considering depreciation.
Best for:
New vehicles
Premium/family cars
Own Damage (OD) Cover
Only covers damage to your own vehicle (no third-party).
Useful for:
Renewals where third-party already exists
Key Benefits
Key Benefits
✔ Covers repair and damage costs
✔ Protection from accident, fire, theft, and vandalism
✔ Third-party legal cover (mandatory by law)
✔ Cashless repairs in network garages
✔ No Claim Bonus (NCB) discounts on premiums
✔ Optional add-ons like Zero Deprecation, NCB protection, Roadside Assistance
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