Trusted IRDAI-Certified
Insurance Partner
Motor insurance helps your business cover vehicle damage, accidents, and third-party liabilities—reducing downtime and keeping your operations moving.
What’s Covered
A motor insurance policy protects vehicle owners against financial loss arising from accidents, theft, fire, and third-party liability claims. While third-party cover is mandatory in India, a comprehensive motor insurance policy also covers your own damage to your vehicle.
Covers repair or replacement costs if your vehicle is damaged due to accidents, fire, natural calamities, or vandalism. Coverage applies up to the insured declared value, subject to deductibles and policy terms.
Covers legal liability for injury, death, or property damage caused to a third party. This component is mandatory under Indian law and is included in every motor insurance policy.
Provides compensation in case of accidental death or disability of the owner-driver while driving the insured vehicle, as per regulatory requirements and policy limits.
Covers financial loss if the insured vehicle is stolen or declared a total loss due to severe damage, based on the insured declared value.
A comprehensive motor insurance policy may include add-ons such as zero depreciation, engine protection, roadside assistance, and return-to-invoice cover for enhanced protection.
Guidance during claim filing, documentation, survey coordination, and settlement to ensure smoother processing and faster repair or reimbursement.
Reduces unexpected repair and replacement expenses after accidents or theft.
Ensures mandatory third-party liability requirements under Indian law are met.
Enables vehicle repairs at network garages without upfront payment, subject to approval.
Rewards claim-free years with premium discounts or enhanced coverage benefits.
Allows customization with options like zero depreciation and engine protection.
Guidance during claim intimation, survey, and settlement stages.
How to Buy
Choosing the right motor insurance policy involves assessing vehicle usage, insured declared value, and coverage needs. Disha Capital Insurance Brokers helps compare motor insurance plans in India and helps you lock in the best plan. We also review comprehensive and third-party cover, and select suitable add-ons for your vehicle’s better protection.
Coverage Comparison Support
Transparent Premium Guidance
Claims Assistance Support
Identify vehicle age, usage type, insured declared value, and required coverage level.
Review comprehensive cover, third-party liability, add-ons, exclusions, and premium structure.
Provide registration details, IDV, prior claims history, and owner information
Complete premium payment, receive policy documents, and activate coverage.
Faq’s
A motor insurance policy covers financial loss arising from accidents, theft, fire, natural calamities, and third-party liability. A comprehensive motor insurance policy includes both own damage protection and mandatory third-party cover.
Yes. Third-party motor insurance is mandatory under the Motor Vehicles Act in India. It covers legal liability for injury, death, or property damage caused to a third party.
A comprehensive motor insurance policy covers own vehicle damage along with third-party liability. It may also include optional add-ons such as zero depreciation, engine protection, and roadside assistance.
Motor insurance premium depends on the vehicle’s age, make, model, insured declared value (IDV), location, claim history, and selected add-ons. Premiums vary between comprehensive and third-party plans.
Yes, you can buy motor insurance online by providing vehicle registration details, selecting coverage, and completing digital payment. Accurate disclosure of prior claims is important to avoid issues later.
IDV represents the current market value of the vehicle and determines the maximum payout in case of total loss or theft. It directly affects the motor insurance premium.
Insurers typically require the policy copy, registration certificate, driving licence, FIR (if applicable), repair estimates, and claim form. Additional documents may be requested during assessment.
Yes. A comprehensive motor insurance policy can be customized with add-ons such as zero depreciation, engine protection, roadside assistance, and return-to-invoice cover. Coverage can be adjusted based on vehicle age, usage, and risk exposure.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
+918796708683
