Covers your car, two-wheeler, truck or EV against damage and theft, and covers what you owe someone else if you injure them or damage their property. Only the third-party part is legally required — the part that protects your own vehicle is optional, and the part people regret skipping.

Premiums and claim-settlement ratios are illustrative until sourced from the insurer of record.

Read this before you buy.

• Driving without a valid licence, or with an expired one
• Driving under the influence — the whole claim is void, not reduced
• Normal wear, tyre damage without accident, and mechanical breakdown
• Using a private car commercially, including as a taxi
• Consequential damage — driving a flooded car and seizing the engine

Motor claims are settled on a surveyor’s report, so the first hour matters more than the paperwork. Photograph everything before the vehicle moves.

1. 01

   Report before moving the vehicle

   · within 24 hrs

   Call the insurer or raise it here. Photograph all four corners, the number plate and the other vehicle. A moved vehicle weakens every later argument.

2. 02

   Surveyor inspects

   · same day

   The insurer appoints a surveyor at the garage or the accident site. Their report sets the amount, not the garage estimate.

3. 03

   Repair approved

   · 1–2 days

   At a network garage the insurer pays directly. Outside the network you pay and claim reimbursement, which takes longer and often settles lower.

4. 04

   Repair and delivery

   · 3–9 days

   You pay only the compulsory deductible and any depreciation, unless you bought zero-dep. Ask for the parts bill; depreciation is applied line by line.

5. 05

   Your bonus resets

   · at renewal

   One claim wipes out the No Claim Bonus you have built. On a small dent it is usually cheaper to pay yourself than to claim.