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Motor Insurance

Even the safest drivers cannot control road conditions or the actions of others. That’s why Indian law requires every vehicle owner to have at least third-party motor insurance. Accidents can happen unexpectedly, and insurance ensures that financial responsibility for injuries or damages is properly covered.

Driving without valid motor insurance can lead to penalties, fines, or legal trouble. On the positive side, responsible drivers are rewarded with benefits like No Claim Bonus, which helps reduce premium costs over time.

Which Vehicles Can Be Covered and What Affects the Premium?

Motor insurance is available for a wide range of vehicles used for personal or commercial purposes. Whether you own a private vehicle or use one for business, suitable coverage options are available.

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Cars and SUVs

Insurance for personal cars used for daily and family travel.

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Two-wheelers

Coverage for bikes and scooters against accidents.

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Electric vehicles

Protection suited for modern electric mobility.

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Goods Transport Vehicles

Insurance for vehicles used to carry goods and materials.

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Passenger transport and farm vehicles

Coverage for taxis, passenger carriers, tractors, & agricultural vehicles.

How to Make a Motor Insurance Claim

Claiming motor insurance is a straightforward process when done step by step. Here’s how it usually works:

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