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
What is motor insurance?
Mandatory protection for a depreciating, high-liability asset.
Motor insurance covers your vehicle and third-party liability arising from accidents, theft, fire and natural calamities. Third-party cover is mandatory by law; comprehensive cover additionally protects your own vehicle.
Third-party liability (mandatory)
Legally required cover for injury, death or property damage caused to a third party — driving without it is a punishable offence.
Own-damage protection
Comprehensive cover pays for repair or replacement of your vehicle after accident, fire, theft or natural calamity.
Personal accident cover
A mandatory PA cover of ₹15L for the owner-driver is bundled into every motor policy by regulation.
No-claim bonus
Claim-free years earn a discount of up to 50% on own-damage premium at renewal — protect it with an NCB rider.
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.
Roadside assistance
24/7 towing, battery jump-start, fuel delivery and flat-tyre assistance anywhere in India.
Return-to-invoice
Pays the original on-road price — not depreciated IDV — if your vehicle is stolen or a total loss.
Engine protection
Covers engine damage from water ingression and oil leakage — excluded under standard comprehensive cover.
Coverage details
Third-party vs comprehensive — know the difference.
Two very different levels of protection, often confused at renewal time.
Third-party (mandatory)
Covers damage to the other party's vehicle, property and injury. Does NOT cover your own vehicle.
Comprehensive
Third-party liability + own vehicle damage from accident, fire, flood, theft and calamities.
Zero-depreciation add-on
Full replacement cost without depreciation deduction on parts.
Return-to-invoice (RTI)
Original on-road price paid on theft or total loss, not depreciated IDV.
Claim process
From accident to settlement.
We stay on the call from the first notification to final payout.
Inform & document
Call our claims desk immediately, file an FIR for theft/major accidents, and take photos of the damage.
Surveyor assessment
Insurer appoints a surveyor to assess damage; we coordinate scheduling and follow up on the report.
Cashless repair
Vehicle repaired at a network garage; the insurer settles directly with the garage for covered amounts.
Settlement
For total loss or theft claims, we track documentation and follow up until the final payout is credited.
Frequently asked
Common questions, honestly answered.
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.