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• Motor Insurance FAQs on Cost, Premiums, Bonus, Discounts, Renewals

Know about motor insurance, its costs, premiums, bonuses, discounts and more.

• What if I forget to renew my auto insurance on time?

If a vehicle's auto insurance policy is not renewed, driving that vehicle is illegal. Also, if the vehicle has an accident, the insurance company will not pay out claims. All No Claims Bonuses will also be forfeited.

• Can I renew my auto insurance with another insurance company?

You can renew your auto insurance with another insurer, including the bonus accrued at your earlier insurer.

• What are the risks covered by the Third Party policy?

The risks covered by the Third Party policy include death or injury to a third party and damage to third party property. Liability in the case of death or injury is unlimited.

• What are the risks covered by the Comprehensive policy?

The Comprehensive auto insurance policy provides cover for damage caused to the vehicle due to man-made or natural calamities.

• What happens if a vehicle flees after injuring a third party and its license plate number was not legible?

Such hit and run accidents mean that no liability for insurance companies. The victim can be compensated by the Solatium Fund established by the Government.

• What if my vehicle has an additional CNG/LPG kit?

An additional CNG/LPG kit fitted in a vehicle needs to be insured separately. Read to find out more.

• Does the motor insurance policy automatically cover all my high-cost accessories such as music system, extra fittings, etc?

Accessories are not essential to the performance of the vehicle. Coverage for these accessories can be added separately in the insurance policy. This coverage is added over and above the IDV of the vehicle.

• What motor insurance covers vs. What it excludes

Motor insurance covers natural and man made calamities, such as lightning, floods, and so on, third party legal liability, and personal accidents. It doesn't cover normal wear and tear, depreciation etc,

• Can the insurance premium on my vehicle be reduced?

Insurance premiums can be reduced if you maintain a claims-free record. Insurers reward claims-free years with discounts on the succeeding year's premiums.

• Voluntary Deductibles and Compulsory Excesses

Voluntary deductible is the portion of a claim that the customer is willing to bear voluntarily.

• What is Malus?

Malus is the amount tagged on to your motor insurance premium because you are a riskier customer, based on your previous accidents and subsequent claims-history.

• How is the premium calculated on my vehicle?

The premium on a vehicle is calculated on the type of vehicle, its IDV, city of registration, period of coverage, and claims history.

• Voluntary Deductibles and Compulsory Excesses

Voluntary deductible is the portion of a claim that the customer is willing to bear voluntarily. Compulsory excess is the sum added to the customer's premium as a result of bad claims experience.

• Motor Insurance FAQs on Claims

If you are wondering whether you can claim insurance for your vehicle damaged in another city than where the policy was issued, get your answer right know. And, answers to many more questions.

• Should I purchase the Comprehensive Insurance policy or the Third Party Only policy?

It is better to go for the comprehensive insurance policy rather than the third party only policy.