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Car insurance is the most common type of vehicle insurance. It offers protection for cars against damages due to accidents, theft, natural disasters and vandalism. It covers both your vehicle and any liabilities you may have towards others. 

Two-wheeler insurance, also known as bike insurance, is designed specifically for motorcycles, scooters and other two-wheeled vehicles. Similar to car insurance, it provides coverage for accidents, theft, third-party liability and damages to your own vehicle.

As per the Motor Vehicles Act of 1988, it is mandatory for all commercial vehicles to have insurance coverage in India. Without this insurance, you may have to pay fines and penalties.

Commercial vehicle insurance helps protect a business's assets in case of an accident or other unexpected event. This helps ensure the continuity of operations and minimises financial losses. This insurance can be a cost-effective solution as it can help mitigate the financial impact of an accident rather than having to bear the entire cost out of pocket.

This policy typically includes liability coverage, which can help cover the costs of any injuries or property damage caused by accident involving the insured vehicle. Apart from that, your policy can also provide personal accident coverage for the driver and owner of the vehicle.

1. Third Party Car Insurance Policy

As per the Motor Vehicles Act of 2019, it is mandatory to avail of a Third Party Cover. Without it, you will be driving your car unlawfully on the road which would result in a penalty and/or fine. This cover offers coverage against legal liability caused to a third party due to your car or vehicle. In simple terms, third-party insurance covers injury or death caused to a third person by your vehicle along with damage caused to a property. Here’s one interesting feature of the cover. As per the Motor Vehicles Act, the claimant is not obliged to prove negligence of the driver who was responsible for the accident. As the name suggests, Third Party Insurance only covers third-party liabilities. It does not cover damage to your vehicle or theft. Considering the nature of the cover, the premium is also low.

2. Own Damage Car Insurance Policy

An Own Damage car insurance policy​ helps you stay covered against the damages caused to your car due to accidents like fire, theft, etc. 

In case of an accident, an own damage cover compensates you for the expense to repair or replace parts of your car damaged in the accident. This policy covers the cost of damages to your car due to natural calamities like floods, earthquakes, fire, and more Man-made calamities like vandalism, riots, and terror attacks Damage to your car or the belongings in the car in case of an accident Theft or malicious acts.

3. Comprehensive Car Insurance Policy

​With comprehensive car insurance, you get the benefits of Third Party Liability coverage along with Own Damage coverage. As the name indicates, it offers in-depth, end-to-end protection for you and your car. The key feature of this insurance is that it covers theft of the car in addition to damage due to a number of reasons. If you have this cover and your car gets stolen, you can breathe easy knowing the fact that it will be covered. Comprehensive insurance covers a number of perils such as vandalism, fire damage, floods, damage due to natural calamities like tornados, wind storms etc, glass breakage (e.g. windshield), damage due to falling objects, and so on. You can also amplify your protection with add-on covers such as Personal Accident cover, Electrical Appliances cover, Zero Depreciation cover, and much more.