Motor insurance
Whether insuring a new car or renewing an existing policy, understanding the difference between statutory liability and protection for your own vehicle is essential.
Explore the service
We help clients review policy structure, IDV, deductibles, no-claim bonus, garage access and optional covers in the context of the vehicle and its use.
Policy dates, registration details, previous claims and no-claim bonus should be checked carefully at purchase and renewal.
Important considerations
This addresses covered legal liability towards third parties and is mandatory under applicable Indian motor law.
Important considerations
This generally combines third-party liability and own-damage cover for specified events, subject to terms and exclusions.
Important considerations
This add-on can reduce depreciation deductions on eligible replaced parts, subject to limits, vehicle age and claim conditions.
Important considerations
Roadside assistance and engine-protection add-ons differ by provider; breakdown causes, water ingress and exclusions should be read closely.
Important considerations
Notify the insurer promptly, avoid unauthorised repairs before survey where required, and retain relevant documents and photographs.
Important considerations
Policy benefits depend on the final policy wording. Add-ons do not cover every event and claims remain subject to insurer assessment.
Planning checklist
Continue with related information or speak directly with an Alliance consultant.
Common questions
We help clients review policy structure, IDV, deductibles, no-claim bonus, garage access and optional covers in the context of the vehicle and its use.
Policy benefits depend on the final policy wording. Add-ons do not cover every event and claims remain subject to insurer assessment.
Share your requirements and an Alliance consultant can explain the relevant next steps.
