Motor insurance guides

The few elements that are excluded while covering a vehicle under motor insurance are as follows:

Normal wear and tear, depreciation, mechanical and electrical breakdown, failures and breakages.
Normal damage to tyres and tubes.
Driving under the influence of liquor or drugs at the time of accident.
Driving without a valid driving license.

In case third-party motor insurance claims, you would be rquiring following documents:

Claim form
Police FIR copy
Photocopy of Driving license
Policy copy
Photocopy of RC of your vehicle

In case of theft, you would be requiring following documents:

Claim form
Photocopy of RC of your vehicle alongwith original keys
Policy copy
FIR original and RTO transfer papers and Original Court Certified Untrace Report
Original invoice of the vehicle
Indemnity bond
Intimation to RTO

In case of accident, the following documents are required:

Claim form
Photocopy of RC of your vehicle
Photocopy of Driving License
Policy copy
FIR, if asked for
Original estimate
Original repair invoice and payment receipt

Once the application is accepted, the condition of your vehicle will be inspected by the insurance officer and the terms and conditions will be decided in accordance with the wear and tear and the extent of usage of your vehicle.

You can apply for insurance to any insurer of your choice. You will be able to carry forward your ‘No Claim Bonus’, i.e., the discount for no claims in the past.

In case of an accident, you will have to note the number of vehicle and make a record of witnesses before getting in touch with your insurer.
In case, your insurer has a cashless garage network, you can avail this facility and the amounts will be settled directly by insurer.
In case, your garage lies outside the [...]

You can apply for the renewal of your motor insurance policy online. Once the application is accepted, an officer from the insurer would inspect your vehicle and then decide the terms and conditions of renewal.  In case, your policy has not expired yet and you want to renew it with the same insurer, the entire [...]

There are two ways of buying a motor insurance. First, you can buy it from your car dealer at the time of the purchase of vehicle. In this case, you will not have any choices and the terms and conditions may also not be very clearly put across you. The other way is to buy [...]

Motor insurance can be broadly categorized into the following:

Liability only policy, wherein you will be compensated for liability of the third party. Third party cover is mandatory under the Motor Vehicles Act.
Package policy, wherein loss or damage to the vehicle insured as well as third party liability is covered.
Both third party and the package policy [...]