Motor insurance
Motor insurance helps meet statutory third-party requirements and, depending on the policy, may protect the insured vehicle against covered damage or loss.
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The right policy structure depends on the vehicle, its age, usage, insured declared value, coverage needs and selected add-ons—not premium alone.
Third-party cover is mandatory for vehicles used on public roads in India and responds to covered third-party liabilities under applicable law and policy terms.
Important considerations
A package policy generally combines third-party liability with own-damage protection for covered events, subject to exclusions and deductibles.
Important considerations
Standalone own-damage cover may be paired with an eligible third-party policy. Confirm policy dates and coverage before renewal.
Important considerations
Insured Declared Value is relevant to total-loss and theft claims. A lower IDV can reduce premium but may also reduce the claim ceiling in these situations.
Important considerations
Zero depreciation, roadside assistance, engine protection and other add-ons have conditions, limits and eligibility requirements.
Important considerations
Renew before expiry, disclose vehicle details accurately and follow claim-intimation and survey requirements after an incident.
Important considerations
Coverage is subject to the insurer’s policy wording, exclusions, deductibles, inspection and underwriting. Claim decisions are made by the insurer.
Planning checklist
Continue with related information or speak directly with an Alliance consultant.
Common questions
The right policy structure depends on the vehicle, its age, usage, insured declared value, coverage needs and selected add-ons—not premium alone.
Coverage is subject to the insurer’s policy wording, exclusions, deductibles, inspection and underwriting. Claim decisions are made by the insurer.
Share your requirements and an Alliance consultant can explain the relevant next steps.
