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Motor Insurance

What is Third Party Risk Policy?

A third party risk policy is a mandatory insurance policy that covers the vehicle owners against risks as per Section 146 of Motor Vehicles Act 1988. The scope of the cover of the third party insurance

What is NCB? Under what circumstances is NCB applicable and how does it benefit the vehicle owner?

NCB is the short form of No Claim Bonus; it is rewarded to the owner of the vehicle who is also the policy holder for No Claim / Claims

Can I transfer existing No Claim bonus on sale of my old car to my new car?

No Claim Bonus is allowed to the Insured and not to the insured car. Hence, on sale of the car, the insurance policy can be transferred to the

What is the meaning of deductibles? What is the deductible amount applicable to Private Car and Two-wheeler?

Deductible means the amount that you will bear in case of a claim. This amount is deducted from the claim amount. Car Insurance Policy carries

Should I make small claims?

It is ideally not advisable to make small claims. First most reason being 'deductible' or 'excess'. An excess is the portion of any claim amount

When should I renew the insurance for my vehicle ?

It is strongly recommended to renew your insurance before expiry of the existing insurance. This keeps your vehicle insured against the risks

What if my previous policy has already expired?

If, the policy has already expired, a fresh insurance can be obtained. Since a break in insurance has occurred, the vehicle will be

Can I transfer my insurance to the purchaser of my vehicle?

Yes, the insurance can be transferred to the buyer of the vehicle, provided the seller gives in writing to the insurance company. A fresh proposal

Is it ok if the insurance continues in the name of the previous owner whereas the vehicle is transferred in RTO records in my name?

Never commit this mistake. Remember, registration and insurance of the vehicle should

What if my vehicle has CNG/LPG kit installed?

If your vehicle has or you are installing CNG/LPG kit in your vehicle or if there is any other change in the structure/usage of the vehicle, it should be

What are the factors affecting the premium amount?

The premium payable for your vehicle depends on the below factors:

What is cashless claim and Non-cashless / Reimbursement claim?

Cashless claim: Under this facility the repair charges of the vehicle are directly paid to the garage by the insurer, provided the vehicle is repaired in their respective garage network.

How do I add/ delete the Hypothecation in my Car policy

1. For Addition of Hypothecation: Letter from the bank / Endorsed RC copy has to be submitted.

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