Motor Insurance

Cover for your car and two-wheeler

Buy or renew in minutes, and claim without the runaround. We explain the add-ons that matter — and skip the ones that don't — so you only pay for cover you'll actually use.

Minutes
to buy or renew
Cashless
garage network
Zero-dep
add-on advice
What you get

Cover that actually works for you

Own-damage + third-party

Comprehensive cover protects your own vehicle and your legal liability to others in one policy.

Cashless garages

Get repairs done at network garages where the insurer settles the bill directly with the workshop.

Zero-depreciation add-on

Claim the full cost of replaced parts without depreciation cuts — we tell you when it's worth it.

Roadside assistance

Breakdown, flat tyre or a dead battery — add 24x7 help so you're never stranded.

Protect your no-claim bonus

Years of safe driving earn a discount. We help you keep it, even with a small claim, using NCB protection.

Fast, guided claims

We walk you through the surveyor, documents and approvals so your claim moves quickly.

Types of plans

Find the right fit

Not sure which one suits you? That's exactly what our free call is for.

Third-party

The legal minimum — covers injury or damage you cause to others, not your own vehicle.

Best for

Tight budgets / old vehicles

Comprehensive

Third-party cover plus damage to your own vehicle from accidents, theft, fire and disasters.

Best for

Most owners

Standalone own-damage

Covers only your own vehicle — pair it with an existing third-party policy.

Best for

Flexible renewals

Comprehensive + add-ons

Strengthen cover with zero-dep, engine protection, roadside assistance and more.

Best for

New & premium vehicles

Buyer's checklist

What to check before you buy motor cover

  • Insured Declared Value (IDV) set close to your vehicle's real market value
  • Which add-ons genuinely help for your vehicle's age and use
  • Cashless garage network in your city
  • Claim settlement and turnaround record of the insurer
  • No-claim bonus you've earned and how to carry it forward
  • Exclusions like consumables, tyres and engine damage from water
How Insubees helps
1

Advice with zero spam

Talk to IRDAI-certified advisors who get paid to help you — not to push a product. No call-centre scripts, no endless follow-ups.

2

We handle the paperwork

From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.

3

Claims support for life

When you need to claim, our team helps you file, follow up and get paid — for as long as you hold the policy.

Talk to an advisor
Questions, answered

Motor Insurance FAQs

It's the legal minimum, but it won't pay for damage to your own vehicle. For most owners a comprehensive policy is worth the small extra cost — we'll show you the difference.

Insured Declared Value is the maximum your insurer will pay if your vehicle is stolen or written off. Set it too low to save premium and you're underinsured; we help you pick the right number.

For new and premium cars, usually yes — it avoids depreciation cuts on part replacements at claim time. For older vehicles it often isn't. We advise based on your specific vehicle.

Yes. The no-claim bonus belongs to you, not the policy. We help you transfer it so you don't lose the discount when you change insurers.

Usually the same day, though a lapsed policy may need a quick inspection. Message us and we'll sort the renewal and any inspection for you.

Get motor insurance advice you can trust

Book a free, no-obligation call. We'll help you choose the right cover — and nothing you don't need.