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MOTOR INSURANCE

MOTOR INSURANCE

Motor insurance covers damage, theft, and liability, offering financial protection and peace of mind against unforeseen automotive incidents.
It provides financial protection against damages, theft, and liability related to your vehicle. It covers repairs, replacements, and third-party claims, ensuring you are safeguarded from the high costs of accidents and other unforeseen events involving your vehicle.
It protects against financial loss from accidents, theft, or damage. It covers repair costs, medical expenses, and third-party liabilities, ensuring you are safeguarded from unexpected automotive-related expenses and risks.

Features Of Motor Insurance

  • Third-Party Liability Coverage: Covers legal liabilities to third parties in case of injury, death, or property damage caused by the insured vehicle. This is typically mandatory in many countries.

     

  • Own Damage Coverage: Protects the policyholder’s vehicle against damages due to accidents, natural disasters (e.g., floods, earthquakes), or man-made events (e.g., riots, vandalism).

     

  • Personal Accident Cover: Provides compensation for injuries or death of the driver or passengers due to an accident involving the insured vehicle.

     

  • Add-On Covers: Offers optional benefits like zero depreciation cover, engine protection, roadside assistance, and more, allowing policyholders to customize their insurance according to their needs.

     

  • No Claim Bonus (NCB): A discount on the premium if no claims are made during the policy term, encouraging safe driving and careful vehicle usage.

     

  • Cashless Claim Facility: Enables policyholders to get their vehicle repaired at network garages without paying upfront, as the insurance company directly settles the bill.

     

  • Coverage Against Theft: Compensates for the loss of the vehicle if it is stolen and not recovered.

     

  • Legal Assistance: Provides legal support and covers legal expenses in case of disputes arising from an accident or other covered events.

Motor Insurance Companies

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Reliance@2x
Bajaj_Allianz@2x

Types Of Motor Insurance

  • Third-Party Liability Insurance: Covers damages to third parties, including injuries and property damage.
  • Comprehensive Insurance: Provides coverage for both third-party liabilities and damages to the insured vehicle.
    Commercial
  • Vehicle Insurance: Specifically designed for vehicles used for business purposes, covering both vehicle damages and third-party liabilities.
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