Drive Confident. Claim Hassle-Free.

Third-party (TP) insurance is mandatory by law. It covers damage or injury you cause to a third party — but nothing for your own vehicle. Comprehensive insurance adds 'Own Damage' (OD) cover — repair or replacement of your own vehicle after accident, theft, fire, or natural calamity. We always recommend comprehensive for vehicles under 10 years old.

Standard policies deduct depreciation from the claim payout based on the age and type of damaged parts. Zero depreciation (also called bumper-to-bumper) waives this deduction — you get the full repair cost without any depreciation cut. For vehicles under 5 years old, zero depreciation is almost always worth the extra premium.

NCB is a discount on your OD premium for every claim-free year — starting at 20% after 1 year and going up to 50% after 5 consecutive claim-free years. NCB belongs to you, not the vehicle. When you sell your car and buy a new one, you can transfer your NCB to the new vehicle's policy — protecting years of careful driving.

Driving without a valid insurance is illegal under the Motor Vehicles Act and can result in a ₹2,000+ fine and vehicle impoundment. Additionally, if your policy lapses beyond 90 days, you lose your accumulated NCB — which can mean losing up to 50% discount on your future premium. We send renewal reminders 30 days before expiry.

Take your vehicle to a network garage. The garage contacts the insurer's surveyor, who assesses the damage. Approved repairs are done at no cost to you (subject to deductibles and exclusions). The garage bills the insurer directly. For non-network garages, you pay and file for reimbursement later — we assist with the paperwork.