Third-party (mandatory)
Covers damage to the other party's vehicle, property and injury. Does NOT cover your own vehicle.
Range
Legally mandatory
General Insurance · Motor
Motor Insurance cashless, comprehensive, same-day.
Comprehensive, third-party and zero-depreciation cover for cars, two-wheelers and commercial vehicles — issued within minutes, with cashless repairs at 10,000+ garages nationwide.
10 min
Typical policy issuance
10,000+
Cashless garages
20+
Insurers compared
Plan features
Add-ons that matter more than the base premium.
The base policy is standardised by regulation — the add-ons are where real protection differs.
Zero-depreciation
Full part replacement cost, no depreciation deduction on rubber, plastic and glass components.
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Roadside assistance
24/7 towing, battery jump-start, fuel delivery and flat-tyre assistance anywhere in India.
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Return-to-invoice
Pays the original on-road price — not depreciated IDV — if your vehicle is stolen or a total loss.
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Engine protection
Covers engine damage from water ingression and oil leakage — excluded under standard comprehensive cover.
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Flexibility
Security
Long-term growth
Coverage details
Third-party vs comprehensive — know the difference.
Two very different levels of protection, often confused at renewal time.
Comprehensive
Third-party liability + own vehicle damage from accident, fire, flood, theft and calamities.
Range
Recommended
Zero-depreciation add-on
Full replacement cost without depreciation deduction on parts.
Range
+15-20% premium
Return-to-invoice (RTI)
Original on-road price paid on theft or total loss, not depreciated IDV.
Range
For vehicles < 3 yrs
Claim process
From accident to settlement.
We stay on the call from the first notification to final payout.
Simple processHassle-free claims
01
01
Inform & document
Call our claims desk immediately, file an FIR for theft/major accidents, and take photos of the damage.
02
02
Surveyor assessment
Insurer appoints a surveyor to assess damage; we coordinate scheduling and follow up on the report.
03
03
Cashless repair
Vehicle repaired at a network garage; the insurer settles directly with the garage for covered amounts.
04
04
Settlement
For total loss or theft claims, we track documentation and follow up until the final payout is credited.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
For vehicles under 5 years old, yes. Without it, insurers deduct up to 50% depreciation on rubber, plastic and glass parts during claim settlement. The add-on costs ₹2,000-6,000/year but saves ₹15,000-40,000 in a mid-size accident claim.
Insured Declared Value is the maximum sum insurable — effectively your vehicle's current market value. A lower IDV cuts your premium but also caps your theft/total-loss payout. We help you set a realistic IDV, not just the cheapest one.
Yes. NCB is attached to you, not the insurer or the vehicle. Carry your NCB certificate when switching insurers or buying a new vehicle to retain your discount.
Yes — flood, earthquake, cyclone and other natural calamities are covered under comprehensive own-damage cover, subject to policy terms.
A lapsed policy means no own-damage cover and possibly a required inspection before renewal. Third-party cover lapsing also makes driving illegal. We send renewal reminders 30 days in advance.
For most owners, yes — a single tow-truck call without cover can cost ₹1,500-4,000, while the add-on typically costs ₹250-500/year and includes battery, fuel and flat-tyre assistance too.
Clear answers. Better decisions.
Expert Guidance
Get your motor policy issued today.
Compare premiums across 20+ insurers and get same-day issuance with the right add-ons for your vehicle.
Disclaimer: Insurance is the subject matter of solicitation. Please read the policy wordings, including exclusions, carefully before purchasing. Premiums and IDV vary by insurer, vehicle age and location. Pingale Financial Services · IRDAI Corporate Broker License No. CB-XXXXXXX/XX/2024.