Car and bike insurance guides covering third-party liability, comprehensive plans, NCB and renewal tips.
Motor insurance is mandatory in India: at a minimum, third-party liability cover is required by law to drive legally. A comprehensive policy goes further and also covers damage to your own vehicle from accidents, theft, fire and natural events.
When comparing, look at the Insured Declared Value (the amount payable if the vehicle is a total loss), the available add-ons such as zero-depreciation, engine protection and roadside assistance, the claim and garage-network experience, and the No-Claim Bonus you earn for claim-free years. Renew before expiry to keep your bonus and avoid a break in cover, which can mean a fresh inspection and lost benefits.
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