🚗 Motor Insurance Guide: Drive with Peace of Mind

Motor insurance isn’t just mandatory—it’s your shield on the road. It protects you financially from accidents, theft, or third-party liabilities. But policies differ, and knowing the right one helps you avoid surprises.

👉 Key Things to Check Before Buying Motor Insurance

✅ Third-Party vs Comprehensive

• Third-Party: Covers damage to others only (mandatory by law).

• Comprehensive: Covers your vehicle + third-party + theft + natural disasters. Best choice for complete protection.
  
  

✅ IDV (Insured Declared Value)
The maximum amount your insurer pays if your vehicle is stolen or totaled. Always opt for the correct IDV—not too low (less claim), not too high (higher premium).

✅ Add-On Covers
Enhance protection with add-ons like:

• Zero Depreciation Cover (full claim without depreciation cut)

• Engine Protection

• Roadside Assistance

• Return to Invoice (claim equal to invoice value of car)
  
  

✅ Cashless Garages Network
Check how many garages are tied up with your insurer for cashless repair facility.

✅ No Claim Bonus (NCB)
Get discounts (up to 50%) for every claim-free year. Don’t lose NCB while switching insurers.

✅ Claim Process & Support
Choose insurers with fast claim settlement and 24×7 support for smooth service.

👉 Quick Checklist Before Buying Motor Insurance

• ✔️ Comprehensive plan with right IDV

• ✔️ Zero-depreciation add-on included

• ✔️ Wide network of cashless garages

• ✔️ No Claim Bonus protection

• ✔️ 24×7 claim support & assistance

⚡ Pro Tip: Cheap premium may cut important covers. Always balance premium with protection.